BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have received instructions from Nationstar that I have to place a property into XXXX so that it can go to auction. We already have a purchase contract on the property and have submitted it for review of a short sale to Nationstar. How does adding time to the short sale review process by placing the property in auction benefit the consumer. It potentially could make the current buyer walk and we are then at risk of not getting any other offers. Now the seller has suffered as he has no buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I contacted Experian 30 days ago via certified mail about the information on my credit report that was not accurate. I sent them my credit report I got from them with the section highlighted that was inaccurate. I also sent them a copy of the information from the Pacer court system to collaborate on the errors. I asked them to delete it according to the Fair Credit Act. So far no response.

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 2015-04-28
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
nation star mortgage ( XXXX ) continues to call my work number ( XXXX ) at all hours of the day. I have told them I have no business with them and that they have the wrong number, yet, they refuse to remove my number as only " the customer can do so ''. They have a call center in the XXXX that cvalls at least XXXX times a day. I feel harrassed. I DO NOT HAVE A LOAN WITH THEM.. why cant they just remove my number? I asked for a supervisor or a manager and he was on break ; was put on hold for over XXXX and nobody ever came back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1. Missing paper bill. I knew i had a payment due and kept waiting for it to arrive in the mail. When i called customer service, it was very difficult to get an agent on the line. The auto system stated my next payment was due next month, with no mention of missed payment or past due amount, purposely leading me to believe nothing was amiss and no mention of fees and interest charged 2. The previous month, I sent a paper check way before due date, and payment was not processed until after past due with fees and interest Therefore 2 months in a row i was charged due to their delay in processing paper payment, and them not sending paper bill. I have impeccable history in paying other cards timely month after month for years, so this is not user error. Lastly their automated system is deliberately misleading portraying next payment due on the regular due date, with no mention of overdue amounts

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 monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reinvestigated my credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to revalidate 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 XXXX XXXX XXXX {$1000.00}

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 2023-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/2022 I attempted to call PORTFOLIO RECOV ASSOC in an attempt to clear this debt and i was told by XXXX XXXX that she could not help me because the account is no longer with them she then gave me a number to XXXX XXXX XXXX at XXXX and i spoke to a XXXX XXXX who stated that she could not transfer me to an attorney and i asked her how can i take care of this she stated that she can see and if i pay it it may be settled and i asked her how long she stated she does not know how long this takes and no one there will have a time frame and that there was nothing that could me sent to me. My complaint is that this is on my credit report and not one of these agencies could help me with clearing this off my credit report, i'm not understanding why both companies wish to make this process so stressful for me to get cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft SYNCB/AMAZ Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft SYNCB Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft SYNCB/LOWES Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft SYNCB/TJX DC Date of inquiry : XX/XX/XXXX This is 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 2021-02-18
Company: Monterey Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I placed an order on the internet for a machine that applies make-up with a total cost of {$220.00} On XX/XX/XXXX I made payments in the amount of {$38.00} leaving me with a balance of {$180.00} On XX/XX/XXXX I spoke to a collection Agency who stated I was to set up a payment plan of an immediate payment for {$50.00} and then {$78.00} monthly until the balance was paid. I was assured I would receive some type of documentation confirming our conversation and terms of the agreement. I received neither. 

In the meantime, last week, my debit card was stolen and the bank sent me a new one. I received a call from collection agency asking for new card information. I asked if I could make {$50.00} payments for the next three weeks and then a {$26.00} payment on the 4th week and be paid in full. The man on the phone told me that would not make sense because I was being charged a {$20.00} processing fee for every payment I made. I was very upset to learn this as no one had informed me of this charge when I sent up the arrangement originally. He arrogantly told me I knew from the start. I tried to explain I had never received a letter or email stating so. He refused to let me speak by screaming " MaaM '' into the phone so I hung up. 

I called the original creditor there after only to find that the original debt due was {$220.00}. I paid the original creditor on XX/XX/XXXX in the amount of {$38.00}. 

I made two payments to the collection agency on XX/XX/XXXX of {$50.00} and another on XX/XX/XXXX of {$78.00}. Leaving me with a balance due of {$55.00}. Today on the phone I was told I had a remaining balance of {$170.00}. 

I want to file a complaint over the charging of the processing fees and never been told they were being charged. I did speak with them this evening and demanded a return of all the monies I paid them so I can pay the original creditor myself. She told me she would see what she could do and asked for 24 hours. The information for this agency is as follows : Monteray Financial XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX Manager : XXXX XXXX Ext. XXXX My info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I am attaching my payment history sent to me by the original creditor. 

Thank you for your attention to this matter. 

Warm Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
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:
XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U, S, C, 1681s-2 ( A ) (! ) 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 non-monetary relief
Consumer complaint received 2021-06-22
Company: TRANSWORLD SYSTEMS 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX such authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My car was repo and sold on XX/XX/2019. I received a letter stating the amount owed after resale was {$8000.00}. I made small payments but it was still sold to a debt collector. The debt collector is now reporting that the loan is open and is increasing every XXXX weeks by {$50.00}. They are now reporting the loan as {$20000.00} with no payments made. It had made my credit drop XXXX points and still gradually increasing. I called for them to report the correct amount and I have had no solution. The original creditor wont give me any information because they said they sold the debt. This is causing problems in n my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I submitted application online for business savings account. Business banker called and required that I provide social security number to complete application. No alternative was available to authenticate my identity. I expressed concern that Wells Fargo employees were able to see my full social security number with NO encrytion and was told this was the process. This was a business account and they refused to accept the business ' EIN. I asked if the ability for anyone to call in with the application number and they telephone representative be able to see the FULL social security number was a secure business practice and in compliance with NYS social security protection laws and federal rules. I was told its Wells Fargo policy and I had to provide SSN or cancel the application. 
I ask that you look into this practice given high potential for employee fraud, this does not seem in compliance with NYS and federal laws, and my identity can easily be authenticated with our information + an encrpyted SSN.

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 2015-04-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2014 we submitted all of our paperwork for a loan modification on our mortgage. We believed this to be the quickest and least costly solution to a foreclosure law suit that has drawn out for years. Our attorney prepared our documents and sent everything to our lender Nation Star in a timely manner. I was told by my attorney that it would take roughly 60 days for the banks to review the paperwork. It has since been 10 months since we submitted the documents and Nation Star has yet to confirm they have even received our packet. Our attorneys have sent several copies via certified mail with confirmation however our documents have yet to be reviewed. Because of the incompetence of Nation Star I have incurred thousands of extra dollars in attorney fees to continue this process. It was my understanding that a loan modification was the best way for both parties to come to an agreement on this drawn out case, however that has not been the case. I feel as though I have been taken advantage of because the banks have the money and power to continue dragging this out while my funds keep exhausting. My biggest fear is that Nation Star continues dragging this out and I will no longer have the ability to retain my attorney causing me to ultimately lose any chance I have to save my home. My case is now set for trial due to how many months the case has been stale with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: PA
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'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX*Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXXXXXX XXXX XXXXXXXXBalance : {$180.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on 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 delete any items recorded on an ID THEFT REPORT # XXXX. 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX XXXXXX/XX/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