BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-09
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX took out a reverse mortgage for me. Soon after, I started realizing something was wrong. I was paying property taxes and insurance on my house this entire time, since the end of XX/XX/XXXX/beginning of XXXX. I was then receiving notices of nonpayment from Champion Mortgage even though I have receipts of payment from the city. I sent in some handwritten complaint letters to Champion Mortgage, who had taken over my reverse mortgage, requesting information about transactions they had done. I also sent notarized letters to the CEO of Champion Mortgage. He stated, " I just bought this company. That 's neither here nor there. This is a new day and from now on everything will be in writing and I will furnish complete records on spreadsheets of the true and full accounting of what happened to your money ''. I failed to receive ANY of this information. All they did was send me a list of letters they had previously mailed me, which I still had at my home. I applied for help through the Step Forward Program in the State of Michigan with NO results. I also went through the legal motions when I learned about the right to recission. I sent in a notice to cancel ( mortgage XXXX on XXXX/XXXX/XXXX ), a XXXX notice to cancel ( reverse mortgage XXXX on XXXX/XXXX/XXXX ), an addendum to cancel, notice of removal of trustee, and a notice of revocation of power of attorney to CFO XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, Executive VP at Nation Star Mortgage LLC, and XXXX XXXX, CEO at Champion Mortgage. I retained notarized records of these notices. 
- There was a Sheriff 's deed on mortgage foreclosure XXXX XXXX, XXXX. On the Sheriff 's deed, the world 'exempt ' is written in the left margin for me to be notified of this. 
- Everything is notarized by a notary public/paralegal, and everything was certified by postal mailing. 
Now, they are trying to evict me from my house for the Sheriff 's sale on Tuesday, XXXX XXXX, XXXX at XXXX. Judicial district XXXX, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX. The case number is XXXX. I had sent in a notice prior to the Sheriff 's sale demanding the it not happen, but this notice was ignored. 
I did not receive payments on the reverse mortgage. I only received a small payment and no monthly payments therafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: VA
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:
Hello, Equifax is govern by 15 USC 1681 and they have violated my rights many times. I demand the accounts below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts.

PLEASE SEE ATTACHMENT. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: MD
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$54000.00} XXXX XXXXXXXX Balance : {$19000.00}

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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I am writing in regards to my Bank of America account, I have made all my payments on time upon making my last payment which bought my account down to XXXX. I was then billed for interest which I was under the impression that my account was a XXXX balance and therefore didn't even check on my account. When I was put on notice that the account is past due I paid it right away.

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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is not a DUPLICATE Report and this not filed by a XXXX XXXX or XXXX XXXX XXXX. 

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights under XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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 2023-05-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have filed an police report and ftc report on this account which I did not open or authorize. The company is XXXX XXXX. XXXX. I also : state with Experian that my rights have and are being violated under the law 15 US Code 1681a ( 2 ) ( A ) subject to section 1681-3 of title, any ( I ) report containing My information was stolen and I am still being victimized. 
Thank You 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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-19
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: Reporting company used your report improperly

Complaint:
Ive never given you express permission nor consent to furnish information and or accounts to my consumer report. If you have any evidence that proves I gave you consent please provide it to me in writing as an attachment in your response to this complaint through the CFPB as well as via email which I will include in this complaint. Should you have proof/evidence of me giving you consent to furnish information or accounts to my consumer report please clearly and conspicuously provide me with an explanation as to how I can opt out of having my info stored/shared/furnished by you in your companies database/records as well as non affiliated third parties that you do business with. You know it is against the law to to what youre doing without my consent. If we can not resolve this matter amicably, I will not hesitate to escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/20 today I send the report because I found many accounts not mine this is fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 non-monetary relief
Consumer complaint received 2018-08-10
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018, I attempted to deposit {$1200.00} into my bank account via Western Union. 

It was supposed to arrive the next day and still has not arrived two weeks later. According to WU, XXXX XXXX  credited my account. This is not the case. Feel free to check with XXXX XXXX. 

At one point we attempted a three way call between myself, XXXX XXXX   and Western Union. WU hung up. 

WU has repeatedly given me the runaround at one point stating the confirmation number was XXXX. Yes, XXXX. 

Now that I am asking for a refund I get placed on perpetual hold. 

