BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a complaint against Nationstar Mortgage. I had applied for a HAMP modification Loan in XX/XX/2016 only to find that the application was pulled in XX/XX/2016. I did not find this out till XX/XX/2016 after I called them and was told over the phone that the loan application was pulled. The person on the phone could not tell me why it was pulled. He did tell me that there was a note in my file that the property was condemned. My home is in the process of being rebuilt after Superstorm XXXX. In XX/XX/XXXX when they pulled my application, the structure was already built on piles. The siding and roof on, as well as the doors and windows in. Neither the township nor the county I live in is going to condemn a new house being built with a state HUD Grant under the NJ RREM program. Nationstar had to have made this determination that the property was condemned. I do n't know if this had anything to do with the pulling of the application, because I never received any form of communication that it was being pulled. Can a mortgage company decide to pull your HAMP modification loan application without giving you notice that it is being done? Or without giving an explanation as to why? I had just learned that XXXX had filed on XX/XX/2016 to foreclose on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email notice from XXXX on XX/XX/2023, indicating that a credit file inquiry was made by Bank of America. I have a checking account with Bank of America so I assumed it had something to do with that. However, today, XX/XX/2023, I received a letter that looks like it's from Bank of America that states they are " working on your application for the XXXX XXXX  XXXX XXXX card and need to verify the information on your application. '' I NEVER applied for this credit card and believe that it was done fraudulently by someone using my personal information. I just spoke with XXXX who put a fraud alert protection on my credit that will also be shared with XXXX and XXXX. XXXX also said they will remove the disputed inquiry by Bank of America, but informed me that I need to contact XXXX and XXXX separately to ensure that this happens there as well. XXXX also suggested that I file a complaint at FTC.gov, which redirected me here to the CFPB. XXXX provided me with a correct/safe number for Bank of America , so I will contact them today regarding the above.

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 2023-01-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}

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 2016-01-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
White man came to my property at XXXX XXXX XXXX XXXX at XXXX XXXX walked up the driveway took pictures of my ( the ) vehicles ( license plates ) in the driveway, walks to the door, and places a envelope ( attached ) to the front door screen. All this is taking place as my folks that reside at XXXX XXXX ' XXXX XXXX year old son is observing on surveillance video while watching TV. He asks the white man what he 's doing as he walking away from the front door down the driveway again, taking pictures of the front door, and car license plate in the driveway. Gets to the end of the driveway and answers the kid by hollering out " XXXX MOVE '' ... The kid takes the envelope from the front door, and gives it to his mother who gives it to me. The statement in the envelope says : Urgent Notice : Please contact your mortgage servicer immediately at : XXXX Thank You " XXXX MOVE ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Started to receive calls in XX/XX/2022 from XXXX with XXXX, Fair Collections & Outsourcing, regarding a debt I have with XXXX XXXX. I let him know that there were some charges I didnt agree with and that I was waiting for them to get in contact with me regarding that before I would pay. 

I finally heard back from XXXX XXXX in XX/XX/2022, and that sabe day I called XXXX back and informed him that I had heard back and we could start setting up arrangements. The amount I told him I could do was {$30.00}. He proceeded to ask, Well do you pay {$30.00} in rent? No, so the company wont accept that and neither will I. I then asked if {$30.00} wasnt acceptable, then what amount would be? He told me, The full amount. Im not going to sit here and argue with you. You have to pay the full amount, no other arrangement is allowed except that. I told him I knew that wasnt true and that I am allowed. He proceeded to say some other stuff and I told him that he was rude, unprofessional, and that would report him for his behavior. 

XX/XX/2022, this collection appeared on my credit. Immediately after I filed a complaint with the XXXX  regarding XXXX behavior. 

In XXXX / XX/XX/2022, someone else from XXXX called me, and she let me know that I could make an arrangement and we went through the options. I asked how I could get this off my credit because it shouldnt have been added due to his misinformation, unprofessionalism, and misrepresentation of debt collection best practices. She told me XXXX has a no removal policy and I would need to reach out to the consumer manager to possibly get this removed. Discussed the situation with XXXX and she sent me an email pdf letter informing me they werent going to remove it. 

There are a few issues here : XXXX ) I wasnt able to setup payments based on my conversation with XXXX and his unprofessional, disrespectful attitude and language. This resulted in the item appearing on my credit. XXXX ) There policy of no removal is unfair for situations such as this were their debt collectors are giving misinformation and wont allow their customers to make arrangements.

