BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: WY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This started in 2017. My father and I were doing just fine making the payments on yhe house and then my father was injured and ending up in the hospital and ended up passing away. I then started speaking with XXXX XXXX XXXX  in regards to assuming and modification of the mortgage on my fathers house. So I filled out the application they had sent me and and sent them all the documents at the time they requested. This process continued to go on every month almost with them until Citizens bought them out. I now have been doing the same exact process with them, filing the application, sending them documents and then them saying they don't have everything and sending them the same documents I had already sent. This has happened pretty much every month because they end up stating they didn't receive all the documents and they close my file out and require me to go through the whole process again. I ended up getting another company involved that I have paid to help me to see if I would get anywhere that way but they have continued to do the exact same thing. Its to the point where it is getting absolutely ridiculous. Half the time one department has no idea what the other department is doing or has or doesn't have. 

Also, at the beginning of this process in 2017, I had requested a payout to bring the mortgage current and contacted them to see if they would work with me on the amount. Well the gentlemen I spoke to told me I had to contact the attorney and they could do that. I contacted the attorney numerous times with no call back and then finally reached them and was told the mortgage company was who I needed to speak to. So I was passed back and forth numerous times. Then found out from XXXX XXXX with the VA that neither one has that authority only the VA can decide that. So they wasted almost 2 months of time on my file giving me wrong information.. 

So needless to say with both of these companies, XXXX XXXX XXXX  and now Citizens I have been giving the same exact treatment and put through the same stuff each and every month. When they were staying that they hadn't received documents we resorted to mailing them certified with return receipt requested and they were signed for and still they stated they had not received them.

So, I am asking that this mortgage be allowed to be assumed and modified by me and to quit being put through a bunch of unnecessary XXXX. Also, I would like a formal apology from Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. I was never late in XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anu purpose. I request to have this account updated to paid on time.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I received notifications that chime reported a past due delinquency of XXXX $ for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX $ to my credit builder account and transferred XXXX $ out of the account on XX/XX/XXXX. I have XXXX emails with chime trying to resolve this issue since XXXX. XXXX  responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX admitted a error occured and the delinquency will be removed when my credit report updates, I told chime my credit updates in real time and Experian, XXXX and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. chime is refusing to acknowledge the fact the XXXX $ I owe is a error, on XX/XX/XXXX I added XXXX $ to my account on XX/XX/XXXX I transferred XXXX $ out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXX $ I called XXXX  and they stated it was an error I dont owe anything. Please have XXXX provide proof that I owe the XXXX XXXX You can not say I owe XXXX $ in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXX $ from XXXX, my account had a XXXX balance. my credit XXXX XXXX account was never a XXXX  balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported chime to the BBB. XXXX stated to the XXXX upon closure XXXX $ was debited and posted to my account. XXXX. I attached the statement of that, XXXX is falsifying transactions. I did not have a XXXX XXXX  balance on my account before closure or on closure day, there wasnt a negative balance sure.

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 2023-09-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
BMO bought Bank of the West in the first week end of XXXX I paid the remainder of my rent for XXXX but my account was short {$68.00} I have overdraft draft protection so I called my landlord to notify it would be ok. BMO returned my check for insufficient funds. I called 3 times to correct it. I emailed them from work. I was told I do not have overdraft protection. Because of this error I was charged a {$50.00} late fee and got a 3 Day Notice to Pay or Quit. I changed my direct deposit to XXXX XXXX  because I don't trust this bank BMO. I want a resolution.

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 2017-05-09
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i was informed of this debt in   XXXX   XXXX   they said i started an apartment lease with centerport landing apartments in forth worth i have tried several times to get information inregards to the lease. the lease is not mine and they keep telling me it is. I have sent several letters and the FTC identity theift report plus a police reports.   i need this off my record and have my name cleared

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Barclay card " https : //www.barclaycardus.com/servicing/ '' My Balance due date is   XXXX / XXXX /2017, I PAY OFF the BALANCE on  XXXX / XXXX /2017 and wait to clear my account and close on  XXXX / XXXX /2017 without any more charge and use. But Barclay does n't close on that day with   XXXX   Balance and continuous charge me {$7.00} and do n't close until  XXXX / XXXX /2017.     It is unfair to charge customer  with  XXXX  Balance with  an account has no Maintenance fees.

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 2021-10-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: LA
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:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother and I applied for a mortgage loan in XXXX. The mortgage company we applied to was XXXX XXXX XXXX. In the beginning, we would receive a statement from XXXX XXXXXXXX XXXX for the amount due each month. The company was acquired and transitioned to Nationstar Mortgage Company in XXXX. 

After the transition, we no longer received any paper statements. We were not notified as to the reason for this paperless transition. We had to call the Nationstar Mortgage Company ( aka Mr. Cooper ) for the amount due every month. We only started  receiving notices via email from Nationstar Mortgage Company the year XXXX notifying us of payment amounts due by certain dates in order to avoid a late charge. With this being the only information we had, we sent checks for the requested amount every month prior to the due date. This year, we discovered that weve been charged late fees every month since the transition started in XXXX. 

