BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am writing to you today so that I may receive some assistance regarding my mortgage with Mr. Cooper, previously known as Nationstar. I have two ( 2 ) complaints that I would like to seek some resolution with or at have least addressed.

( 1 ) In XXXX, I took part in the HAMP program. At this time, I had been divorced from my husband since XXXX, as part of our divorce decree I was mandated to seek financing that would remove him from the mortgage. I explained this to my Nationstar mortgage consultant who helped me obtain my HAMP. It was expressed to me that this could be accomplished, but that I would have to provide ; copies of the divorce papers, and that we would only use my income for this to happen. I also believe that my ex-husband had to sign a notarized statement stating that he no longer was responsible or had an interest in the said property. All of this was complied with. So, I was very shocked to find out last year that he was still listed as a co-borrower on my mortgage, and he was even more distressed than I. I dont understand how this can go both ways. Either he should have had to sign and show proof of his income also in order to be part of the program or he should have been removed. I dont believe you are legally able to modify a loan agreement and exclude a party. I would like his name removed as co-borrower. 
( 2 ) HAMP, pay-for-success incentive program. I did receive a letter from Nationstar regarding the requirements for this program I had complied with all of the components of the program to receive the incentive. Basically, you need to be in good standing, not paid off the loan. However, there is also a document that need to be signed a form XXXX. Nationstar provided me with this form in XX/XX/XXXX. As the time approached to submit the form in a timely manner I was in daily contact with Mr. Cooper, because my ex-husband really wanted me to get his name off my loan ( as referenced above ). I brought this letter to my Mr. Cooper representative a. Because the deadline was approaching to submit the form, and b. Because I told him I would like to postpone the refinancing process, in order to collect the incentive. XXXX XXXX told me that I had already received any incentive that I had coming to me and that I should not submit the form. I am not saying that he was trying to deliberately misinform me but by relaying improper. information to me he in fact did. I know that Mr. Cooper records conversations so I would believe that they have this conversation saved. I would like to show by providing the amount of emails sent to me from Mr. Cooper and/or representatives of Mr. Cooper from late XXXX until XX/XX/XXXX, with no mention of this form XXXX or additional incentives available to me that they did not provide timely information regarding this program. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: WELLS FARGO & COMPANY
State: IL
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:
On XX/XX/2021 Wells Fargo received a Cease and Deist by certified mail. Attached is the proof of delivery, cease and desist and invoice. Wells Fargo is to cease and desist all forms of communication with me through all mediums. A consumer report is in fact a medium. And by reporting the account it is a indirect communication. By not deleting my account from all credit reports, Wells Fargo is in direct violation of my Cease and Desist.

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 2023-07-06
Company: EQUIFAX, INC.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have six accounts on my credit report that are not mine they do not belong to me I have not opened these accounts I dont know what they are for I need them off my credit asap!!!

DEPT OF EDUCATION/XXXX  - Acct # XXXX Amt {$0.00} DEPT OF EDUCATION/XXXX  - Acct # XXXX Amt {$0.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1900.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$1400.00} XXXX - Acct # XXXX Amt {$310.00}

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 2020-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened a capital one account that advertised no interest for 18 months. The billing statement indicated no interest charge for XX/XX/2020 and I proceeded to pay off the account but was still charged XXXX interest without being notified that I would be charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX our home loan was modified using the HAMP program. The lender offered two pay to perform benefits. One would be {$1000.00} per year for the first five years for a total of {$5000.00}. Second is a principal deduction of {$26000.00} per year for the first three years for a total of {$79000.00}. This full credit should have been completed XX/XX/XXXX. I would like to point out that this loan agreement has been signed and notarized by both parties and filed on the property. 

As of today, we have received {$4000.00} credit for the $ XXXX/year and {$0.00} of the $ XXXX/year principal reduction. These terms are stated clearly on the HAMP agreement filed on the property dated XX/XX/XXXX, page 4, paragraph 1. It also stated clearly on the HAMP offer from NationStar dated XX/XX/XXXX, page 3,  paragraphs 1 and 2. 

I called Mr. Cooper ( formerly NationStar ) several times asking about the $ XXXX/year and have been given the runaround. Here are my notes on the calls : XX/XX/XXXX - Spoke to XXXX at Mr. Cooper. Was told that two {$1000.00} ( XXXX, XXXX ) were on record but nothing on $ XXXX/year. She was sending an inquiry to pay to perform department. 

XX/XX/XXXX - Spoke to XXXX ( in AZ ). Inquired again about credit noting that it shouldve been completed in XXXX and that it was two years past due. I was told that it was a typo and that I would only get the $ XXXX. Transferred to XXXX XXXX, supervisor ( x XXXX ) and told it was being reviewed by pay to perform XX/XX/XXXX - Received letter showing credit of {$4000.00} for pay to perform incentive. 

XX/XX/XXXX - Left message for XXXX XXXX. Call returned and he stated there has been no feedback on my inquiry. 

XX/XX/XXXX - Spoke to XXXX ( in AZ ) as XXXX is now unavailable to take my calls. He told XXXX he will email me. After some heated complaints of all the emotional distress Ive experienced dealing with them I was finally given to XXXX XXXX. He stated again that he did not have an answer. He said something about the documents being reviewed. 

Overall, getting a HAMP loan has been an extremely stressful process on us. We had to hire attorneys to get it in the first place. Now Mr. Cooper has made it clear that they have no intention of honoring our agreement ( that they offered ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: TX
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2019-08-06
Company: LEXISNEXIS
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:
I spoke with a CFPB intake agent this morning. I think her name was XXXX. My call was dropped so I don't know whether she has submitted any type of report already. 

I think it was XX/XX/XXXX or XX/XX/XXXX that I called XXXX because my insurance reates had gone fro $ XXXX  monthly to more than $ XXXX   monthly in the past year or so. I was told that they were just normal rate increases. I called XXXX to get a quote and the rates were much lower. I told them I would switch and they had me hold on while they ran a report. I later learned this was a C.L.U.E . report provided by Lexis Nexis. There was an accident report that belonged to someone else named XXXX XXXX along with another incident that was a hit and run for a rental car that was mine but no claim was filed. 

I declined the much higher rate because of the report and was told I would receive a report shortly. I received the report dated XX/XX/2019. 
The report contained an accident from a XXXX XXXX whose address is XXXX XXXX, with a different insurance company. Not my accident! 

I received a credit report from Lexis Nexis dated XX/XX/2019. This report included 43 additional mistakes on my credit report including the wrong SSAN ( they even provided me with another XXXX XXXX ' SSAN ), wrong addresses, phone numbers, insurance companies, Assessor Records, deed records, marketing records, email addresses and business association records. 

The amount of mistakes is staggering. These are well beyond data entry mistakes. Why are they sending me the SSAN belonging to the other XXXX XXXX? And what about my personal information that is probably on his or someone else 's report? Not only and I am paying higher insurance rates because of this company 's errors but there is apparently no concern for the handling and care of my very personal information or others indicated on my report. There must be thousands of people named XXXX XXXX. So data entries should be made by unique identifiers such as SSAN 's. This is obviously not happening at Lexis Nexis. So I am additionally concerned as to where else my information might be located and there is no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I XXXXXXXX XXXX have a PayPal credit card Account Number : XXXX XXXX XXXX XXXX. 

For over 18months I attempted to contact someone at Synchrony Bank to help me adjust or lower my interest rate at the beginning of the Covid debt relief act. I am struggling to control the account because XXXX XXXX of my payment applies to interest. For example when i make a payment of {$90.00} ; {$57.00} applies to the interest and {$33.00} principle. This is a very unfair business practice. From my original XXXX claim in XX/XX/XXXX which i receive no response or acknowledgement from PayPal forcing XXXX to close the case. I have paid an estimate {$1000.00} in interest. 

I am asking for an interest credit or reimbursement, throughout the entire pandemic although i applied for the covid debt relief I continue to pay my monthly payments which was my responsibility.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 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 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 2018-07-12
Company: NATIONSTAR MORTGAGE LLC
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: Account status incorrect

Complaint:
I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. 
On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, P.C.,XXXX XXXXXXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct, ( XXXX ) XXXX-efax, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a Ms. XXXX XXXX on XX/XX/XXXX. 
I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Mr. Cooper is a brand name for Nationstar Mortgage LLC. Nationstar Mortgage LLC is doing business as Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper. I have a payoff quote issued by this company on XX/XX/18 that clearly states that the amount of {$60000.00} for the pay off was good through XX/XX/18. However, upon selling the property they told the titling company a completely different figure, {$61000.00} that was {$730.00} higher than this quote. They are refusing to honor their quote. Spoke to XXXX at the escalation department. Additionally, they claim that they may take up to 30 business days to process the payoff ; however, their quote has language stating that any over-payments will be disbursed no later than 20 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: VA
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:
Only on my experian report there are few problems which i tried to fix from last two years and its not fixed as of not. 
four accounts which are not mine and experian doesnt let me dispute 1. XXXX XXXX XXXX XXXX every month is XXXX, XXXX XXXX says i dont owe them anything and they are not reporting 2.XXXX XXXX XXXX XXXX of XXXX acoount isnt mine and need to be deleted 3.XXXX  XXXX XXXX have wrong information and experian doest let me dispute 4. United State Senate XXXX  account has lot of wrong information from last 5 years and exprian doesnt let me dispute to correct. 
5 only name i use is XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX. 
experian doent want to fix it only address from last 12 years i use is XXXX XXXX XXXX XXXX va XXXX and experian doesnt want to correct these information too

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: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX .... has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.

Company response to consumer: Closed with explanation