BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015, I received a notice that from the mortgage companyNationstar, that they erroneously calculated the impound account formore than 12 months. The error resulted in a negative balance, whichwould require us to pay in full or make additional payments over time. 
The amount was XXXX. Since XXXX I have made the additionalpayments, plus sending additional money to bring down the shortage. 
I have made every payment, plus sent additional funds of {$900.00} toapply to the shortage. Since XXXX they continue to make errors inposting the payments, and I was called on a regular basis by theircollection department, telling me I was missing a payment. I spokewith XXXX supervisors and several line phone people trying to tell themthe payments were there. In addition they charge me interest, whichI was told by XXXX supervisor would be reversed, but that never happenWe are trying to refinance, and due to these ongoing errors, they arereporting two months late payments on my credit, even though I haveactually paid more that what was due. 
I want them to remove the late payments from my credit, as well ascredit my account for all the fees they have charged me. Also, theyneed to post the additional XXXX to the escrow account as I indicatedwhen sending the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refinanced condo about 5 years ago and they have change banks XXXX times and now with Nationstar. They are trying to force me to go with direct payment by mailing their bill to me late so they can charge me a late fee. I have contacted them by phone about this on XXXX different occasions and received it in a timely manner this month ( XXXX XXXX ) but they failed to remove late fees as agreed. Please try calling them at customer service XXXX and you will understand why I am sick of dealing with Nationstar! My credit rating is over XXXX!

Company response to consumer: Closed
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan is currently serviced by Nationstar Mortgage. This letter is in regards to excessive fees that I feel I am being charged on my loan. I tried to make contact with Nationstar Mortgage numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Nationstar Mortgage advised me to contact their law firm XXXX, XXXX XXXX XXXX, XXXX. That law firm advised that they can not talk to a represented client, so, Nationstar Mortgage advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. 

On XXXX XXXX, 2015 a request was made to XXXX, XXXX XXXX XXXX, XXXX. for updated Reinstatement & Payoff figures on my loan. 

On XXXX XXXX, 2015 I received a copy of the Reinstatement & Payoff quote from XXXX, XXXX XXXX XXXX, LLP. After reviewing the payoff quote provided by XXXX, XXXX XXXX XXXX, XXXX, there are numerous fees that I feel are excessive and no explanation is given in regards to the fees. The lender paid expenses are unexplained and excessive, the pending escrow expense is unexplained and the payoff quote includes non-adjudicated attorney 's fees. Examples are listed below for your review. 

Property Inspections $ XXXXProperty Preservation $ XXXXEscrow Advances $ XXXXPrior Service Fees and Costs ( Paid by Servicer ) $ XXXX Firm FC Fees ( Paid by Servicer ) $ XXXX Firm Recording Costs ( Paid by Servicer ) $ XXXX Firm Publication Costs ( Paid by Servicer ) $ XXXX Costs $ XXXX Trace $ XXXX Attorney Fees $ XXXX Fee - Civil Litigation $ XXXX loan number is XXXX state of Florida XXXX XXXX of XXXX XXXX case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage is not Honoring an Agreement that they ( Shellpoint ) made up & signed in Federal Court ... .. 

Shellpoint Mortgage is still adding Fraud to my Account, something they said, in writing, that they would stop doing .... 

Please Help Me ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
( See attachments and supporting documents ) Equifax, XXXX, XXXX shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing 2 filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was sold to Nation Star Mortgage servicing by XXXX XXXX XXXX ( XXXX ) After the mandated settlement with th US XXXX, Bank XXXX sold my loan. I have no chance of negotiating with XXXX XXXX XXXX - directly. XXXX purposely removed itself of responsibility once it settled because - the settlement did not require that XXXX keep the troubled mortgages -- THIS IS CALLED A LOOPHOLE. all the while hopeful homeowners were waiting for stipulations from the multi milllion dollar, XXXX sold our loans.Therefore once again finding a loophole to beat the system and not pay money back of help the consumerI have been trying to negotiate a reasonable mortgage payment since 2009.I have never accomplised the goel. 
XXXX bought my loan from XXXX in 2009. Realistically XXXX will never negotiate my mortgage because Bank XXXX XXXX in New York is true owner of my loan and multiple investors. Instead XXXX continues to lie year after year. 
This information is sent to XXXX credit reporting agencies and my credit score is very, very low. You see, I stopped paying the mortgage about 4 years ago because fo financial hardship. The payment that XXXX offered me as more than I was paying before I stopped paying them. 