With no statements provided nor any notice that explained all of the charges, we were charged thousands of dollars in late and hidden fees over the years. Nationstar Mortgage Company has failed to  provide us with any notice of our mortgage balance. We were charged late and hidden fees without notice even when we paid the requested amount provided by the emails. With limited balance information from Nationstar Mortgage Company and due to our language barrier, we did not discover the hidden fees until we downloaded the Nationstar app recommended by our accountant.

After multiple attempts to get in contact with Nationstar Mortgage Company, we were finally provided copies of all the statements ( see attached for all hidden and late fees ). We scanned and  attached copies of the statements that were mailed to us on XX/XX/XXXX. Weve also provided a copy of one of the emails that we received from Nationstar Mortgage Company in regard to payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Cascade CISS Holdings, LLC
State: VA
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:
There are four incorrect fraudulent and unathorized hard inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit plus XXXX XXXX XXXX ( number does not even work ) I have not applied for any line of credit from these companies. i already have an account with XXXX  so there would not have been a need for me to apply for more, plus my credit score was low in XXXX so i would not have applied. XXXX said that they do not have an application for me so no record of any inquiry but it is on my report. XXXX  " XXXX '' - name of representative said he emailed his supervisor to have it removed and it has not been removed. Credit plus i did not apply for any credit from them. I would like for these companies to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello my name is XXXX. I recently had a change of mortgage companies. My original loan was with XXXX ; XXXX XXXX XXXX. Ive always paid my mortgage through the automated service which is linked with my bank account. There is no fee and its not set up for autopay. I would simply call around the time my bill is due and submit my payment. Yesterday i called XXXX on XX/XX/XXXX and they did not accept my payment because they sold my loan to a new company which is Mr.Cooper so i then called Mr.Cooper and they are charging me {$14.00} for the same transaction which has always been free for me. Why am i now obligated to pay this new fee every month! Please help. They have forced a new bill on me which wasnt my choice. My options have now changed because of this. Also i dont want autopay set up. There is no charge there, but its not an option i am interested in. I dont mind paying my mortgage but why this high fee? Id like it to be removed or it reduced dramatically.. maybe {$2.00} but still ive never had this fee. Companies shouldnt be able to charge a new or higher fee then the previous company. It just isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
XXXX XXXX is illegally checking my credit. I have not given them permission to check my credit and this is the second time XXXX XXXX has checked my credit without my consent. Also XXXX XXXX is still showing on my credit with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone open accounts using my identity as listed below se '' Account name ICS Systems COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Recent balance {$690.00} for XXXX as of XX/XX/XXXX. Service Date account opened XX/XX/XXXX. XXXX status in XX/XX/XXXX. In addition this same collection, placed another claim on my credit for XXXX XXXX in the amount of {$470.00} during the same time frame, which I was stationed in XXXX. This has been occurring since XXXX, every 3-4 months since I returned stateside as military member. These utilities are obtained at the address I never resided in the XXXX XXXX XXXX, Mo. I contacted ICS and informed them of the identity theft and the recurring of these services in my name at the same address. Also these accounts were transferred to them previously for collection. I spoke to XXXX and informed them that identity theft had occurred again for the same address using my PII, and addition name, XXXX XXXX. I requested XXXX to remove this name and address in question, XXXX Nebraska from my credit, due to the fact this is not my name nor my address. XXXX and XXXX, XXXX XXXX XXXX XXXX, TX XXXX acted very swiftly removed this erroneous information but XXXX failed to comply with my request. Unable to upload the police report after the fact when initiated the dispute and they could not assist. Will send XXXX a hard copy

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 2023-05-19
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:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

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 2023-01-03
Company: EQUIFAX, INC.
State: IN
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 sent the credit bureaus a letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors 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 2021-07-06
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have spoke to multiple branch manager of the years at Suntrust. I was never late on my mortgage. they reported I was late when they failed to electronically withdraw the payment from my online savings account. Please have them provide statements to show the monies were in the account to pay the mortgage,.

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 2022-12-30
Company: Experian Information Solutions Inc.
State: NV
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:
Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, EXPERIAN is now knowingly in violation of the FCRA and is not taking steps to correct that violation. they CONTUINE TO Violate MY PRIVACY ADN REPORT INCCAURATE INFORMATION ON MY CONSUMER REPORT I have attempted multiple times to have EXPERIAN reverse the erroneous delinquency filing and they have refused to do so on each occasion. They never sent me proof of validation and continue to report and share incorrect information defaming my charter and causing emotional stress

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 2021-10-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In 2017 I was contacted by a company called XXXX about installing XXXX in my home. 

They recommended Enerbank to do the financing, I was told that total would be about XXXX And no money would be paid out until I signed off that the installation was complete. A date was set for the work to be signed off on the day before that date the bank contacted me to sign off that the work was complete. As they installation was not completed I did not sign The equipment was taken off my wall and roof and EnerBank started contacting me for payment on XXXX. I asked them to send me a complaint form to no avail. I was told that they were closing my case. They started messing with my credit, also my wifes credit they have dropped our scores by as much as 30 points

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