BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The XXXX mortgage on my house was bought by Nationstar Mortgage during my Chapter XXXX bankruptcy and the XXXX mortgage was legally discharged when I successfully completed the bankruptcy in XXXX 2014. I completed and filed the legal documentation in XXXX XXXX County, CA re : stipulation resolving the complaint. Instead of reconveying the mortgage within 30 days, I then began receiving bills from Nationstar, saying I owed them XXXX of dollars and the company reported the false info to the credit bureaus. After several calls and faxing proof, Nationstar kept insisting that I had to pay the XXXX mortgage. After I got my lawyer to send proof of the discharged loan, Nationstar finally noted that they would reconvey the mortgage, but it is still " in process ''. Nationstar should have stripped the lien last year. When I was in escrow to sell the house after having to move for a new job, I found out the lien was still there and I am now losing XXXX of dollars and will probably lose the house to foreclosure because of Nationstar 's delay in reconveyance of the mortgage. I 've called Nationstar weekly and it is still " in process '' although I was told it takes about 30 working days to reconvey it. Is there anything else I can do to get this resolved legally?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am having delays drawing on my line of credit. The last draw I have made on my line of credit was in XXXX. Since then I have not made any draws. Recently I thought to make a draw being my equity is high and interests rates are low. I noticed my reverse mortgage statement says I have no credit line so I contacted the company and requested all monthly statements for my personnel accountant. I made my first request on XX/XX/XXXX. I have made numerous phone calls and have received numerous emails, however the company keeps directing me to different Customer Service representatives and they never answer my questions directly and refuse to elaborate on the figures presented on my monthly statements. A representative even went as far as saying if I don't use my credit line I can lose its growth feature. I just want to speak with Licensed agent and they seem to be obstructing me from getting direct answers in essence delaying me from making an accurate credit line draw. My mortgage service is with Champion Mortgage and I spoke briefly with numerous agents, but have not received direct reply from XXXX XXXX or XXXX XXXX for whom I have made a partial complaint. I need the monthly statements for XXXX - XXXX to get started and then I need the full reverse mortgage FHA rules. I have not made a full complaint because they have not given me my requested records. I NEED THE RECORDS TO SUPPORT MY CLAIM, ITS BEEN TWO MONTHS NOW AND I AM STILL UNABLE TO MAKE AN ACCURATE CREDIT LINE DRAW. HUD GUARANTEES MY CREDIT LINE DRAW WITHIN 5 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 NY XXXX XXXX 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of reciept. It has been 30 days and you are in VIOLATION of this law because I am the victim of identity theft!!! Please delete these items immediately! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. code 1681b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER GAVE any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report that violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit file Ive noticed a company named Convergent outsourcing Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.

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 2022-01-20
Company: EQUIFAX, INC.
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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX XXXX  and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my XXXX. In short, the quality of my XXXX  has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX TXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint mortgage servicing send me a certified letter yesterday XX/XX/XXXX and they did not address my concerns at all but a new amount again mow they claimed I owed them last month They are trying to get me into a loan modification why las time XXXX XXXX XXXX did they add {$110000.00} more to my mortgage loan well again I do not mine at all if they help me but my last complaint was about getting to know why im not into my loan modification the one on XX/XX/XXXX why??? This company is making me sick with all their lies and corruption again they send me a letter with my wife 's wrong name and a singed that was done here in florida the law she singed for the titile she was not in my loan her bankruptcy was in XX/XX/XXXX for a different reason and I got my loan modificacin on XX/XX/XXXX No prove of where is the shores or missing month they claimed I owed them last week I called their lost mitigation office and at first they did mot know anything and then they said was it was on XX/XX/XXXX I got a copy from my bank for those months and 6 months stating last month now they saying it is last mount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to order an appraisal that I will pay for ( request to remove PMI ) since XXXX XXXX. Through lost paperwork, wrong " action codes '' entered in their system and overall lack of response I am still sitting here on XXXX XXXX waiting for someone to just call me to set appraisal date. I did get a call from them on XXXX XXXX promising a call within XXXX business hours. No call. So since then I have sent multiple emails and left XXXX voicemails and response from them besides the automatex email responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I have paid Nordstrom a collection account which was determined to be removed and agreed to be removed. All 3 credit bureaus do not report correct scores correlating with each other. Incorrect scores. I am requesting for corrections to be made on each credit bureau that report the same accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: SYNCHRONY FINANCIAL
State: GA
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:
SYNCB/PPC Account XXXX XXXX Account Status Closed Charge Off Payment Status Past Due - {$2400.00} Balance Owed {$2400.00} Payment Amount {$0.00} Credit Limit {$2100.00} According to XXXX, XXXX XXXX your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. I thereby and hereby demand to see a copy of the Verifiable, Validated Proof ( a Certified Copy of the original Signed Consumer Contract, copies of copies are not Validation and by Law are not considered Legally compliant proof ), that you have on file for the account ( s ) listed above. Under the FCRA, unverified, invalid accounts must be removed from credit reporting. If you are unable or unwilling to provide me with a copy of the verifiable/validated compliant proof that you have on file within 30 calendar days from the receipt of this notice, for the account ( s ) listed above then you must at once remove the account from XXXX XXXX credit reports. I demand the account be verified or removed IMMEDIATELY! The law is VERY clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law.