Recently, I have rec 'd a letter from XXXX of Nation Star 's group of lawyersthreatening FORECLOSURE now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Affirm Holdings, Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have bought an 18k solid gold ring from XXXX known as XXXX for XXXX dollars on XX/XX/XXXX and I paid with affirm.com as 3 payments. I received the ring which is SUPPOSED to be 18k solid gold but when I tested the ring it was gold plated 14k gold only and not solid 18k gold and the band was done so very thin that it looked as if it was stretched to resize it to a bigger size and the ring was supposed to be 9.6grams but I received a 6,8 grams ring and that is 33 % less weight that what I paid for and also it is NOT real gold and it is NOT 18 k solid gold so I was scammed by XXXX ( XXXX ). I opened a dispute case with affirm.com on XX/XX/XXXX and until today they have done nothing to refund my money and they still have not given me a decision. I sent them all the documents and evidence they asked for but NO response from affirm.com. Affirm.com needs to decide this dispute case in my favor and refund me XXXX the money of XXXX dollars. I gave them all the evidence they asked for and the test that it shows it is NOT 18K solid gold. It was gold plated 14k gold and that is fraud from the seller XXXX ( XXXX ). Affirm needs to resolve this dispute case to my favor and NOT ignore it and its been more than 30 days since I filed the charge dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Account status incorrect

Complaint:
I, XXXX XXXX has had my sensitive information exposed in the XXXX  Data Breach in XXXX and XXXX  Breach in XXXX. Information such as my social security number address and financial accounts and I fear that this information may have ended up in the wrong hands. I have sent multiple letters disputing these in accurate accounts on my consumer reports and I have not received any response. I feel like I am being taken advantage of and these companies are not providing fairness and accuracy as it states in 15 USC 1681a ( 4 ). My last correspondence were sent using U.S. Certified mail # XXXX to Transunion

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 2021-06-24
Company: EQUIFAX, INC.
State: KY
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. I have provided proof of my ID, Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
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. 

Account name : # XXXX, XXXX XXXX, Account name : # XXXX, XXXX XXXX XXXX XXXX, Account name : # XXXX XXXXXXXX XXXX XXXX, Accounts name : # XXXX XXXX XXXX XXXX, Accounts name : # XXXX OFFICE OF THE ATTY GENER, have 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has already been removed once due to being false a few / couple years ago and it has appeared again.. I am unaware of this account and it needs to be moved again.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently informed that there is negative information being reported by Credit Bureau under my social security number. On XX/XX/2020 this account XXXX XXXXXXXX XXXX in the amount of {$3300.00} was reported to my credit report. Please advised that this reporting is incorrect, error, or 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 2022-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Bank of America 's Attorney XXXX XXXX of XXXX XXXX XXXX XXXX. 

1. XXXX XXXX Bank of America sent a sheriff to my home and place of work. To serve me a lawsuit in front of a client family and all the people in my neighborhood who were outside at the time. This is a form of harassment pursuant to 1006.14 ( a ).

2. By sending the sheriff to my home they falsely implied I was a criminal 1006.18 ( b ) ( 1 ) ( iv ).

3. By sending the sheriff to my home and place of work they were falsely implying that they were vouched for, bonded by or affiliated with the United States by the sheriff to serve me. This is a violation pursuant to 1006.18 ( b ) ( 1 ) ( i ).

4. They contacted me at an inconvenient time while I was working at my home to serve me for a lawsuit pursuant to 1006.6 ( b ) ( 3 ) and 1006.6 ( b ) ( 1 ).

5. I the consumer never gave them consent to initiate a lawsuit against me pursuant to 1006.30 ( d ) ( 3 ).

6.The debt collector ( XXXX XXXX XXXX and XXXX XXXX XXXX ) for Bank of America claimed they were an attorney this is a violation pursuant to 1006.18 ( b ) ( 1 ) ( iii ) XXXX XXXX. 

7. And again the debt collector ( XXXX XXXX XXXX XXXX and XXXX XXXX. ) for Bank of America claimed they were an attorney this is a violation pursuant to 1006.18 ( b ) ( 1 ) ( iii ) XXXX XXXX. 

8.When I sent the debt collector a request for validation on XX/XX/2021 they did not respond within the 5 days stated pursuant to 1006.42 ( i ) ( b ). They did not respond until XX/XX/2021. 

9. XXXX XXXX of XXXX XXXX XXXX XXXX. the debt collector for Bank of America and Bank of America used logos on their letters which is goes against 1006.10 ( b ) ( 4 ) XX/XX/2021. 

