BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our Mortgage interest rate resets as of XXXX XXXX, 2015. The loan provides for XXXX years of fixed interest only payments converting to a fully amortized adjustable rate for the final XXXX years. 12 USC 1026.20 ( d ) requires a servicer to provide the borrower with a notice between XXXX days before the mortgage rate resets that includes an estimate of the new mortgage payment and other required information. We never received this required disclosure, and at the time it should have been provided we were not receiving monthly mortgage statements. Nationstar did not provide monthly statements in XXXX our of XXXX months and still has failed to provide us with a copy of the note as required by California Civil Code Section 2943 ( b ) ( 1 ) and the Deed of Trust. Today, XXXX XXXX, 2015 we did receive the Change in Interest Rate that is required XXXX days before the reset, but this document does not fulfill the requirements of the estimated notice we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in rectifying this issue promptly and effectively. 

Upon reviewing my credit report, I discovered several unauthorized hard inquiries made on XX/XX/2023, by : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX  ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX  ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2023 I have taken immediate action to mitigate any further damage by contacting the respective financial institutions and alerting them to the unauthorized inquiries. I have also placed a fraud alert on my credit file with all three major credit bureaus, namely XXXX and XXXX, to prevent any additional fraudulent activity. 

As a responsible and vigilant consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and its subsequent amendments. According to the FCRA, consumers have the right to dispute any inaccurate or fraudulent information present on their credit reports. Furthermore, Section 605B of the FCRA states that any inquiries resulting from identity theft must be promptly removed from the consumer 's credit file. 

In light of the aforementioned rights and the fraudulent nature of the hard inquiries, I kindly request the intervention of the CFPB to assist in the immediate deletion of these unauthorized inquiries from my TransUnion credit report. This deletion is crucial to protecting my creditworthiness, as these fraudulent inquiries may impact my ability to secure future credit, loans, and financial opportunities.

Additionally, I have enclosed copies of supporting documentation.

I appreciate your attention to this matter and trust that the CFPB will take swift action to address and rectify this issue. Please provide written confirmation once the fraudulent hard inquiries have been deleted from my TransUnion credit report. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Thank you for your prompt attention and assistance in resolving this matter. I look forward to a favorable resolution. 

Sincerely, 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 2015-04-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am having trouble XXXX my mortgage company, Nationstar. 
I am accusing them of purposely losing payments so they can charge me late fees and make me lose my home. They lose notes, comments, communications, written paperwork ... thye force place insurance when you have it paid in advance for one year just so they can tag a premium delinquency on your acct ... ... thereby putting all of your now " short '' payments into a suspense account ... .this now goes on your credit as delinquent payments. I pay my own insurance myself, yet they say they have paid it since they have had my loan. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have tried numerous of times for XXXX and Trans Union to correct my credit report concerning XXXX XXXX credit card ending in XXXX. They are continuing to report different information. XXXX is reporting that I have XXXX missed payments. THIS IS NOT ACCURATE INFORMATION REPORTING IN MY CREDIT FILE. Trans Union is reporting that I have XXXX missed payments. THIS IS NOT ACCURATE INFORMATION! I have tried to get this issue resolved now for the last 6 months now! Please do not send me a response telling me that the information is accurate. IT IS NOT! I am now prepared to take legal action against Trans Union and XXXX for not investigating this properly and continuing to let XXXX XXXX report incorrectly on my credit report. I have also written several letters of how, You continue to tell me that the information is reporting accurately and you have done an investigation now I need proof that investigation was done if this is not removed from my credit profiled immediately. 
Time is of the essence

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 2023-11-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
About a year ago, I had multiple account overdraft fees put on my account even though I deposited money before the deadline. Ultimately, I couldn't pay for all of the overdraft fees, the day I tried to login to pay my overdraft fees, my account was closed and all of the overdrawn money was sent to collections. It has affected my credit report permanently, I recieve calls all of the time from collections for money I really shouldn't owe, and now that I'm running a business it's impossible to get financing. I was told there was a settlement regarding the illegal overdraft fees wells Fargo charged people, but wells Fargo never reached out to compensate me for that. How can I get what's owed from the settlement. On many occasions before the final closure of my account, I experienced instances of this predatory overdraft scheme that wells Fargo utilized to steal money from millions of low income families. They should be held accountable and we should be compensated for our losses. It's about time people get credit for all that these giants take from them during hard times. They are feeding on families in there most vulnerable times. Thank you for all that you do. I hope you guys are able to keep doing what your doing. Your service to folks like myself is greatly appreciated. We need more agencies like this to fight these greedy monsters and we need permanent laws to keep them from doing it again! Hopefully one day low income families won't have to work so hard just to be stolen from by bug business. This agency is a great start. To the individuals who fight hard for consumers, Thank you! 
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 2023-08-23
Company: EQUIFAX, INC.
State: MI
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX ACCOUNT NAME : XXXX XXXX  # XXXX. HARD INQUIRE : 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. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account ending in # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nation star has increased my escrow by {$60.00} so I will have excess in my escrow account. I refused to pay over my payment amount. I have made all my payments on time since I 've had this loan. This loan is a modification due to the fact I am XXXX. According to their paper work they sent me. I am paying the proper amount of escrow. {$140.00} that covers the amount of tax and ins. XXXX. I received a phone call from Nation Star not a notice. That they have suspended my account and if I did not make the payment it could result in forcloser. I do n't understand how they can force me to pay over my escrow amount that I do not owe. Then foreclose on my home because I will not. I am XXXX and I am on a fixed income. From reading the comments about these practices it looks like this organization looks for people like me. From what I understand this practise is used to let the individual not make XXXX payments then start forecloser procedings. The person owing the money does not have the funds to pay the jacked up charges so Nationstar forcloses on the home. They are looking for homes with equity that they can turn over. I hope this is not true. I still want to believe businesses are honest. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fraudulent transaction was made from XXXX for {$1500.00} that was withdrawn from my checking account on XX/XX/XXXX. I received a call from 'Citibank XXXX inquiring if I authorized payment of {$1500.00} to be transferred to someone in XXXX XXXX I replied 'no ' ; I did not authorize any such transaction. They proceeded to ask me to verify my information and open my online banking app on my phone. 

