BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was given a homeloan by XXXX XXXX MORTGAGE XXXX of {$80000.00} and I was XXXX and receiving SOCIAL SECURITY {$600.00} /month.This loan was transferred to several banks that i can not keep up and did not know who really owns the note.This loan amounted to XXXX the amount of the original loan that made me difficult to make payments.I was advised by XXXX XXXX XXXX XXXX stop payment and i will qualify for HOME MODIFICATION, I follow the advice untill my arrears become so high and I was forclose and sold my property on auction XXXX.Nobody offered to buy my property and I was told that it belong to XXXX XXXX XXXX AS SUCCESSOR TRUSTEE TO XXXX XXXX XXXX BANK , XXXX , AS FOR THE HOLDERS OF XXXX XXXX TRUST XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX XXXX filed Bankruptcy Chapter XXXX hoping these bank will allow me to modify the loan, I was not given a chance to appear on XXXX hearing and the JUDGE XXXX XXXX UNITED STATES BANKRUPTCY JUDGE OF XXXX XXXX OF CALIFORNIA granted TRUSTEE MOTION FOR RELIEF FROM AUTOMATIC STAY .The XXXX hearing was held U.S. BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA., My rights as citizen and homeowner was violated.I was never given a chance to defend my self and that I have the physical possession of TRUST DEED, TRUTH AND LENDING ACT, AND ORIGINAL NOTE OR SECURITY INSTRUMENT in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: WSFS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Loan Number XXXX This complaint is involving WSFS Bank XXXX XXXX XXXX, XXXX, DE XXXX a second loan that was closed in XX/XX/XXXX for {$65000.00} with no prepayment penalty. Per my last statement dated XX/XX/XXXX my principal balance is {$620000.00}. Due to the high interest rate of the predatory loan at a XXXX. I looked at the option to refinance to a lower rate. I requested a payoff statement to refinance to a much lower rate. At the height of the covid19 pandemic I had a mortgage deferment of 6 months. My monthly payment for the loan is a total of {$490.00}. The breakdown is {$340.00} interest and {$140.00} principal. I resumed monthly payments earlier this year. The account is current on my behalf. The only payments that I should pay is 6 months of regular payments. WSFS is charging me a lot of extra interest fees, satisfaction fees, etc. When this loan has no prepayment penalty. This is predatory lending at its worse that continue to devastate our communities.

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 2023-12-15
Company: Ideal Collection Services, Inc.
State: NY
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 demand that the collection agency Ideal Collection service immediately stop reporting to the credit bureaus on a completely fraudulent debt. I am attaching the FTC report. The company can prove that the debt belongs to me only by the fact that they know my name and date of birth, they do not have any other supporting information, as well as my signature on the contract does not match my signature. I have never lived in Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX AV XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that Transunion, XXXX, and XXXX do what is legally mandated by the FCRA and FDCPA, and delete the account listing of XXXX XXXX. Transunion, XXXX, XXXX, and XXXX XXXX received a demand for validation from me. As of today, XX/XX/XXXXXXXX  they have failed to provide any proof from their investigation and/or validation of debt. I have sent multiple letters and disputes since XX/XX/XXXXXXXX Again, I have received no response but a copy of my credit report. Instead, XXXX XXXX is illegally updating my credit report as charged off each month with a balance due and remarks stating it was written off. The FDCPA states they must cease collection activity until they produce verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 12 months since it was requested. As per the FCRA, if no proof of debt exists, it may not be reported to the credit bureaus as they are required to report ACCURATE information. The FCRA also states that the credit reporting agencies must receive written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence as evidenced.

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 2023-02-15
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:
This is my first 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 alleged fraud or extortion. 
XXXX XXXXXXXX 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 response to consumer: Closed with explanation
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: 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX. Please update this account ASAP.

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 2022-11-02
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app allowed a user by the name of XXXX XXXX real name XXXX XXXX to use there platform to fraud consumers out of funds by pretending to be a fitness coach with a merchant account with Cash app as I used cash app at multiple vendors such as XXXX XXXX XXXX and have been able to get a refund for products not delivered how ever at this time cash app has ingnored my request to start a dispute in regards to the fraudulent charge Ive also requested a manager call me to discuss the issues and find a resolution since my cash app account is federal insured and should follow all consumer right law but hasnt done so and is completely allowing a person to use there platform to commit theft and fraud I ask you investigate this transaction alongside the companies dispute department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 Fox Collection Center made false statements as it relates to my complaint. 

They stated quote, We have explained several times that we have to verify information to ensure that we are not sharing personal information with the wrong person. We are following the law. Thank you. 