10. XXXX XXXX of XXXX XXXX XXXX XXXX. the debt collector for Bank of America and Bank of America used logos again on their letters which goes against 1006.10 ( b ) ( 4 ) XX/XX/2021. 
.

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 2015-11-30
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
As a homeowner, financial hardship was experienced. The mortgage company was contacted for assistance ( loan modification ). The initial request for assistance was over two years ago. All documents requested by the lender were submitted, but there were frequent requests for additional information. As time went by, documents needed updating. And, on multiple occasions, the full package had to be resubmitted. To make matters worst, a XXXX Sale notice was posted in XXXX. A representative at the mortgage company said this was in error and would be put on hold since a review for assistance was in progress. Unfortunately, the mortgage company dropped the ball again as the XXXX Sale was not postponed. The homeowner was able to get an extension, but as per policy this should not have happened. The homeowners are elderly and on fixed income. The time, effort and stress has adversely affected their well being. For over two years assistance was received from a HUD approved non-profit housing counseling agency. Prior to that, assistance was received from a family friend in local banking. They are now preparing to meet with an attorney for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Account information incorrect

Complaint:
US Department of Education is in Federal violation of the Fair Credit Reporting Act. They are tarnishing my reputation and causing undue hardship for falsely and illegally reporting alleged debt much beyond 7 years old. There are 3 accounts reporting on my credit reports with a status of collections. All are listed as Acct # XXXX with balances reflecting as {$25000.00}, {$54000.00} and {$28000.00}. These accounts are from XXXX and prior. US Department of Education is providing misleading information on my consumer reports. This illegal reporting has been preventing me from being able to apply for credit to provide for my family. My credit is constantly discriminated against because of these large amounts and outdated accounts. They have illegally reported that these accounts were opened in XXXX. I have not attended any school in the last 9 years. These accounts are fraudulent and violate my consumer rights.

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 2022-10-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On the night of XX/XX/2021 Navy Federal sent XXXX XXXX XXXX ( Tow Truck company ) to commit Grand Theft Auto at my private domicile. Unaware of what was taking place on that rainy night my tribe and myself were startled to the sounds of the assailant. Unaware of who the individual was or what was going on I for the protection and safety of my offspring domiciling within I did not intefer with what was raking place. This was after bankruptcy in a Global Pandemic after dehbilitating XXXX all of which Navy Federal was privy to and still decided to orchestrate such a heinous and egregious act against consumer/creditor and his offspring. 
According to congress financial institutions were warned because of this level of predatory behavior. It is a known fact that Banks can not loan money 12 USC 1431 ( b ) Navy Federal alleged that there was a debt owed; but 18 USC 8 makes it very clear that all " debts '' belong to the United States. Again the " alleged '' debt was discharged in the bankruptcy and Navy Federal was well aware of this. There was never a moment where they offered to assist and issue title at all. Instead they plotted and pirated on consumer/creditors tribe and offspring serious of unfortunate events. In additiion Navy Federal violated 12 USC 83. This repossesion affected work and our domicile duties causing a snowball effect we have yet to recover from. There was no repossesion notice furnished neither in the ordeal. Navy Federal never offerd me the Right of Recession in 15 USC 1635. Navy Federal violated the Fair Debt Collections Act, 15 USC 1692. The repossesion company never showed or issued any debt collection license. There was never any enforcable security interest under 15 USC 1692f ( XXXX ) ( A ). On the Promisary Note the Grantor a legal fiction is listed XXXX XXXX XXXX that is not consumer/creditor and is listed as the Guatuntor. NAVY FEDERAL is a corporation and can not sign and did not sign which is a violation of contract law. Equal value was supposed to presented to the agreemnet in which it was not. Consumer/Creditor Secured Crditor/ Beneficiary was taken advantage of. Upon original financing conveyance was paid upon the signature of Consumer/Creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: IL
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:
The reporting Agency keeps allowing XXXX account put old delted accounts back on my report over and over. After i was found inncocent. these companies was deleted before and now they back on several times. please stop letting these companies abuse me because they was deleted over the last few years many times. 
1. XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXXXXXX 6.XXXX XXXX XXXX 7.XXXX XXXXXXXX XXXX XXXX These accounts was open by Fraud when i was out of the country , and the CFPB helped get them removed and the Attorney General Office. and you guys let these companies put it back on over and over and over. its been years. How about helping me and stop allowing these place to try to Con and scam me into paying debts i did not do. Remove them again please.

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