I grew suspicious and told them I did not authorize any transaction, nor did I ever use XXXX and that I would go to the bank to handle the inquiry. 

I went to the bank and we closed out my account and stopped my debit card. The bank manager tried to get information on the fraudulent activity, but we could not reach anyone who could help us. We stopped transactions on my accounts. 

I have yet to receive resolution from Citibank as they claim I authorized the transaction. I have requested information on their investigation and have never received any information on the investigation. I have attempted to call XXXX, but they will not speak with individuals, only people from the Bank. I have never used XXXX and am a CitiXXXX customer for over 30 years.

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 2018-05-07
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inquired about a HELOC and was very specific thats all I wanted. XXXX XXXX XXXX representive XXXX XXXX asked permission to run my credit. He then informed me that I did not qualify for a HELOC. they do not offer that product except to XXXX customers. This was not mentioned until after my credit was run. He then proceeded to attempt to sale my on a very expensive VA refinancing. Using faulty comparison in interest that did not take into account all variables. He focused on the non deductible mortgage insurance rather than the presenting me with an over all picture of the total cost. 

I complained to the companies complaint department about running my credit under false pretenses. They refused to remove the inquiry. 

This was a bait and switch attempt from the start. Had they mentioned they only offered HELOCs to XXXX customers I would have simply moved on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Omnipoint Capital
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been repeatedly called from a Company stating I owe them a debt that I have never incurred a debt with. They have called my personal phone, my husbands, my childs, both my parents, and my work! They have sent out texts to all these phones asking of my whereabouts. They are stating I owe them {$1300.00} plus dollars. In which I do not owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This is my second complaint with the CFPB ( see XXXX ). In the initial complaint Carmax Auto Finance sent a payment to accommodate 1 of 3 hardships dealing with the vehicle/loan that occurred in their system. Since opening the original dispute in XX/XX/2020 they have sold the vehicle after CHARGE OFF and are reporting a balance of {$10000.00} on my credit report. First let me state I absolutely did not wish to voluntarily set up the vehicle for pick up. At that time my husband of my XXXX children suddenly passed away and I made an economical decision based on the last six months of issues and the pandemic. At the time Carmax received the vehicle their still was no title or tags due to their system inadvertently taking the tags out of my name for the 3rd time in six months which means there were no tags for well over days. I replaced the brakes and raised a complaint about the lights in the first two weeks at Carmax Auto shop. In addition to that the lights did not work on the vehicle but the first 15 days which is required by law and I attempted to fix this issue twice with Carmax in XXXX and XX/XX/2020 at their repair shop in XXXX and once I returned from the shop the entire electrical system went down on the car and I was informed the alternator had to be replaced in XX/XX/2020 ( one month after purchased ) I replaced that and the battery with XXXX XXXX and complained to Carmax with nothing done. The vehicle remained in the shop ongoing for the entire duration of the vehicle. I continued making payments and repairs all while constantly having the car taken from me by Maryland police due to the car showing up as not registered 3 times enduring much more than the amount of {$1300.00} they sent, I missed work when my car was taking multiple times and pay many fees to retrieve the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Utah System of Higher Education
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am XXXX  XXXX. XXXX and I have notified Cornerstone Loan Services department multiple times in writing that the loan was forgiven. XXXX and I have participated in multiple conference calls with Supervisors from Cornerstone over the past 22 months who committed to bringing closure to this issue. Once the conference call ends no further action is taken by Cornerstone and they never contact me back with an update status as they have committed to during the conference calls, The Department of Education has provided them clear directions multiple times since XX/XX/2019 and they have failed to take action required by the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
still waiting for the response for the letter i sent you on XX/XX/2021. I have been disputing these inaccurate accounts on my report because Im trying to get something for my family but your negligence just won't let me do so, I think i need to take this to the next level, I think the only way you'll take this seriously is when i seek legal help and that's what I'm about to do. for the last time i would ask you to investigate these errors because i know it is my right!

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