BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinanced my mortgage with Nationstar Mortgage. The closing date was XXXX XXXX, 2015 and disbursements were made on XXXX XXXX. Nationstar had authorization to access my checking account for the monthly mortgage payment. As I said, the account was paid off on XXXX XXXX but Nationstar accessed my checking account on XXXX XXXX and withdrew payment in the amount of {$2600.00}. I immediately called them to get the problem corrected and spoke to a supervisor who acknowledged the error and told me that the transaction would be reversed electronically within XXXX hours. The next day since reimbursement had not occurred I called back and was informed that the re-financed account had been closed and that reimbursement would be made by check sent by express mail. That payment arrived today but the amount reimbursed was for {$2200.00}. The bank had retained {$400.00}. When I called for an explanation they tried to " explain '' that according to their records that amount was still owed and so it was retained. I asked the supervisor, XXXX XXXX, if she was claiming that the settlement sheet ( XXXX ) which showed complete disbursement was incorrect. She said the settlement sheet was correct. I noted that the amount outstanding on the loan as of XXXX XXXX was {$370000.00} and that the payoff amount, which she acknowledged was correct, was {$380000.00} and that payment was made as scheduled on the settlement on XXXX XXXX. I also asked if Nationstar had not improperly billed my checking account for payment against a closed account whether I would have been billed for the {$400.00}. She stated that I would NOT have been billed but still insists that the bank had properly retained the {$400.00}. I then called the Settlement Agent, XXXX XXXX XXXX XXXX XXXX, which verified that disbursement had been made as stated in the settlement and that all accounts were deemed accurate. He also noted that I had received a reimbursement at settlement of {$1100.00}. No one can undertsand what the retained funds claimed by Nationstar are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Comerica
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My social security comes to me by direct deposit into my Direct Express debit card. On two separate months now I have been charged by various online companies that I NEVER AUTHORIZED. I have lost over XXXX to this fraud. I have reported the fraud, however, Direct Express will NOT reissue my money not stop this from occuring. They claim these charges were authorized. I NOT ONCE have signed up for anything they authorized. I have filed my dispute but it goes unanswered. I need help. I am XXXX and loosing my income over this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Bought XXXX cars ( XXXX XXXX XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX ) both were reported on tax ( 1099B ) as a result the bank that financed me rescinded both accounts in my perception is a result of my reporting both car contracts to the treasury. There is now the dealership parental company attempting to recontract my to pay. I will pay until I find resolved, the only problem that I have is that XXXX Over ran my credit and gave access to other bank without my permission, 3 month after the final sale of the second car I found inquires up until XX/XX/XXXX XXXX which I had no knowledge of until credit was drastically reporting, this is fraud! One of the vehicle was faulty and failed to stop hence deemed totaled by my insurance carrier. As a result now Santander wants the pay out, but they abandoned the contract I have proof, I never received payment coupon or receipt from Santander, I never sent them one payment. I have Santander payment receipts of my phone and via statements by mail for the second car ( XXXX XXXX XXXX ) The also never reported the XXXX ( XXXX car ) but did report the second one until XX/XX/XXXX ( When they rescinded the XXXX Cars contract ) now there is XXXX loans on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: NAVY FEDERAL CREDIT UNION
State: TN
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 been out of town for several months and while away on XX/XX/XXXX my son applied online for a navy federal car loan in my name. This application was 100 % unauthorized and I would like the inquiry removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

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. 

Here are the fraudulent inquiries in 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NJ
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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2022-01-14
Company: Hidden Oak Group, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I took out a personal loan through XXXX XXXX  XXXX. On XX/XX/XXXX I started to receive invoices from XXXX XXXX XXXX XXXX who stated they took over the account from XXXX XXXX  XXXX. I continued to make monthly payments to XXXX XXXX XXXX XXXX until the agreed last payment was due XX/XX/XXXX. Payments were auto-withdrawn from my bank account monthly. I was told I was unable to have an online account with Marketplace Loan therefore I was never able to access pertinent details to my account. 

