BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). A new application was submitted as we were advised by the lender as long as the updated information was received 15 days prior to the sale date - We were advised today they are denying the review due the information not being received 37 days prior to sale in accordance with CFPB - this is not a requirement of the CFPB it is a stated requirement of the lender and not stated in any regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

Inquiry XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Inquiry XXXX XXXX XXXX XXXX has violated my rights . 
Inquiry XXXX has violated my rights. 
Inquiry XXXX has violated my rights. 
Inquiry XXXX XXXX has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Recently, I submitted my dispute letter to your company via mail addressing the errors and mistakes I discovered on my credit report. It has been a few months already since I initially identified and disputed these inaccuracies, yet you have failed to fulfill your important obligation of adhering to the guidelines set forth by the Fair Credit Reporting Act. 

-- -- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-03-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My husband received a text stating " Free message : XXXX just attempted a transaction on your account? Answer Yes/NO, if it was not you, you will receive a verification call from our customer service number '' from XXXX ( XXXX ) XXXX. He answered " no '', and our XXXX account sent a {$1500.00} payment to his ex-wife out of our checking account. She then got a text asking if she was expecting a payment from him, she said yes ( we are paying her monthly {$150.00} for their daughter 's cell phone ), and then the funds were diverted to another account. I disputed this charge with my bank ( Chase Bank ). They initially credited our account with the stolen funds, but today they took back the {$1500.00} saying that the debit is valid because my husband approved the XXXX payment and it went to a person we've Venmoed before. This was around a month ago. XXXX said this is a common scam, but Chase said they will not give us our money back. They would not let me speak to the people who determined the matter, and they said I can only dispute the matter via fax or letter. They said they have sent me a letter in the mail with the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have previously raised concerns regarding XXXX and believe they are now discriminating against me with how they reported my Credit Scores based on erroneous information being reported by XXXX XXXX  which was paid off in XX/XX/2022 and has since been reported to XXXX XXXX Experian. However, XXXX has refused to update my Credit Report to reflect the appropriate Paid Off Status within " PAYMENT STATUS '' section of my Credit Report. XXXX was Paid and Settled and should be reflected accordingly, so my scores can be properly adjusted. 

Also, XXXX was paid and Settled and is not reflecting that it has been Paid and Settled in the " PAYMENT STATUS '' section of my XXXX Credit Report. 

Also, my XXXX XXXX account is also showing the wrong " PAYMENT STATUS '' with XXXX, Experian, & XXXX as this account was also PAID & Settled and should be reflected in the Algorithm which will update my scores and not only in a comments section of your report. 

Also, when I attempt to file a Credit Dispute with XXXX it is blocking me and not allowing me to file any type of Dispute or upload supporting documentation to validate my claim of erroneous, fraudulent, and discriminatory Reporting Practices. 

I am uploading my additional information from my FICO Report dated XX/XX/2022 which reflects where Experian and XXXX was updated for XXXX and XXXX accounts, as these accounts were Paid and Settled.

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 2017-07-05
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had this issue with Nationstar mortgage for a while now. They held funds in suspense not completing full payments during a time of XX/XX/XXXX-XX/XX/XXXX. 3 months later, Nationstar finally admitted fault for their inability to apply funds and corrected the payment history. I requested a verification of mortgage, bu the VOM was not corrected. Lacking a correction for the VOM, it stated that I was 30 days past due for multiple months. I have been trying to refinance for 9 months and this error on Nationstar Mortgage is inhibiting my ability to. When Nationstar went back into the payment log they held up 2 months worth of payments, which put me ahead in my payment schedule. It does not make sense that they still have not repaired my VOM on their clear mistake ... After countless attempts to correct this, Nationstar has drug their feet around on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX 2017, XXXX XXXX XXXX sold my mortgage loan to Nationstar with mt first payment to Nationstar being made in XXXX 2017. Nationstar is showing account delinquent for XXXX 2017 which XXXX XXXX collected. All payments were made to XXXX and transferred to Nationstar during the course of lender transition. Nationstar was provide all documentation by XXXX XXXX reflecting that my account was current. Nationstar / XXXX XXXX called me in mid XX/XX/XXXX apologizing for the error and indicated my account would be corrected. However, that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I forgot to attached the PDF Forms to my dispute to the response given by Nationstar Mortgage to my complaint case # XXXX. The PDF referenced RMA Forms. The RMA Form Nationstar sent me to fill out is fake. Is a fake Form to deceive me to request for assistance I did not ask for. So I am going to attach the REAL FORM AND THE FAKE FORM here. Pay attention to page 2. These attachments are for Nationstar Mortgage PLC. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Am victim of fraudulent unauthorized credit inquires performed by listed companies of FTC 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 2023-02-01
Company: EQUIFAX, INC.
State: NH
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:
On XXXX I did file a dispute online as well as submitted documentation via the Equifax web site. On XXXX I followed up with this Acton to ensure that everything was received to ensure the fastest most accurate service for myself. After roughly six minutes cooperating with a machine to reach an agent I finally prevailed and began speaking with someone who identified himself as XXXX XXXX. To my astonishment XXXX began telling me that in order to process a dispute on my behalf I would need to first begin paying for one of the companies offered services to be able to process such request and that they had not received any sort of dispute. I informed him that that was a very accurate statement that violated the FCRA. I then asked for information to identify what report the supporting documents I planned on mailing in to the agency I would need. He then told me that I needed to supply a copy of my ID front and back as well as a copy of my social security card with the document. Baffled I responded that this day and age no one in their right mind would send both identifying documents in the same envelope as that would be everything necessary to steal my identity. I asked for a member number, report number or reference number for my dispute to get the documentation out to the dispute. He again reiterated that there was no dispute so no reference number and they don't use any of the other numbers I was trying to obtain to facilitate this request. I then became very disgruntled and asked to speak with a supervisor as well as obtained identifying information about the individual I was speaking with to later report it as I am doing now. The supervisor 's name was XXXX and although he began speaking a foreign language when he initially got on the phone the conversation quickly turned around. Instead of having to send XXXX the information XXXX said they did not receive XXXX was very kind, courteous and understanding and made me feel at ease knowing I had already completed everything I had initially been told that I did not by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2006 I was scammed in buying this house, I didn't know that the XXXX women I was dealing with were scammers, they forced me to buy this house and they signed my name on different documents behind my back, i put all my money that I got from my accident into my house only to find out that XXXX XXXX put her name on my property without my knowledge and went on get loan my forged my name by signing documents that I didn't know was going on, the court gave the order for me to pay the bank and save my house and the bank is suing XXXX XXXX by to save my house i from foreclosure i need help please because I can't loose my house every cent i got is in this house if someone can please call me ill tell everything, all the attorney i got to help me just take my money and leave me, so the XXXX  gave me XXXX XXXX XXXX to take up my case, im not well because of the STRESS that im going through, XXXX XXXX is going to send you all the documents that you need to h

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A medical collection dated XX/XX/2020 from Radius Global showed up on my XX/XX/XXXX credit report. I had no prior knowledge of the collection. 

I did not conduct any form of business with the original creditor on XX/XX/2020 and do not understand why there is a debt. And, if I did have business with the original creditor on XX/XX/XXXX, there should not be a medical collection so soon after the visit. 

I neither received any written notice of the collection account, nor telephone call with attempts to collect the debt.

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