BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a matter of a mortgage company failing to perform due diligence. 
Upon receiving my monthly bill from XXXX Gas Company. There was the following notation : '' This Is Your Final Bill. '' I contacted XXXX Gas ; who informed me that Nationstar Mortgage Company requested the gas service to be discontinued! 
I do not have a mortgage with this company ; and I was quite upset with the XXXX Gas for honoring such a request without obtaining any type of verification. After doing some investigating on my own-based on my knowledge of my neighborhood ; I discovered that Nationstar Mortgage Company had foreclosed on a home that had a similar address- except it was Place rather than Street. I immediately contacted Nationstar Mortgage Company. I was instructed to send written notice to their research department- informing them of the obvious error. I sent a letter to their offices located at XXXX XXXX XXXX XXXX in XXXX, Texas. So far, I have not received a reply from Nationstar. 
I was required to obtain a new account number from XXXX Gas Company. i was angry with XXXX Gas due to the fact that they require individual account holders to verify their identity prior to allowing access to an account. Apparently, this process is waived for mortgage companies! 
Today, I found that Nationstar has done nothing to correct their records ; when XXXX men came to my home to take pictures of the " foreclosed house! '' I directed the men to the correct address. So far, they have not returned to my home. 
I am at a lost as to what I should do to protect myself! 
I am afraid that Nationstar will attempt to evict me from my home! 
I have attempted to contact Nationstar by telephone. None of their employees seem to know where to transfer my call, or provide me with any helpful information! 
This company should not have the ability to discontinue a utility without providing the necessary verification of ownership/ right to do so! Additionally, Nationstar Mortgage appears to have a very lax method of conducting business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights 15 USC 1681 Section 602 A 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 a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Public record information inaccurate

Complaint:
Disputed bankruptcy... they still have it on. XXXX is incorrect and bankruptcy was dismissed in 2013. Is need to be removed... I can not get any credit with that on my report. 
Please insure they remove the inaccurate info. I would like to see the proof if the date and the disposition of the charge

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 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
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 did not open these accounts

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 2023-10-31
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not authorized

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 2023-05-11
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023 My Coinbase Account was hacked through a failure of Coinbase 's Facial recognition verification system and approximately {$18000.00} worth of Crypto currency was was removed from my account. Upon reporting the theft to Coinbase they locked my account pending investigation. They concluded that my login information had been compromised and refused to accept any responsibility. I had to reverify through the very facial recognition system that failed in the first place so that I could access the account to get the transaction records so that can properly pursue the chance of recovery. I was told that 24 hours after the account verification that I would have access to the account and the remailing money that had not been stolen. 

After multiple emails and phone calls I still am not able to access the records of thr fraudulent activities. They have essentially hi jacked my ability to pursue any recourse for the losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I applied a loan modifications at Nation Star Mortgage XX/XX/XXXX and until now I have n't got the approval & gt ; & gt ; and kept saying that the loan was denied due to missing documents & gt ; & gt ; This is not true because I am very much concerned to keep the house for investment & gt ; & gt ; I am behind of almost 2 years for the payments and they are stressing me out to pay it so I can keep the house otherwise it will be foreclosure & gt ; & gt ; According to my tenants who live there right now they have been harassing them and gave the letter of foreclosure XX/XX/XXXX gt ; & gt ; take pictures of the house outside & gt ; & gt ; I am retired XXXX and receiving social security XXXX taking care of adopted son and want your help to stop the foreclosure I was able to pay the monthly that time & gt ; & gt ; I really want that house to keep for my investment in the future & gt ; & gt ; Thanks for your consideration and your kindness. 
The complete detail of the mortgage & gt ; & gt ; Nationstar MortgageAttn. Making Home Affordable Loan Modification processing XXXX. XXXX XXXX Texas XXXX XXXX Loan SpecialistTel. No - XXXX XXXX XXXX ext. XXXXFax no. - XXXX XXXX Loan no - XXXX owe {$89000.00} as of now and the house is worth {$130000.00} according to the market valueI really need your attention to help me to solve this problem because it 's affecting my medical problems & gt ; & gt ; I am on XXXX twice a week because XXXX I am having right now & gt ; & gt ; The doctor advised me to lower the stress to keep me healthy & gt ; & gt ; I just had XXXX XXXX XXXX XXXX XXXX & gt ; & gt ; I am divorcedHere is my tel.cell no.- XXXX XXXX XXXX XXXX XXXX - XXXXXXXXXXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr cooper allowed me to participate in a FHA loan modification via accepting my RMA affidavit whit had a hardship affidavit already in it. I purposely waited cause I KNOW HOW SHADY AND SNEAKY THIS COMPANY IS. I waited until the week to show they HOLD documents 3-5 business days FOR IMPORTANT DEADLINES then ask for redundant information just so they can get a tax break form 1122 isn't a requirement of fha to get a modification. Also they want 30 Days paystubs when I given them a copy of my 1099 contract and two different bank accounts with XXXX XXXX in assets I told them i have alternative sources of income which is my co borrowers 1500 monthly ssi the money saved and then when i get my first commission check mid month this month. I even supplied my licensing it showed in effect XX/XX/XXXX of this month and that ive been working with another agency prior for insurance but i didnt make any money. I dont have to do a form 1122I only want to do what the website said to get consideration mr cooper tax deductions need to be out of my affairs ... nobody notified me i logged on myself cause i know how you operate and im sure you would have waited until riday to let me know then id rush to do it on Friday then you deny my on the XXXX cause of your 3-5 business day rule or cause you want me to fill unnecessary forms to appease your accounting department You have a 4056t that i mistakenly put my dat of birth on ( XXXX XXXX XXXX XXXXXXXX ) you have two income sources ( two bank accounts ) Death Certificate copy of my work contract proof that im licensed to be mortgage orginator since XX/XX/2022 and that im gainfully employed QUIT PLAYING GAMES!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 


When i read the bold letters on the Uniform borrower assistance for government loans it clearly states ( 1 ) this completed, signed and dated Borrower Assistance Form ; ( 2 ) completed and signed IRS Form 4506-T ( for self-employed borrowers or borrowers with rental income or if otherwise required ) ; ( 3 ) required income documentation and ( 4 ) required hardship documentation.

the affidavit is already in the original application so why is MR cooper failing me potentially cause i wont participate in this 1122 form? 
why is mr cooper asking for check stubbs for 30 days when there are other ways to show ability to repay loans besides check stubs why is mr cooper waiting 3-5 business days??? ( cause its one of your MANY predatory tactics )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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. 