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 2015-08-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been dealing with my mortgage company for 7 years. The problem first started when I lost my husband. He was killed XXXX, whilst in the XXXX and the guy/people that originated my loan are in Federal prison for predatory lending. My loan was originally with XXXX and then bought out by XXXX. Who then illegally foreclosed on me and I went to court and got a judgement in my favor. In the meantime I had to close XXXX because my daughter was diagnosed with XXXX and I had to work with her. I still receive my VA benefits and Survivor benefits to afford my mortgage. When the housing market crashed I initialized a modification with XXXX, it took two years of submitting documents. I also was n't allowed to make payments during this time. So my past due kept going up. Also my original loan balance was going up too. Finally they had all my papers together and I was in underwriting and on the final day they sold my loan to Natiionstar. They told me I had to do the whole thing over again, which I did that has been going on for two years. So it started at XXXX and now is XXXX and they having me owing {$300000.00} in fees and paments and XXXX in escrow arrears. They wo n't send me copies of the fees I owe or the original note or XXXX. Statements or Countywide documents or anything I request actually. I am a XXXX widow and have my late husbands daughter who is XXXX. This is the only home she 's known and I got completely messed over with my original loan. I feel like I 'm being walked over and I ca n't get any answers or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting

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 2023-10-25
Company: EQUIFAX, INC.
State: WI
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:
In the year of XXXX, two credit cards were opened in my name for XXXX and XXXX XXXXXXXX XXXX  Both cards were closed due to debt on the cards according to my credit report. I didnt sign up for a credit card until the following year ( XXXX ) with XXXX XXXX when I discovered there was another credit card possibly opened. I was able to resolve XXXX XXXX, but I am unable to resolve XXXX and XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: U.S. BANCORP
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was trying to open a new cell phone plan and they advised me my social security number had been compromised and they cant verify it with my correct information so they couldnt help me. When I pulled my credit report, there were about 20 inquiries that were not me, there we charges, taken out of my account, that I did not do - they applied for a car loan and an installment loan impacting my credit - and everything I try to apply for or verify my identity is says my identity can not be verified

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: JPMORGAN CHASE & CO.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
They contacted me to collect that money and in the letter the date is XX/XX/2021. 

They opened a credit card account in my name and it is not mine. I've never had that card. The person used it and as of today they are charging me the amount of XXXX with the Chase Bank. I have already written to them indicating that the account is not mine. I have had to freeze my credit in the accrediting agencies because this is the second time they have done the same. The account ends in XXXX is the only thing I know. I will appreciate your prompt intervention as this situation is already affecting me emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I returned an Item to XXXX. XXXX  was to send a shipping label. They stalled and it was getting close to the end of the return period of XX/XX/XXXX. I shipped the item by XXXX on XXXX. On XX/XX/XXXX, XXXX sent the XXXX shipping label. I re-called the item from XXXX and then re-shipped the item by XXXX on XX/XX/XXXX. XXXX charged a {$9.00} fee. I filed a dispute with XXXX, but they have not responded. Therefore, I filed the dispute with Capital One. 

The letter dated XX/XX/XXXX from Capital One says to mail the information in the pre-addressed envelope by XX/XX/XXXX. XXXX and allow 15 days to respond. There was no pre-addressed envelope. Capital One sent that XX/XX/XXXX letter via their secure mail system. I mailed all documents pertinent to the dispute to Capital One, XXXX XXXX XXXX, XXXX XXXX, Utah, XXXX on XX/XX/XXXX. Capital One sent a letter on XX/XX/XXXX saying they did not receive the documents and reversed the credit. I dispute that. I faxed the documents this morning at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: DISCOVER BANK
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I provided two securities via registered mail to Discover Card. Not only was my interest not electronically transferred to my XXXX account, but my credit report does not reflect the payments they have received. According to UCC 3-604 due to their neglecting to process my payment and failure to return said securities I have discharge and I am no longer indebted to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I was trying to gain access to my Experian credit report and was not able to verify personal questions. They asked about a car lease loan from a bank of which I did not know. Upon gaining access at a different time, I was told the exact make and model of the vehicle. The car is the vehicle my mother " owns ''. I was not able to get any more progress on the situation as they could not verify it as my account. There is also a wrong social security number and many incorrect names on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have told Ally Auto continuously to stop contacting a friends number when trying to get in contact to me, they have ignored that request numerous times.

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