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 2023-01-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 AWA COLLECTIONS added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AWA COLLECTIONS has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hard inquiries are not authorized per ; 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate. 

Please remove hard inquiries listed below : 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

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 2016-07-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Well fargo wo n't apply my payments when they are received. I had file complaint number XXXX with consumer finance and Well Fargo reported the payments where applied and credit agencieys were notified. Now the next payment I made goes to unapplied just like EVERY PAYMENT i 've made for three years!!!!!!!!!!

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 2023-03-10
Company: Total Finance AC LLC
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 XXXX XXXX XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its 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 fot late purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I notified XXXX  ( XX/XX/2018 ), Equifax ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Relin, Goldstein & Crane, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, and this a new complaint with updated information that has since been discovered after careful research and review. 

I have reviewed the documents presented in the last communication and have discovered that all statements provided from XXXX seem to be inconsistent with the postal rules prescribed by law. i have a few questions. 

why does none of the statements include this notice? the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. ; or in lieu thereof, a notice to the same effect in words which the Postal Service may prescribe.

Are all statements provided in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due? 

What makes amex exempt from these standard postal rules? 

also, your agency has sent notices in the mail soliciting payment and so, what makes your agency exempt from these standard postal rules? 

What your agency and XXXX is responsible for is for sending non mailable matter and is a civil and criminal offence. 

your response is appreciated. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir/Madam, Listed below are the facts of our complaint in the order of occurrence against Nationstar Mortgage LLC ( XXXX XXXX ) XXXX, TX XXXX for failing to post mortgage payments to our accounts mentioned in the documentation. Even-though our monthly payments are always sent out on time, Nationstar Mortgage LLC is not keeping the accounts up to date. However, late fees are applied monthly. Nationstar Mortgage LLC does not respond or corrects the problem after numerous letters were sent to several of their departments, including the Executive Vice President Of Servicing ; see listed below and attached copies of correspondence : XXXX/XXXX/XXXX forwarded letter to Nationstar asking to post mortgage payments made to accounts XXXX and XXXX on line ( XXXX/XXXX/XXXX ), and to remove late fees and derogatory remarks from loan 's history ( see attached copy of letter ) payments were made on time. Nationstar monthly statements do not reflect the payments made. 

XXXX/XXXX/XXXX forwarded letter to Nationstar asking to post mortgage payments made by check to accounts XXXX and XXXX and to remove late fees and derogatory remarks from loans history ( see attached copy of letter ) payments were made on time. Nationstar monthly statements does not reflect the payments made. 
We have sent out monthly letters to Nationstart Mortgage LLC since XXXX XXXX when they removed the automatic monthly withdrawal we had set-up on line. 10 months have passed by and Nationast continues to delay the posting of the monthly payments o ignore the posting. Also, adding late fees. We have receive threatening calls from the Nationstart staff, demanding money, threatening of foreclosure, damage to personal credit, etc. very unprofessional people, not willing to resolve the problem, only interested in making the issues worse. Attached are copies of all the correspondence we have submitted to various Nationstar 's departments and sent to several staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
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: 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. 

Account Name : XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  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 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Financial Accounts Service Team Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Fin Accts Sv in XXXX of XXXX with a debt owed of XXXX for equipment from vyve communications. Immediately during the XXXX day dunning period I called Fin Accts and reported that this was an invalid debt, no correct as I had already sent back the equipment they were saying the debt was for. The lady asked if I could send her the receipts from the postal service showing I had returned the equipment in which I did send them proof that the equipment had been mailed back, they had the date and tracking number of when I returned it. My town was hit by a major hurricane and it showed that due to postal service having NO service the equipment was sitting with the postal service. They still reported this to the credit bureaus as a PAID collection. This was never a paid collection as I proved to them that this was an invalid debt. It should have never been reported to any bureaus being the proof was sent to them. I have sent letters disputing this account as inaccurate information on my credit profile reporting to XXXX and XXXX on XX/XX/XXXX and again on XX/XX/XXXX in which no response was given to me from the XX/XX/XXXX dispute. Both XXXX and XXXX remain reporting this as a paid collection. I have never paid them anything, it should have never been added to my credit report after I proved this equipment had been returned. I didn't have to pay anything.

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 2023-11-29
Company: EQUIFAX, INC.
State: AL
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:
This notice is to inform you that you have broken the law. You unlawfully report unauthorized accounts on my consumer report that have violated myfederally protected rights to privacy and confi dentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my creditprofi le. You have violated me pursuant information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation.You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief