BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: STATE EMPLOYEES CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are the Sellers on a buy/sell real property transaction in the State of Georgia. We were set to close on XXXX XX/XX/2021. The Buyers were working with XXXX XXXX at the XXXX XXXX XXXX, XXXX NC XXXX SECU branch. We signed an Amendment to the Offer Agreement to allow the Buyers more time than originally requested to work with XXXX XXXX to secure an appraisal. The only Appraiser to arrive was not scheduled, no notice was provided, and the Appraiser refused to wear a mask inside our home. The Appraiser was asked to leave. Six days later - on the day the contingency was to expire - XXXX XXXX asked the Buyers to request another Amendment - for as long as they will allow. Our Sales Agent indicated that XXXX required the Amendment or the Buyer was instructed to take action on the Appraisal / Finance Contingency. No advice provided to the Buyers - that we are aware of - such that by invoking an Appraisal/Finance Contingency without the proper paperwork would be unethical and / or illegal. The Buyer did invoke the contingency. We actively tried to make contact with the Closing Attorney and with XXXX XXXX. No effort to engage from XXXX. We did receive a withdraw letter but not a Loan Denial Letter as required by law. XXXX  boss is XXXX XXXX. We spoke with XXXX on XXXX XX/XX/2021. He showed no interest in the situation. He was helpless to support and offered nothing authoritative to inquire as to procedure issues or incorrect advice provided by those under his command. We strongly believe that SECU is incompetently and inappropriately serving its Clients. We arent sure what should be done about it but we are interested in helping others avoid poor communications and bad advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am writing to express my deep dissatisfaction with the recent outcomes of my applications for a business line of credit with Chase Bank. I applied for this financial product on two separate occasions and, unfortunately, received denials for both applications. 

After the initial denial, I took proactive steps to address the concerns raised by the bank regarding my income and contribution to the business. Despite making the necessary adjustments and providing additional documentation, I regrettably received a second call a month later, conveying the same results. During these discussions with XXXX XXXX and the underwriting team, I explained that, as a retired military personnel, I do not receive W2s. However, I assured them that my income and credit score are more than sufficient to meet the requirements. 

I have diligently provided the bank with income verification letters to substantiate my financial position. Unfortunately, it seems that the underwriting team is unwilling to acknowledge or recognize my income, raising serious concerns about the fairness and transparency of the evaluation process. 

My primary concern is the inconsistency between the bank 's acceptance of my applications over the phone on both occasions, only to be followed by subsequent denials. If I did not meet the qualifications for any of the business products, it begs the question as to why my application was processed over the phone in the first place. 

At this juncture, I am left with the impression that the denial may be more rooted in redlining based on demographic factors rather than a genuine evaluation of my ability to repay or my qualifications for the business line of credit. I find this deeply troubling and contrary to the principles of fairness and equal opportunity. 

I am reaching out in the hope that we can address these concerns promptly and transparently. I kindly request a thorough review of my applications, taking into consideration the provided income verification letters and my overall financial standing. I believe in the importance of fair and unbiased lending practices and trust that Chase Bank shares these values. 

I appreciate your prompt attention to this matter and look forward to a resolution that ensures equal treatment and opportunity for all applicants. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar Mortgage foreclosed on my house, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX on XX/XX/XXXX. I had multiple times requested Nationstar to provide proof that there was a valid and legal assignment of the Loan from XXXX, to XXXX XXXX XXXX, and from XXXX XXXX XXXX to Nationstar. The document that Nationstar provided, was a forged document, signed by " XXXX XXXX '', as Vice President of XXXX XXXX XXXX. I researched the name and found that XXXX XXXX is listed under fraud alert list of ROBO SIGNATURES. That fake assignment of the document is recorded at the assessor 's office, and that the document with which Nationstar Foreclosed on the house. 

I had hired an attorney, XXXX XXXX XXXX XXXX to sue Nationstar and the attorney abandoned the case, and summary judgment was granted. That attorney was sanctioned by California BAR Association. The case was prior to foreclosure. After the case got dismissed, Nationstar set a sale date. 

Few months After the sale, I received a tax for from Mr. Cooper, suggesting some how I gained $ 100,000+ by losing my house. 