On XX/XX/XXXX, I pulled a credit report which showed negative impact from a personal loan. I started a dispute with the credit bureaus. I also began to call XXXX XXXX to get this issue corrected, as I was continuing to make payments as scheduled and promised. Credit Reporting Agency shows contact phone of : ( XXXX ) XXXX -when I called it said XXXX XXXX  XXXX. Every single person at XXXX XXXX that I had previous conversations with and had their names, phone # 's and emails were no longer existent. The phone # s for them which were XXXX, XXXX, XXXX, XXXX are no longer existent. When I call all their numbers, they are all different companies. Some of the representatives at these companies said they were unable to release the names of the companies they worked for and none of those companies claim to know any of the representatives I have dealt with over the years, nor the name XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX. They say that they have owned those phone # 's for years. No one can find my account numbers or social security # 's on their records. On XX/XX/XXXX I was contacted by a debt collector from a company called Grassy Spring Group via XXXX  XXXX XXXX  ( XXXX  ) who states XXXX  XXXX  XXXX  gave them my account. I once again contacted all the # 's I knew for both companies XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX and the # 's all have new companies once again and no one knows about the ( XXXX ) companies in question. And all the # 's now belong to new companies such as Lease Customer Service and Legacy. I have detailed notes of every person, department, phone and companies I spoke to almost daily since XX/XX/XXXX. I have not been able to get any answers from anyone. I fear this was a scam, that my identity has been released to numerous companies, and that after paying them THOUSANDS of dollars, they are falsifying my debt. I feel helpless and hopeless and hope that someone can help me put an end to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
Hello I have a problem with Equifax with my name and birth date at first I was told to fax over my social security number drivers license and a letter disputed any inaccurate information well I called to see if my information was received and was told they dont accept faxes anymore but was given the fax number ok so moving on I mailed them the same information and once again this time was told they couldnt see my information which was clearly blown up ok 3rd sent my information again on XXXXXXXX XXXX XXXX overnight to their po box then I called to make sure it was received the lady said we dont see it but give me your information so I precede to give her my birth date which is incorrect I told her my correct birth date hen she states I need to send them once again a copy of my information oh no I have sent them my information 3 times now she tells me its gon na take 1 month before they fix the problem well I had the same issue with XXXX and they immediately fixed my information I feel so let down because my information is just floating around EQUIFAX and nothing is getting done please help me with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously was under gov't assistance due to covid. Then I was started on a 90-day trial. I continued making payments, until I called to do so this month. The rep. claimed a paper was sent to me and that I never signed it, so, due to this, I am default on my loan.

They refused to take my payment. For all the nonsense I have been through, I sure would have signed a paper if I had received one to sign. I had a problem earlier this year regarding an insurance check. They kept claiming I never " sent the paper back to them '' so they wouldn't release a check to me for repairs. 

Due to an error, I'm supposed to go through the modification process again. Never received a voicemail, or a letter in the mail regarding this issue. 

I'm very irritated to say the least. My mortgage rate is please going to stay @ 1-2 %, I shouldn't be penalized because of their errors. 

Thank you for your help! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, This Complaint is in reference to NationStar Mortgage in Texas and Aurora Loans { bought by NationStar }. 
I am stuck in a Financial Situation where I can not move forward with obtaining any type of Mortgage because by Debt Ratio is 97 % against a Property I no longer own or Reside in, but my X-Wfie still resides in. Because of a Court Ordered Decision Involving a Divorce Settlement in XXXX, I was forced to sign a Pro-Quit Claim Deed assigning ownership to my X-Wife. I insisted that since we could not refinance the property { XXXX prior attempts }, that my name would not be removed from the Mortgage at that time Aurora Mortgage. My X-wife mentioned to the Judge that a Loan Modification could be performed so she could make affordable payments to stay in the Home. The only Issue I had with that is even if the mortgage was modified to a lower payment, my name would not be removed from the Mortgage. 
Well, the Divorce proceeded, and after months of paying my x-Wife additional court order spousal support to maintain payments on the home until the payments were modified ( 10 months later ... ). But when i went to check a few months after it was modified, my name was still on the Mortgage. I called Aurora, and they said the mortgage was bought by NationStar. Then NationStar sent me a letter after I inquired about it, that they could not remove my name from the Mortgage unless i refinanced the Loan. I explained to them I no longer have ownership of the Home, due to the quit-claim-deed. This time frame was XXXX. 
After a few years of hoping my x-Wife would be reasonable and refinance the home under her own name, there still exists the same result as back in XXXX. She is either unwilling or unable to refinance the home, her payments are affordable but my name is still on the Mortgage. 
I have struggled financially since XXXX, unable to buy a decent Car, and unable to get approved for any type of Mortgage because my debt ratio is 97 %. The difference now is that in XXXX I got married and have a larger family. 
I believe this is Legally and Morally unfair to me and my new Family as I can not provide for them any type of Home, due to a mortgage that is sitting on my Credit Reports at 97 %, and again a property I do not own according to the County Reporters office, but only on NationStar Mortgage 's books. I have made multiple attemps this year with NationStar Mortgage, with Phone Calls and Emails, but unable to speak to a True Manager there. 
This situation is Fincially hopeless, unless my name is Removed from NationStar 's mortgage. I can then move on with my Life Financially for my new Family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We received on XXXX XXXX foreclosure sale of home, this is the XXXX that we had hears about the sale. We did not received a Registered letter indicating the sale of the home, I was told that the Certified letter was returned to processor because of undesirable address,. We receive our mail at a PO Box because we have had problems with kids taking mail out of our mail box. All the processor had to do was look at the address that we have received mail at for over a year by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
About eight months ago, I filed an XXXX for a loan modification with Nation Star Mortgage. I have acted in good faith, sending every document that was asked for - then, submitting them again and again and again. 

The breaking point was a letter I received approximately 10 days after a conversation I had with one XXXX. She informed me that I needed to re-submit the XXXX with current dates and signatures of myself and my spouse, along with a " detailed letter '' explaining that she has not worked outside the home in several years. 

I asked XXXX if this will indeed fulfill the requirements.Checking with her supervisor, she relayed the message that it would be. 

The last time I was able to reach a human being ( which is no longer possible with this company ), I asked if the modification was going ahead. The person a spoke with checked, and informed me that it was. 

Today, I received ANOTHER letter informing me that the modification COULD NOT be completed because the STILL NEEDED DOCUMENTS THAT I HAD BEEN TOLD WERE NOT NECCESSARY AND DID NOT APPLY TO ME. 

All the time, I have told these people that I am self-employed by a number of clients, and have provided tax returns ( two years ) as well as the most recent P & L statement. I have done this TWICE. They NOW say they need " 30 consecutive days of pay stubs '' which I DO NOT GET AS A XXXX XXXX. THEY KNOW THIS. 

I was also informed that I must submit an " AWARD LETTER of BENEFITS STATEMENT. '' For WHAT? I get NO SUCH BENEFITS. AGAIN, THEY KNOW THIS. 

Now, I am completely unable to reach a LIVE HUMAN BEING at ANY TIME. I was given the name of a " Dedicated Loan Specialist '' named " XXXX XXXX, '' along with a contact phone number and an extension. This phone, like EVERY OTHER NUMBER the company has, goes to the SAME PLACE - the SAME ENDLESS MENUES with LIMITED CHOICES and NO WAY IN XXXX TO REACH AN ACTUAL HUMAN BEING. 

I have reason to believe this " XXXX XXXX '' does NOT EXIST, which to my understanding, constitutes FRAUD. 

This company has been LYING TO ME, JERKING ME AROUND and causing a WHOLE LOT OF UNNECESSARY STRESS in my life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation