BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company, Nationstar, is claiming we missed a payment and is sending us email messages and leaving voice mail messages warning us of a possible foreclosure. Our mortgage payment is automatically transferred from our bank account to Nationstar each month, so we know we have n't missed a payment. We have called XXXX different times trying to clear up this issue. The first call we talked to XXXX and she said she would look into it. Two days later on the XXXX call XXXX suggested we FAX them our bank statements to verify the payment was made. We FAXED them that day. On the third call XXXX told us they did n't have a record of us ever calling them, but she would create XXXX. On the fourth call they told us they it would take a few days to review the FAX. On the XX/XX/XXXX call XXXX told us they never received the FAX. On the XX/XX/XXXX call to their call center XXXX was n't sure what the problem was and offered no solutions. Meanwhile we are still receiving email and voicemail messages telling us our mortgage is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was enrolled in Chase Sapphire Banking 's welcome promotion in XXXX. The term was 'Transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain that balance for 90 days. ' to earn XXXX Ultimate Rewards Points bonus. 

I transferred more than {$75000.00} ( through cash and investment account ) at the end of XXXX and maintained that balance more than 90 days till XXXX. During that process, I called multiple times before and after the deadline, to confirm that I am eligible for this bonus and was told I should just be patient with the points being deposited to my account in XXXX. 

I waited and waited and finally gave them another call in the beginning of XXXX, because I do not see the points being deposited. And was told that I didn't meet the requirement because my balance reached below {$75000.00} for one month. I asked for a internal dispute as I never moved money out of that account during that period. They promised to reach out within 5 business day with the result. As of XX/XX/2019, 10 business days later, I still have not heard from them. I am disappointed in the level of service provided by Chase but more importantly how they failed to honor their promise over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has appeared on my credit report. This account, which is associated with my ex-husband, was opened without my knowledge or consent during our marriage, and I was unaware of its existence until I recently reviewed my credit report. Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Opening : XX/XX/2021 Balance : {$1700.00} I have attached documentation, including divorce decrees and separation agreements, which clearly demonstrate that I have no financial responsibility for this account. Furthermore, I have not authorized or benefited from this account in any way. I respectfully request that you conduct a thorough investigation into this matter and promptly remove this fraudulent account from my credit report. Additionally, I would like to receive a written confirmation of the actions taken to rectify this issue. Please let me know if you require any further information or documentation to facilitate this investigation. I appreciate your prompt attention to this matter and request that you resolve it as soon as possible. Thank you for your assistance in rectifying this situation

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are 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 account below : XXXX XXXX Balance : {$22000.00}, XXXX  XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}

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 2019-06-23
Company: College Assist
State: CO
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:
Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called XXXX XXXX to inform them of how the loan was being processed and was transferred three times. What is that about!?! Sounds like a problem! 

I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-11
Company: Nationwide Credit & Collection, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was surprised to receive a medical bill from XXXX XXXX XXXX XXXX for {$170.00}. The bill says my son took a XXXX test on XX/XX/20 and over two-years later, I received this bill. My son was attending college in XXXX XXXX at the time and travel was restricted so I assume he may have taken a XXXX test nearby his college. The XXXX XXXX  billing address is XXXX XXXX XXXX, XXXX XXXX, MO XXXX. We pay our bills every two weeks so my issues are : 1. I may have already paid this bill and I don't retain medical billing statements for two-years. 
2. Considering it took XXXX XXXX XXXX over two-years to send me a bill, I do not trust its record keeping and this bill could have been sent to me in error. 
3. I researched a California law that says a medical provider must send out bills within 12-months. 
XXXX XXXX XXXX transferred this bill to XXXX XXXX XXXX and threaten to ruin my son 's credit. So I will pay this bill under duress. But, if my reasoning is correct, I would want a full refund. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: PLATINUM HOME MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 furnish an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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 status incorrect

Complaint:
I have a vehicle that was pd off a yr ago and have the proof of it and there saying I owe XXXX West lake financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I oppose the findings you wrote about my complaint, you failed to address any of my concerns, especially the one that I can not afford the repayment plan. I filed a second complaint because I feel that the following points that based my complaint was totally missed and all you did was make yourself look good in the eyes of the Consumer Protection agency. 