From XXXX XXXX XXXX XXXX : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX From TransUnion Intermediate Holdings , INC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these accounts have violated my rights. As a reminder to 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 an 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 item 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 ) ( 1 ) 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 2021-06-23
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I received a letter from LoanDepot, the company through which I have a conventional mortgage stating that my insurance was expiring. This seemed strange to me since I have my insurance paid through the mortgage company ( the escrow account ). I called LoanDepot on XX/XX/XXXX and spoke to an agent, XXXX, and was told that they paid, but the insurance company, XXXX XXXX, must not have accepted the payment and that I needed to call them directly. She also stated that that LoanDepot called them and was disconnected. They called back the next day to be told the insurance was cancelled. 

I immediately called XXXX and got all the way through and was placed on hold by the auto-voice, then disconnected. I called right back and was able to speak to an agent, XXXX. He had me stay on the phone with him as the mortgage payments department looked at the information. I was again disconnected. I called back immediately and was connected with XXXX. XXXX stated that LoanDepot did not pay the correct amount and even though they were informed of this, did not make the payment that would have kept the insurance, so it was cancelled. 

I called LoanDepot again and spoke to XXXX at XXXX. She put me on hold to get the information from the insurance escrow department. When she came back in the line, she disconnected me. I called back and spoke to XXXX. XXXX put me on hold for 15v minutes. she could not tell me anything. I asked for a supervisor and was placed on hold again. When XXXX came back on the line, she told me that no supervisor could be found and that she would put me on a list but it would take up to 48 hours to get a call back. 

I feel like this is a scam that LoanDepot is utilizing to force people to get insurance through them or a company they are affiliated with for more money. They are not trying to rectify this situation, and now I am trying to find insurance that is affordable, like my other one was, but I am faced with higher rates due to the fact that I am currently not covered, thanks to my mortgage company. My original rate was $ XXXX ; the lowest rate I could find, so far, is $ XXXX. This is a huge difference. 

I ask that this get handled appropriately and economically, for me, not them, so that I am not stuck in a situation caused by them and their ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX, the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every XXXX months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.

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 2023-06-08
Company: EQUIFAX, INC.
State: NM
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.

The letters are stated with items and issues.

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 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 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They are holding my insurance claim money. I do not have the money to fix my home and then wait for them to send an inspector before they will send me my money. It's ridiculous! It has been almost 2 years since XXXX XXXX devastated our area. It's a shame we have to fight with the insurance companies and then fight the mortgage company to fix our property. My claim was {$42000.00}, the insurance company subtracted {$18000.00} for recoverable depreciation and sent me a 2 checks totaling {$24000.00}. Then the insurance company went bankrupt. My contractor has done most of the repairs to make the house livable, yet they want him to completely re-sheetrock the entire house. My hands are tied until I get my money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-01
Company: COLUMBIA BANKING SYSTEM, INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXXXXXX  XXXX XXXX and XXXX XXXX entered into a Equipment Finance Agreement with Financial Pacific Leasing a subsidiary of Umpqua Bank for what was understood as the purchase of an XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ' XXXX  XXXX  at XXXX XXXX in Arizona. During the time of purchase the interest on the " loan '' was never disclosed and we were rushed to sign the paperwork. It was only disclosed that we had a total of 60 payments at {$1800.00}. We were also led to believe we could do an early payoff on said lease. On XX/XX/XXXXXXXX  XXXX reached out to Financial Pacific Leasing via email to request the 10 Day Payoff amount. The response received from Financial Pacific Leasing was that we signed on for 60 payments of {$1800.00} and there is no adjustment made as there is no interest just a finance fee. We were informed on XX/XX/XXXX that the payoff amount was {$89000.00}. On XX/XX/XXXXXXXX  XXXX XXXX and one of our associates for XXXX XXXX XXXX XXXX, XXXX XXXX spoke on the phone with a XXXX XXXX regarding the account and requested a break down of all the fees on the lease. We were met with hesitation from the XXXX XXXX and told she would have to request that from a manager. An email chain was established with XXXX XXXX and we received an email with our requested current payoff amount which was reported to us as being {$86000.00}. On XX/XX/XXXXXXXX  we finally received a copy of the Amoritization Report which clearly shows the interest being charged on the lease at a rate of approximately 106 % if our calculations are correct. Had this rate been disclosed at the time of purchase we would have never agreed to this financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It says the account was opened on XX/XX/2022 and the account reported on my consumer report XX/XX/2022. The debt collection agency by the name of LVNV FUNDING LLC has illegally reported this account on my report in the amount of {$410.00}! They have also committed identity theft, reporting an account that is not mine on to my consumer report! Im not sure how to take action on the company because I dont know any account numbers or how they even got my information! I havent received any calls or any emails stating that I owe any balance to any company. It just appeared on my report and gave my score a huge negative impact.

Company response to consumer: Closed with explanation