BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint file against Nationstar Mortgage now called Mr. Cooper. The complaint is about the hazard insurance the lender obtained for the house located in XXXX XXXX. According to lender, they obtained insurance policy with {$1500.00} premium paid and asked me to pay for it. I sent them letter and told them I am not paying as I have complete insurance coverage for the property continously and no lapse or nothing. I sent the policy information provided to me by my insurance agent and confirming that the property is fully covered with hazard policy continously without interruption or lapse ofr that matter. MY insurance agent faxed to lender 's Insurance department the information about the insurance coverage of the property on XX/XX/XXXXbut lender failed to organize their records of receiving such faxed information. Now lender claimed not received the insurance information from my insurance agent, then obtained the policy with the insurer of their choice and now asking me to pay them for the premiums they paid. I sent them a letter to cancel the policy they obtained immediately and I have no obligation to pay them back. The property is fully covered with hazard insurance continuously without any interruption. My insurance agent, again faxed to lender the insurance coverage ( policy declaration page ) on XX/XX/XXXX. I also sent them insurance declaration page and confirmation of continous coverage that my insurance agent sent to me but there seemed to be questionable decision against accceptance of such insurance coverage on this propety. Please do something to curtail this kind of bad practices of lenders and their staff. It is business for them and bad for the victims of so many mortgage borrowers. Lenders ' staff are careless and negligent in keeping organization of borrowers ' communication to them as against mortgage loan borrowers. Thanks for your assistanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
2 issues : 1 ) The handling my mortgage servicing transfer by BSI has resulted in untimely escrow disbursements for property tax, despite notifying them of the required payment multiple times through multiple channels. They currently hold the required funds in my impound account but are not actioning my urgent requests to ensure they pay the delinquent property tax bill per my requests. I have notified them through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, The customer service agent has replied " We are processing your request '' or my account manager has said " I have escalated your request '' on each occasion without further providing detail when asked. I have also contacted BSI by phone on this matter weekly since XX/XX/XXXX which will show in their contact logs, including leaving messages with my account manager 's voicemail directly. I have been told it would be resolved in early XXXX ( it was not ) or advised to " keep calling back- I've escalated but there's nothing more I can do ''. The issue remains unresolved. 

2 ) My loan is eligible for a recast after 90 days of origination, which was XXXX XX/XX/XXXX. The eligibility was confirmed by my loan originator, XXXX XXXX XXXX, in XXXX. I requested a loan recast application on XX/XX/XXXX from BSI via secure messaging. I subsequently chased this due to no application arriving via follow-up emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was also calling weekly requesting this information from their contact center. Upon finally receiving the details to contact my Account Manager directly, I confirmed on XX/XX/XXXX the wire details to transfer the additional principal balance ( $ XXXX ) which I completed on that day. This was to ensure the recast would be completed and reflected on my XXXX XXXX monthly payment ( reducing this by over {$990.00} so a significant amount ). Subsequently, I have been calling twice weekly as will show in their contact logs and emailing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( the latter including their VP Client Services and Loan Manager ) to confirm the recast is completed in the timing outlined by the account manager. They have either not responded or have responded to tell me it's either 'escalated ' or 'processing for XXXX  XXXX '. It is now a week later, they have held my wired $ XXXX funds for over 4 weeks and the recast is not in effect and there is no confirmation of when this will happen. I have already incurred 2 higher monthly payments than necessary if the recast was effected when requested and eligible. I reported to the account manager and VP of Client Services and Loan Manager that I would be reporting a complaint to CFBP to which he responded " I understand if you need to file a complaint with he below listed authorities. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: MD
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 was alerted by my identify theft alert program, XXXX XXXX XXXX, that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX associated with the account. I have never done any business with XXXX I never authorized anyone to take out a loan in my name, and I have never been to XXXX. I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX XXXX Fraud Reference Number of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or XXXX later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that XXXX reported this account as delinquent and it negatively affected my credit score by XXXX points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with this agency on XX/XX/XXXX # XXXX Mr. Cooper submitted the exact same documents that was mailed to my address on XX/XX/XXXX. I requested a copy of the Mortgage Service Agreement. I am requesting that this agency investigate Mr. Cooper 's RESPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MI
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:
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 a account without my written instructions XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX  Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance $ XXXX  Monthly payment {$0.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged with a returned item fee of {$34.00} by Synchrony Bank on the XXXX of XXXX, 2021, however, I paid the remaining balance in full on the XXXX of XXXX, 2021.

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 2018-06-11
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I contacted mr. Cooper also known as Nationstar bank to apply for a refinance cash outloan. I talked with the lender and submitted all required documentation the lender. They inquired as to my reason for money to cash out on my property I indicated that I was going to be doing some update repairs or Renovations paying off past that with the funds. I was then emailed a quote which showed the amount that I would be receiving at closing in the fees associated with taking out this kind of loan the lender then indicated to me that because other borrowers defaulted on a refinance loan it would be difficult to get my loan approved. I was also required to send over pictures of my home and was also told that I would have to prove that I live in this home. I then contacted the lender again for specific reasons as too why my loan was being denied and was simply told oh we don't do those types of loans. on XX/XX/XXXX, I emailed the lender again asking for specific reasons as to why my loan was denied and they refused to respond or sent out any denial letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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.

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 2021-07-30
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I saw on my XXXX  Credit Report back in early XX/XX/2021 that my mortgage company, XXXX XXXX, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to XXXX using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to XXXX  that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called XXXX customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to XXXX. My credit score has taken a drastic drop since these two errors occurred. I used to have a 780+ score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. 

I have also disputed the error with XXXX, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: OneMain Finance Corporation
State: OH
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:
One Main Finacial shows up on my credit report as a hard inquiry on XX/XX/XXXX and XX/XX/XXXX. When I called on XX/XX/XXXX XXXX, They have no recrod of me applying for a loan or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company CREDIT COLLECTION SERVICE have contacted me in regards to attempt to collect a debt that I dont owe to them. 
I XXXX XXXX is the original creditor who didnt sign an documentation with CREDIT COLLECTION SERVICE and have no knowledge of an account with them and dont owe them anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: NC
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:
Their is an account showing with no creditor to be able to validate the debt. This is a violation of my consumer rights and it should not be reporting. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-02-01
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Several months back I opened a Citibank , N.A . Accelerate Savings Account. This morning I received an email saying that my account was being closed. I was also locked out of my online banking portal I called the number provided in the email and was routed to the fraud department. I verified my information and they informed me the account was being closed because of a check that was deposited - but they would not tell me the problem with the check that I deposited. I asked the representative if the closing of my bank account would affect my Citi credit card. He said something non-committal like " we are no longer servicing your account. '' I explained that I understood they were closing my savings account but that I was asking about my credit card account. He repeated " we are no longer servicing our account '' like he was on a script. I repeated my question about the credit card. We went around like this several times, and I asked him to please listen to and answer the question I was asking about my CREDIT CARD. Then the representative hung up. 

I then called the number on my credit card. That representative referred me back to the Citibank fraud department. This representative was only marginally more helpful. Specifically, this representative at least had the decency to explain that the reason my account was closed was that I deposited a check with an " unverified address. '' I explained that the check was written out to the address of another home I own where I used to reside. The representative said that the account had already been investigated and closed. I asked when I would receive my money back ( I believe the balance was around {$38000.00} ), and he said I would receive a check in 30-60 days. I asked what right Citibank had to hold my money hostage, and he said it was under the customer agreement. It is inconceivable to me that they can close the account for such petty reasons and refuse to return the funds immediately.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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