BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX and XXXX XXXX are borrowers on a HAMP agreement with Nationstar. The borrowers were in a foreclosure lawsuit in New York and the matter was adjudicated and an appeal is pending in Appellate Division, XXXX XXXX The borrowers were making their payments electronically and attempted to make the XX/XX/XXXX payment but was restricted. A 3-way call was made from the XXXX XXXX XXXX XXXX XXXX. XXXX with the borrowers and a representative from Nationstar, who verified that a code had been placed on the file and it had to be resolved through the legal department. The borrowers ' attorneys office sent emails to the bank 's attorneys explaining that if the borrowers are restricted from making payment it could trigger a default and caused the borrowers to be at risk of foreclosure. On XX/XX/XXXX, XXXX XXXX, XXXX. with the XXXX XXXX XXXX  XXXX XXXX who represents Nationstar in the appeal contacted XXXX XXXX, the loan processor with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX who represents the borrowers to inform her that she needed a Stipulation to Withdraw the Appeal signed since the borrowers are in a permanent agreement and that she had spoken to the legal department of Nationstar to remove the " code '' so that the borrowers could make their XX/XX/XXXX payment. On XX/XX/XXXX the borrower again attempted to make the XX/XX/XXXX payment but there is still a code restriction on the loan. Because New York is a judicial state all mediation and loss mitigation is handled by the attorneys so servicers, banks, and investors will not communicate directly with the borrowers. Such restrictions put the borrowers at risk in such cases where payments have to be made or loan processing is retarded by law firms who are not underwriters and delay in forwarding paperwork to the bank. The borrowers have been restricted from making their XXXX payment because the bank 's attorneys want a signed stipulation withdrawing the appeal since the matter has been settled. Because Nationstar does not want to continue to pay attorney fees it is forcing the borrower 's attorneys to sign a stipulation and have put the borrowers at risk of default. Attached are my supporting documents and this matter has to be investigated so that the borrowers are not put at risk because law firms are bartering them as collateral damage. The borrowers have spent thousand of dollars in foreclosure defense fees and should not be placed with such imminent threat of financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Credit Card Receivables Fund Incorporated
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received documentation that I have been sued in a court of law for a debt I didn't incur and have no knowledge of whatsoever. It is my name, my address however I don't have credit cards nor have I had credit cards. 
I was out of state for the winter and came back to this. I want to know where were the statements mailed for this because this is the first time I ever heard about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint against  two  mortgage companies :  XXXX   XXXX   XXXX  and Nationstar. The filing number is  XXXX .   XXXX  Nationstar has responded to my complaint, but it sends the information regarding the same to my previous attorney,  XXXX   XXXX .  XXXX   XXXX  has lost his license to practice law in Florida due to complaints from citizens regarding his handling of their claim against mortgage companies.   XXXX  He was my attorney in our claims against  XXXX   XXXX   XXXX  and Nationstar.   XXXX  I have numerous email messages from him regarding our complaint, but he is not representing me or my husband.   XXXX  Please ensure that both  XXXX  and Nationstar send correspondence to me as opposed to  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my third complaint. Keep your home CA ( KYHC ) is assisting me by paying {$3000.00} towards my payment. Their portion arrives towards the end of the month and my portion is due on XX/XX/XXXX. My XX/XX/XXXX was paid on XX/XX/XXXX. On XX/XX/XXXX I had to follow up since my payment was still showing as unapplied. XXXX XXXX, employee of Nationstar replied on both prior complaints therefore I reached out to her via email about the payment not even being applied yet. She responded on XX/XX/XXXX that I should see it updated in 48 hours. It was not applied so called and voicemail indicated she was out of the office until XX/XX/XXXX. I called their customer service, which never can do anything but open a " request '' to have my payment applied. On XX/XX/XXXX, I received a response from XXXX state that the payment has now been applied and that KYHC is not requiring the payment to be posted on XX/XX/XXXX. Frustrated, I looked up my payment activity and confirmed the payment had been applied as of XX/XX/XXXX. I then responded to XXXX to indicate, I have never said that this was a KYHC law but part of the CFR that payments should be applied timely. It seems because I am receiving government assistance that I am not treated fairly. I have to notify them each month that payments are all in so that someone can manually post them to my loan and almost each time, they are not back dated to the date the entire payment was received. Please note, I understand it takes time to put the payments together and apply but if it takes them over 3 weeks, just post it with the correct effective date when the entire payment was received. <P/>Today, I received a call from KYHC that they were requested by Nationstar to tell me it was not their requirement to back date payments. They also told me that Nationstar does n't have the ability to back date or it takes extra steps. I apologized to KYHC as this has nothing to do with them and asked her to please notify Nationstar to explain " why '' they are refusing to be compliant with the reg and not posting my payment as of the date it was received to the CFPB. The ongoing excuse is we are not reporting you as late or charging you late charges etc. I in fact do receive late notices which in turn I have to contact them to fix the payment each month if I fail to notify them that the payment has been received by them. <P/>Last complaint was responded to on XX/XX/XXXX indicating that it was error and it was corrected. <P/>Prior compliant was XX/XX/XXXX and all prior errors were corrected. As previously stated I still had to contact, XXXX XXXX to notify her the payments were made and she would follow up to ensure they were applied and backdated. XXXX continued this for about a year until the Hardest Hit Department started to refuse to fix the payments in XX/XX/XXXX which lead to my second complaint. Despite no late charges this year, there was one last year which they finally reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TD AUTO FINANCE LLC is currently attempting tax fraud by continuing to attempt to collect a debt that was charged off in XX/XX/2023 and company filed a XXXX c on this debt. 

This company also violated my FCRA rights again according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. I have emails as well as several disputes on credit files letting them know the information was inaccurate and they still continue to report inaccurate information which is illegal by law. 

Below you will find proof of the inaccuracies such as Missing data which theyre in violation of the FCRA and also updating the same inaccuracies after being notified by credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today  Friday XX/XX/XXXX I contacted Equifax Credit Bureau to unfreeze my account. I was very distressed during this process I felt that I was harassed in the manner in which I was treated. Approximately between the hours of XXXX : XXXX  and XXXX I called Equifax Credit Bureau to unfreeze my Credit Report to make it available for a lender. The following occurred : automated ask my full social, birthday, numerical street address zip code, the automated also sent to my phone an access number in which it difficult for me to click over and do. Finally robot prompted me to an agent who continued to ask me the same things that the automated had asked my social, birthday , street address and zip code, After asking these same questions she said that she had some security questions as : Around XXXX of XXXX did I open an account with a group of companies and my reply was no. She asked who financed my car since I have owned several cars I needed her to be more specific and she said within ( 5 ) years I replied that XXXX was first and XXXX XXXX was the second also I sold the car in XXXX and paid the car loan off. She came back and asked me the same question and I told her the same things. She asked about who had my mortgage and how much I paid per month I gave her that XXXX XXXX  was first and currently XXXX XXXX XXXX. she act like she couldn't understand the two mortgages and I told her that XXXX had sold the loan. She also asked about my credit cards and I told her I had just got one today and who it was issued by and she asked me about XXXX XXXX and I told her I had a checking account and a preferred credit card she wanted to know the balances and I told her I didn't know. She asked me also did I owe any other credit cards and I told her no. The agent at this time told me that she couldn't honor my request because she couldn't authenticate me as XXXX XXXX even though I had answered all of her questions. 

This agent was acting like an attorney and in my opinion crossed the line in how she suppose to verify a person. She keep going off the phone saying she couldn't here me. It was a difficult phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold to Carrington Bank. I created an account on their website so that I could make a payment. Company charges a fee to pay either online or via telephone. Is there some sort of rule against this? In this day in age everything is paid online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-26
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
They are paid in full of what I owe the hotel 1 has the money that they are due I stayed at hotel for two days in which I paid affirm for but hotel 1 has the rest of their money I stayed for two days for {$600.00} but hotel 1 is keeping $ XXXX saying that hotel kept money but hotel says that hotel 1 only paid them the {$600.00} so hotel one is stealing and wants me to pay I keep telling affirm to verify with hotel as my bank did to refund my money but they won't so now they are saying I owe for everything even the {$600.00} I paid the for the days I stayed please help this is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 called TransUnion, XXXX, and XXXX after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last request and hoping that these accounts ' lates will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00}

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 2016-09-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have received several emails over the past few years regarding an " account '' with Wells Fargo, that I know nothing about. They seem to to be coming from different senders within the bank. I was able to retrieve one of the emails sent recently ( see attached ). The email was sent to : 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 2023-07-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX XXXX I purchased three toy cars from XXXX XXXX paying with XXXX XXXX and Truist debit card. I received the items damaged. I filed a complaint with XXXX  who denied my claim stating I need to file with the bank. I filed a dispute with Truist, Truist provide a form " WRITTEN STATEMENT OF UNAUTHORIZED DEBIT ( ACH ) '' I called them and said it was the wrong form as it was not an unauthorized debit. I am complaining of received damaged items and I want a refund.Truist told me to check other and explain that the form did not matter. I checked other as Truist instructed and wrote my statement on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an email denying the dispute stating that the who denied my claim stating I called XXXX XXXX the number on Truist denial letter and was on hold for two hours the call was not answer so I hung up and filed this complaint. Based on a review of our records and the information gathered during the course of our investigation, we have determined, with respect to the above reference amount that the transaction was authorized and therefore not eligible to be returned. You have the right to request a copy of any documents that we may have relied on in making this determination. 

Truist has systematically denied ever claim I have filed in the past without providing documentation it relied on in violation of federal law in addition chargeback-worthy claims include : merchandise arrived damaged or defective.

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 2020-06-12
Company: Experian Information Solutions Inc.
State: AL
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX. Company Inquiries : 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 explanation
Consumer complaint received 2023-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have recieved numerous calls that were XXXX  as well as the intent to sue me with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX XXXX to Nationstar, in XX/XX/XXXX. I was not happy about this transfer and asked if I could have my loan moved back to XXXX. This was denied by Nationstar. I have always made payments to nationstar on time. In XX/XX/XXXX, I was alerted during a credit check that my credit report showed a missing payment to Nationstar. This was the first time that I was made aware that I had any payment issues with NationStar. They have never contacted me for not receiving the full payment. in XX/XX/XXXX they held a payment from me for 30 days because they viewed it as partial, however they did not apply it to the principal. The money was " un-applied ''. I have spoken to Nationstar on three separate occasions and they have told me they would start an investigation. However, I have never received any follow-up and each time I speak to them it is a complete restart from the beginning. The last two days I have tried to call them I was automatically hung up on. I tried to call them multiple time on each occasion. There has never been a missed payment to Nationstar, they did not apply the payment because it did not fully cover the escrow and insurance increase. However the payment made was enough to cover the principle, interest in full. In XX/XX/XXXX I tried to re-finance with Nationstar and was told that I would have to wait until I had two years of taxes showing my XXXX income. They did not mention to me that there were any payment issues with my account. After receiving the credit report I was able to determine that Nationstar has records that only a partial payment was received since XX/XX/XXXX. For over a year they knew that there was an issue with a partial payment to my account, this is only partial based on the calculated escrow account. I never received any calls or written letters. The amount I have to increase my payment changes two times a year. I have never received any personal call from Nationstar. I am constantly receiving automated calls from them, however whenever I call them the calls are always opportunities. I need to have this missing payment removed from my record.

Company response to consumer: Closed with explanation