BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I went through a home modification in XX/XX/XXXX. XXXX sold my mortgage to Nationstar Mortgage. Nationstar tends to go up every year and I have a fixed rate. I asked why and the representative stated the taxes are going up. When I get my notice from the tax assessors ' office, the taxes were going down but the mortgage was constantly going up. Lately whenever I try to lower my rate by refinance, streamline, or any type of service, they say I do n't qualify or you need to wait a year. When the year is up, the hit my credit stating I am late. Recently I paid my mortgage and the representative stated I was late and I know I was n't. she stated that by the time it posted to my account on their end, it was late. I told her that I have no control over their posting system but I should n't have to suffer for their error. My mortgage went from XXXX to in XX/XX/XXXX XXXX. I told the representative that this mortgage is getting to be ridiculous. The representative asked why am I complaining? I told her I was complaining, I was merely mentioning the practice of this organization. She laughed. I have not done any additions or modifications to this property. To me it seems like this company price gauge the property to keep customers locked in to them. Businesses should understand that word of mouth goes a long way and they should n't abuse the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my sons debt for the amount of XXXXdollars that opened XX/XX/2019 for season tickets to XXXX XXXX  XXXX XXXX me and and my son both reached out to Midwest recovery systems to explain this is my sons debt but I have had no cooperation from them I have filed disputes with XXXX  and XXXX  I had very good credit rating and exceptional payment history this my sons debt we share the the same same I am a XXXX and he is the XXXX  and some how they used my name I have not received any billing statements or emails regarding this it was opened with my sons email account and phone number and credit card!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 ufc 168. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. 

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 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 2023-10-16
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : L J Ross Associates IN Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt.

Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it. 

I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX wrote a liability property insurance for my residence. That account number is XXXX. It was for XXXX XXXX XXXX XXXX, # XXXX, XXXX, Illinois. 

I cancelled the policy by letting it lapse. I decided to not renew the policy. The premiums doubled during the course of one year. The anniversary of the policy renewal date was XX/XX/2022. I was paid up through XX/XX/2022. I no longer needed the policy. 

XXXX XXXX assigned {$80.00} to XXXX XXXX XXXX XXXX, Ma. That Collections was reported to the three major credit reporting agencies. I disputed the account. XXXX and XXXX immediately removed or deleted the account. I received a confirmatory email within a few minutes from both. I disputed the same account twice with Equifax and they " verified '' and refuse to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair/correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi, i was using Coibase wallet and was scammed in a arbitrage trading platform on their site called XXXX, i had XXXX worth of XXXX ( about XXXX USDT ) taken from my account without my permission, I have contacted Coinbase but they say it is not their responsibility and say they can not recover my funds.. I did not make any transaction and have lost everything to the scammers. 

Coinbase will not help me even though we have the wallet address it was sent to and the transaction information. 

Please help me, i have lost everything and coinbase will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/22 - I made an appointment with a Wells Fargo branch to close my dads account - I am administrator of his will. After 1 hour of sitting in the branch with the manager on the phone to the estate department and sending all of the required paperwork, I left the branch to go to another appointment. Subsequently I filed a complaint and escalated the problem. The next level said they would investigate and get back to me in 10 days. when they didn't get back to me I escalated it again. This level said they would investigate and get back to me in 10 more days. The did get back to me and said I would have to make an appointment and go to a/the branch to close the account. I said no and escalated it again to the office of ECMO. They called me this morning and said I would have to make an appointment and go to a/the branch or call the estate dept and do what they asked. I chose to call the estate dept and they said I needed to make an appointment at a/the branch or they could send me a form that I had to get notarized, mail it back and it would take 15 days plus mail time. I feel like I did all the right things in the first hour and that someone needs to hold Wells Fargo accountable. Wells Fargo is just stalling to keep the money as long as possible.

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 2015-08-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We received the attached demand letter, on XXXX/XXXX/2015. After receiving a resolution letter from Nationstar on XXXX/XXXX/2015, we thought we resolved this issue. I called Nationstar Mortgage, Customer service did not know how to handle directed me to consumer relations. I called ( XXXX ) XXXX spoke with XXXX on XXXX/XXXX/15 & she said that she can not give any explanation nor any status and our Attorney has call on our behalf. I told her we do not have attorney representing us and she told me to write a letter stating so. We do not understand why they can not provide us straight answers. Nationstar is demanding {$9400.00} and we want to know how & why they came up with this amount as we have been sending in our monthly payments every month and have sent in cleared checks to prove the checks have cleared thru Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
In XXXX I purchased a vehicle from XXXX XXXX in XXXX Michigan. They purchased my lease. On XX/XX/XXXX the dealership paid XXXX XXXX to ally financial to buy out my lease. Ally sent them the title. They sold the truck. Ally is still charging the monthly lease payment. Listing the amount as past due. I have made several phone calls. They tell me the truck is still owned by myself ( and them, due to the lease ) they then try to tell me that XXXX XXXX has my account. I have tried contacting them on several occasions. Never getting off of hold. I was scheduled 2 separate call backs. Neither happened. 

I spoke with the dealership. They were asked to provide the odometer statement. Which they did and in return Were given the title. The dealership has tried to help me. Only to spend hours on hold never being able to get the right department on the phone. 

So as of XXXX, my truck was sold to the dealership by ally financial. Ally financial continues to keep my account open. Ally financial continues to charge me monthly for the vehicle. Just over XXXX dollars listed as past due so far. 

Through hours of phone calls I can talk to no one that has any knowledge, or ability to help me with the account. Other than telling me I need to talk to dealer services. Which does not seem to exist. 

The truck is in mine and my wifes name

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 2020-01-07
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The complaint is against Flagstar Bank XXXX XXXX XXXX ( XXXX ) XXXX, MI XXXX We closed and paid off our loan at the end of 2019 on XX/XX/XXXX via a refi. 

The dashboard for Flagstar 's online account shows the account was paid in full on XX/XX/XXXX and showed an Escrow balance of {$2400.00}. However, on the XXXX XX/XX/XXXX they charged us 2 months of PMI/MIP ( {$340.00} ) even though no balance was due and deducted it from the positive escrow balance they were holding. 

Further, even though they were paid on the XXXX XXXX they charged interest till 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 explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: TN
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime on XX/XX/2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX  and XXXX  finally removed the unknown accounts from my report. Unfortunately, XXXX  has been refuse to remove an account and that is allegedly because QUALITY ASSET RECOVERY, is verifying the alleged debt, so I am now contacting the CFPB because I need this collection account out of my credit report, it is affecting me a lot.

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 2023-11-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-03-13
Company: Experian Information Solutions 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 discovered that the same account on my credit report was misleading. The 3 credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and updated : XXXX XXXX XXXX : {$20000.00}

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 explanation
Consumer complaint received 2021-06-23
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover card is holding onto a payment of {$85.00} and not posting it account. I called Discover card customer service and I was told it could take two weeks. I have never had a returned payment in the past and account has been open almost two years. The funds have already been withdrawn from my checking account now for over a week. I feel this ridiculous. I want the payment applied immediately or the funds returned to my bank. Discover card or any bank for that matter should not be allowed to hold funds in limbo for 2 weeks or for however long they feel like it. This should be against the law and I feel further government regulations are required so banks such as Discover don't take advantage of consumers. I also had a slimier issue with XXXX XXXX but what XXXX XXXX did is the called my bank with me on the other line and they confirmed that payment cleared then they released the hold of funds on my XXXX XXXX credit card. Discover card should do the same as this is totally absurd.

Company response to consumer: Closed with explanation