Fox Collection Center is sadly mistaken as it relates to providing a response through this agency ( CFPB ) Providing a response through other agencies like the XXXX  is unfortunately not sufficient and FCC is obligated by law to provide and prove a response through the CFPB to the consumer that proves the debt is validatied. In your response, you have stated quote, " We have explained several times that we have to verify information to ensure that we are not sharing personal information with the wrong person ''. This is the first time that I have received any type of response through the CFPB. Fox Collection Center is more than welcome to present any evidence that they have that proves they have sent any response through the CFPB that explaines several times that FCC have to verify information to ensure that you have not shared personal information with the wrong person ''. 


Fox Collection Center also failed to provide the date in which I found my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XXXX XXXX, I sent a letter to XXXX XXXX opting out of two account reporting. They have not responded or complied.

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 2022-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar mortgage co. play a game with me for four years, I can pay, but they do not modify the mortgage. The account number is XXXX. I was robbed from many sides and my house was damaged and my XXXX was destroyed, so I could not pay for few months. I could pay after that, but they said I should apply for modification. Four years they played a game with me and collect a lot of late fee and attorney fee and now because I have a lot of equity in the house they want to forclose the house that I live in for 16 years. I am XXXX years old and worked 45 years as XXXX. I can pay now, but they want the whole money and do not coopeate and or make modification. I paid also a co. for reverse mortgage, but they sharge money and they did not do the reverse mortgage. It is not fair and just as I was robbed and they misused my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
I have an auto loan with the Westlake financial, my car had an accident and it was a total loss. My insurance paid the westlakes financial in XXXX. I have also paid and the payments do not appears in my credit report. Westlake has not report the payment to my credit report.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with 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 non-monetary relief
Consumer complaint received 2022-11-02
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX  accounts have reported inquires that are not mine. 

XXXX XXXX XX/XX/XXXX XXXX has violated my rights. 
Amex XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX XX/XX/XXXX XXXX NOT MINE! 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX NOT MINE! 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX Nationstar Mortgage company bought my loan from XXXX XXXX XXXX. I did n't realize that my mortgage was being sold, my fault. Ever since they bought it I have had nothing but grief from that company. The balance in XXXX XXXX was {$68000.00}. The balance now is {$64000.00}. They sent me a letter dated XXXX/XXXX/XXXX saying that I have overpaid my Escrow by {$380.00} but because my escrow was changing they were raising my Loan payment by {$40.00} to cover the escrow this year. My taxes have lowered and no change in my insurance. I found out today that the insurance company that I have now is affilated with Nationstar called XXXX XXXX XXXX XXXX. I have made calls to Nationstar and the XXXX. XXXX XXXX. I got " call your insurance company '' from Nationstar, so I did. I got a representive from the insurance company who did alot of double-speak she admitted that My insurance had n't changed and to call Nationstar and gave me the same customer service number that I called. I applied for refinance with Nationstar in XXXX XXXX. They kept saying they would get back with me. 90 days later I was so fed up I told them I did n't want to refinance. The next thing I know I get the letter about increasing my monthly house payment. I am a XXXX citizen and am thinking about retirement. This arguing with this Mortgage company is getting upsetting for me. Can you tell me if this is a real company and if they are honest or not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I went to a dealership back in 2021 to buy a used car. I allowed the dealership to run my credit and I was told the best option available to me for a auto loan was Wells Fargo at the time. I was desperate for a vehicle and decided to take the auto loan. Since I've had the loan I have come to realize that I have a extremely high interest rate. I have been making payments on time for 2 years now and would like to trade the car in. Unfortunately because of Wells Fargo extremely high interest I still owe to much for the vehicle and I am unable to trade it in for another. I am constantly receiving offers to refinance or trade in my car but once I mention the payoff amount I get denied because of the high interest. I would like to lower my interest rate to a average or fare rate or at least be allowed to transfer my loan to another company that is not taking advantage of hard working reliable people such as myself

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 2023-02-28
Company: Experian Information Solutions 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:
There is a XXXX XXXX  account that doesn't belong to me, yet it is showing up on my personal consumer report

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report from XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite my prior attempts to address this issue with TransUnion, the inquiry has not been adequately investigated. Therefore, I request its immediate removal from my credit report. 
The FCRA grants me certain rights as a consumer, which I want to emphasize : 1. Right to Accurate Information : The FCRA entitles me to have accurate and current information reported on my credit file. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA mandates credit reporting agencies to conduct a reasonable investigation when I dispute any information on my credit report.

4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment concerning my credit information. 

It is evident that TransUnion has not fulfilled its obligation to properly investigate the inquiry from XXXX, resulting in inaccurate information on my credit report. I urge you to take immediate action to remove this inquiry to remedy the violation of my FCRA rights. 
Kindly provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, 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