In my second complaint, I let them know that the repayment plan is a total mistake, it was based on wrong information such as income and expenses. 
I emailed SPS a new income and expense worksheet which they totally ignored. 
Another factor is that SPS totally ignored my hardship, currently I am suffering from XXXX and XXXX  XXXX XXXX which caused my income to decrease, SPS did not even mention this. 
They never addressed the facts in why my assistance was withdrawn and why I am ineligible for other options. 
SPS never offered me any new plans or options for me to keep my home, all they do is blame it on the case and desist letter, but the fact is that they keep emailing the same old dumb letters that are absolutely worthless. All they are doing is emailing me repeat letters every day of the week. I send them all back because they do not offer me any kind of hope. 
Why did SPS not honor my XXXX assistance application which has now impacted my life and well being Finally, I think SPS is setting me up for failure and wants me to accept a repayment plan that is incorrect and based on wrong information. I can not accept this plan when its constructed wrong. 
All of these delays are adding extra stress which I do not need, why doesn't SPS offer me a new option so we can resolve this issue as soon as possible. 
If XXXX rejects this complaint, then I forced to keep on writing to them and other agencies, see attached complaint letter.I am suffering from XXXX and received the attached XXXX letter that SPS does not offer any help ( see attachments )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: SANTANDER HOLDINGS USA, INC.
State: AE
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:
Unauthorized credit inquiry on my credit reports on XXXX XX/XX/ 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've spoken with representatives from this company at least 2 times per month beginning XX/XX/XXXX. They offered me accommodations due to Covid-19 by moving my due date and allowing payment arrangements until account is caught up prior to my account becoming late. 

PURSUANT to the federal cares act 15 U.S.C. 1681 if a furnisher was offering accomodations prior to an account becoming past due, the creditor/furnisher must continue to report the account as current. 

XXXX did the opposite. They reported false, inaccurate info to the XXXX major credit bureaus in XX/XX/XXXX and now because I filed a dispute with the credit bureaus they have now retaliated against me and reported past due in XX/XX/XXXX, as well. 

This is illegal and in violation of law. I've spoken with XXXX and advised him of the law ( Cares Act ). 

XXXX has refused to continue to report my account as current affecting my XXXX XXXX and the ability for me to get Financial assistance from the XXXX ( XXXX XXXX XXXX ) due to a XXXX point drop in my XXXX XXXX. 

This is my final attempt before filing in federal court.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2023-09-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
To whom it may concern, i previously filed a complaint they keep saying its not for them and they reject them. I do have an account t with them they have even acknowledge received and claim that they will give me an answer by XX/XX/XXXX a day after my foreclosure auction. Unbelievable all they want is to keep my house. I will attached copy to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: AE
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:
Unauthorized credit inquiry on my credit reports on XXXX XXXX 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: MO
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:
On XXXX report the orginal credit is not listed but is listed with Equifax this is a discrepancy and is in fact a violation of the FCRA guidelines and must be removed immediately from both credit bureaus. 
This public record of bankruptcy was removed and added back to my report the same exact day, which cause my score to decrease by 32 points. This is a discrepancy and inconsistent information and is in violation of FCRA guidelines therefore you must remove this from both my reports increasing my score. 
XXXX and Equifax showing XXXX XXXX for XXXX status ( open ) but for Equifax and XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from all 3 repYou are showing XXXX XXXX for XXXX status ( open ) but for XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from both reports/bureaus.orts/bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: AR
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 168XXXX. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX All the XXXX accounts. I dont have the account numbers because I didnt get them. They arent mine and I dont know why they are on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit. They have not report my payment since I have a made half of payment on my credit card. {$1000.00} I had made XXXX payment. They are also reporting late payment on my credit card for making a lower {$25.00} payment after loosing my job. This cause my credit to go down by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get my annual free credit report since XX/XX/2022 I have been put through hoops trying to get this report time after time I have repeatedly sent documentation such as my State Identification Card pictures and social security card pictures along with mail from my resident with my name and the address on it that matches my State Identification Card and yet they refuse to send me my FREE annual credit report this has slowed down my credit repair process extremely!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Ability Recovery Services, LLC
State: NC
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 XXXX XXXX XXXX : XXXX ABILITY RECOVERY SERVICES , LLC : XXXX has violated my rights. 
XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A1 ) 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 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