I'm not really sure what to do. I have spent hours on the phone trying to get a resolution of some sort, to no avail. 

WU transaction # XXXX WU Investigation # XXXX My WU # XXXX XXXX phone # XXXX ( saying " More options ... more options ... more options ... none of these. '' Will speed things up ) XXXX XXXX  phone XXXX ( no real speedy options )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NJ
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:
I looked upon my credit report and discovered these accounts that need to be deleted.

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 2023-06-21
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Midland Funding LLC on XX/XX/XXXX, showing a balance of {$1500.00}. Midland Funding LLC failed to respond to my validation letter with the requested information. The uploaded attachment is the mailed letter and correspondence from Midland Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-06-21
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$11000.00} on XX/XX/XXXX and was not warned my funds would be held. I chatted in yesterday and was told it couldnt be released, and my funds would be held until XX/XX/23. When I asked to speak to a supervisor I was told I had to call in Super inconvenient to switch contact channels but whatever. The supervisor I spoke with stated that even though she could see that my funds were verified and received by Marcus by GS from the transferring institution, my funds would be held anyway. Typically banks hold funds for 1-3 business days but to hold them for 6-7 business days?? Its absolutely ridiculous! Especially since Ive transferred amounts much larger than this from the same transferring bank!! Nothing has changed from the transferring bank into this account, Ive NEVER had any deposit return, and this account has been open for over a year! I do not see the justification for holding these funds. I only intended to hold the funds there temporarily until I could plan what I needed to do with the funds.

I need these funds released so that I can pay off my car. Each day that goes by with Marcus by GS holding my funds is another day interest is accruing. Does Marcus by GS intend to pay for the accrued interest due to the unjustified hold??

Never once was I told there would be a hold until I actually hit transfer and it was completed. Had I know it would be held I never wouldve transferred it to this shady company. 

I need my money ASAP and I ABSOLUTELY WILL be terminating my relationships with GS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have previously disputed by mail several inquiries and I have not received a response from Experian. I have attached a new letter with the inquiries I am disputing.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX : # XXXX, XXXX STAR : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have a mortgage with Nationstar Mortgage and use a company - XXXX XXXX to make bi-monthly to the mortgage company. This agreement was set per Nationstar 's instructions. Last year XXXX our of payments were incorrectly applied by Nationstar and resulted in a credit reporting of XXXX late payments for XXXX, XXXX and XX/XX/XXXX. My husband and I repeatedly tried to get this cleared up and were told it had been fixed every time. Recently I applied to be pre-qualified for a home loan and was told there were XXXX late payments on my credit report XX/XX/XXXX. It took a month of repeated phone calls and finally they generated a letter that stated they would fix the incorrect reporting. The letter was useless - it stated the dates were for XXXX - XX/XX/XXXX not XX/XX/XXXX XXXX Please note that it is barely XX/XX/XXXX we have n't gotten to XX/XX/XXXX XXXX In addition it turned out that Nationstar had reapplied the payments XX/XX/XXXX which resulted in overpayment. The company suspended and held on to those extra funds totaling over {$1000.00} until XX/XX/XXXX. According to Nationstar 's policy they are required to return any funds held in suspense after 90 days. It took my repeated nagging, unpleasant phone calls to get this sorted out ... .yet ... here I am again ... .on hold ... waiting ... for them to fix the problem they created over a year ago with a letter I can not use to clean up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 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 an account without my written instructions.

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 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is my complaint to CAPITAL ONE for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is XXXX of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good morning, Acct # XXXX name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX , XXXX , Pa XXXX. My mortgage is with Nation Star Mortgage. The facts of my complaint are as follows : under RESPA a mortgage company is required to remit overage paid in escrow upon notification and proper due diligence. I have such an overage and I notified Nation Star Mortgage as soon as I received a letter from the county clerks office. Nation Star instead of following standard procedure botched the process and the county office did not remit my payment as required. Additionally, I have a cease and desist order on, my account. This means all communication must be done via mail ; Nation Star continues to harass me with solicitations and on XXXX Nation Star representatives called me XXXX. I need them to fix their incompetents and correct my escrow as soon as possible. Please have them stop call me. 

Thank youXXXX XXXX

Company response to consumer: Closed with explanation