The loan was for {$360000.00}, there was a second loan on the property by XXXX, which Nationstar did not contact, because XXXX is still trying to collect from me. Also The house was sold on XX/XX/XXXX for {$460000.00}, and Nationstar has not paid me any XXXX from the sale, and has not sent me any documentations regarding the sale, or how funds from the sale were distributed. The only thing I received was the tax forms from Mr. Cooper for {$100000.00} gain. The house was again sold sometime in XX/XX/XXXX for {$420000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IN
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : CXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: OK
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, 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 2016-09-22
Company: Apple Law Group, Inc.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I entered a Debt Settlement Program under the umbrella of Apple Law Group approximately 3 years ago and recently recieved a statement declaring the accountt had been " resolved '', after this company withdrawing a certain amount for over 3 years. I was suddenly told there was a statue of limitations with this particular bank because the main branch was based in Maryland, and there would not be funds withdrawn any longer ; the amount withdrawn came out to approximately XXXX U.S. dollars. Now the bank is trying to sue my ex-husband, who has nothing to do with this. And I repeatedly asked them to remove his name from the account. I am a victim of a scam and fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX  TX XXXX  RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately.

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}.

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount.

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount.

..

I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX   attorney ; the Chapter XXXX  bankruptcy trustee and court.

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date.

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}.

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX  Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Worldwide Recovery LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
They leave me message 's concerning my primary residence, which is not true, they also state they are suing me, which i have never received anything in the mail. they also left a message stating i cant communicate properly, and if I have attorney have him call because he probably can.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: PA
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 received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with BMO Harris, and credit card accounts from XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.

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 2021-07-29
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom this concerns, I initially fell behind my mortgage loan in XX/XX/XXXX because the company that I'd been working at for 8 years at the time got sold to another company and I was laid off. I searched for work but remained unemployed for 4 months thereafter. I finally found work in XX/XX/XXXX but was once again terminated shortly after in XX/XX/XXXX. I found another job in XX/XX/XXXX and shortly after, my husband 's health began to decline, which required me to pay close care and attention to him and also caused a strain on the limited amount of income we had coming in. I remained employed through my husband 's illness but he unfortunately passed in XXXX of XXXX which left me to pay for past due medical bills and funeral expenses which left me unable to meet my financial obligations. This journey has had an extreme emotional and financial toll on me and I have been working through it all to try to resolve the debt. I have submitted a full and completed short sale application to my mortgage servicer, and even though they offered me a short sale as recently as XX/XX/XXXX, they have refused to accept my application and still want to move forward with foreclosing. I have been through so much in the past 3 years and I don't want a foreclosure on my credit to be another thing that I have to deal with. I am working my hardest to get this resolved and need the auction to be postponed or cancelled so that I have the time needed to get through this process. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems Inc. ( www.transworldpayments.com ) continue to call my home, harass my family, and send me letters for a debt of {$120.00} for a medical bill that I paid over a month ago! I have shared the receipt, and yet they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: MS
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:
To the Consumer Protection Bureau, I am writing to bring to your attention a matter of great concern regarding my recent examination of my credit report. Upon thorough review, I have uncovered a troubling issue the presence of fraudulent accounts that I have no knowledge of. I have initiated the process of disputing these inaccuracies and fraudulent accounts, as none of the entries on my report correspond to any transactions I have ever made. It strongly suggests that I may have become a victim of Identity Theft. 

I am dismayed to report that this is the seventh time I am attempting to address this issue. It is disheartening to witness the persistent inclusion of this inaccurate information, which continues to violate my consumer rights. I emphatically request the immediate removal of these entries, as they egregiously misrepresent my credit report. 

I trust that you will give this matter the utmost attention and ensure the necessary actions are taken promptly to rectify this grave injustice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: UT
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, 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 non-monetary relief
Consumer complaint received 2018-04-02
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please be aware that we have read Mr. Cooper response to complaint # XXXX. We ask that time is allowed to have a housing counselor their legal department and our attorney advised us before signing documents we do not understand and did not agree with the terms, but have read the explanations behind them. Also be advised we do understand time is of the essence as this has gone on for many months, although the last hurricane ( Harvey ) played a role in this delay as well as reassessing our circumstances. As of today 's date, XX/XX/2018 an emergency called was placed to XXXX, a non profit agency working with consumers who are in a financial housing crisis to help collaborate with other housing agency and compare our situation with the modification we were approved for via Mr. Cooper. We expect to have this resolved in less than 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NJ
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:
Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed inquiries will be removed immediately : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation