BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-01
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a hardship application to Nationstar Mortgage at XX/XX/XXXX and I did not hear anything from them. I looked on line several times to obtain the status of my application and there was no information. I called Nationstar today ( XXXX/XXXX/2015 ) to obtain a status of my application was advise that my application had been denied ( the investor does not do modifications ). I asked why I did not receive a letter stating that my application had been received ( 5-day letter ) or a letter indicating that I had been denied ( supposedly in XX/XX/XXXX ). The representative claimed that the information was sent to me via email. I have a problem with that explanation as I received nothing in either case however, I do receive the monthly billing statements. I believe Nationstar Mortgage failed to notify me in either case nor did they ask for any additional information ( complete loan application ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXXUpdate to Complaint XXXX regarding Nationstar Mortgage ; I was paid on the afternoon of Friday, XXXX XXXX. I logged into XXXX to pay my mortgage principle, interest, actual escrow, and late fee. Nationstar 's online system would not allow me to pay ANY AMOUNT except the total amount they deem owed - i.e. the additional $ 400+ they are trying to collect as a RESPA ALLOWABLE 'cushion '. I called Customer Service and was told that they can not accept any payments except the TOTAL AMOUNT NATIONSTAR DEMANDS either. I was told I could mail or XXXX XXXX a payment but until the Escrow Account Dispute was settled, my payments would be held in suspense, and I would have to pay the additional 'Escrow Shortage ' - THERE IS NO ACTUAL ESCROW SHORTAGE on my account for my payments to be credited and not considered in default. 

I asked repeatedly if that tactic was legal?? I was attempting to pay IN GOOD FAITH the amounts I owe to principle, interest, actual escrow amount, and late fee! How could Nationstar refuse? 

I was told over and over that they were trying to HELP ME and give me alternatives to pay what I 'wanted to pay via XXXX XXXX or the postal service. ' We can escalate a resolution but it would n't be solved for at least XXXX more days - within XX/XX/XXXX. I asked - why just escalating now? I filed a complaint with the CFPB and have received a mailed written response from Nationstar that it was being 'reviewed ' - NOW you can escalate it - but without accepting XX/XX/XXXX 's payments I am trying to make, and keeping XX/XX/XXXX 's payments in 'SUSPENSE ' - tomorrow I will be in the second month of DEFAULT? 

How is this legal? or HELPING ME? I hung up. I immediately emailed Nationstar Customer Service with the above complaint. 

I had to leave to go to work - I could not go to the bank, then to a XXXX XXXX provider to wire the payment I legally owe and am happy to pay. 

Today, Nationstar has my mortgage account in 2 month default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: GA
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2015-08-28
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
ON XXXX XXXX, 2015, NATIONSTAR DEBT COLLECTION AGENCY HIRED XXXX, XXXX, XXXX TO PLACE A FORECLOSURE INTENT NOTICE ON THE DOORSTEP, AND INTO THE MAILBOX WITHOUT SENDING THE NOTICE THROUGH UNITED STATES POSTAL VIA MAIL COMMITTED MAIL FRUAD WHICH IS A FEDERAL FELONY CHARGE PUNISHABLE BY FEDERAL LAW TO ATTEMPT TO COLLECT A DEBT NOT OWED TO NATIONSTAR WITH NO SIGNATURE CONTRACT WITH THE AGGRIEVED PARTY. THE I.R.S. WHISTLEBLOWERS OFFICE IN XXXX UTAH AND XXXX CALIFORNIA HAS BEEN NOTIFIED WITH FILING FORMS XXXX ALONG WITH XXXX, XXXX COVER SHEET PLACE ALONGSIDE A POLITICLE/PUBLIC CORRUPTION AFFIDAVIT SUPPORTING THE ALLEGATIONS AGAINST NATIONSTAR IN COLLUTION WITH AURORA LOAN SERVICES, XXXX, AND XXXX, XXXX A VIRGINIA CORPORATION. A COURT ORDER ENTERED INTO JUDGMENT CHAPTER XXXX BANKRUPTCY COURT GRANTED AND SIGNED BY JUDGE XXXX XXXX UNITED STATES BANKRUPTCY COURT JUDGE ON XXXX XXXX, 2015 DISCHARGING ALL DEBTS FOR THE AGGRIEVED DEBTOR PAID IN FULL. I WILL BE SUBMITTING OTHER COMPLAINTS FILED AGAINST THE ACCUSED PARTY THAT WERE SENT TO OTHER AGENCIES LIKE THE F.B.I ; U.S. CID, C.I.A., SECRET SERVICES, AND XXXX ... .. FOR VIOLATION OF HOBBS ACT ( ROBBERY AND EXTORTION ) ; VIOLATION OF THE SMITH ACT ( OVERTHROWING THE U.S. REPUBLIC STATE CONSTITUTION XXXX ; VIOLATION OF R.I.C.O ACT ; AND VIOLATION OF DBA PRACTICES ACTING AS DECEPTIVE DEBT COLLECTORS WITH NO INTEREST IN THE PROPERTY ; AND VIOLATION OF PUBLIC LAW 10 CHAPTER 48, STATUE 48 SECTION 112,113.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: IL
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was eight months pregnant with our baby girl. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the XXXX file of my dispute letters that were sent to the involved Bureaus

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 2023-05-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was online trying to get get a loan with XXXX XXXX XXXX and XXXX XXXX and they asked me for my bank log in and password and they put XXXX XXXX and XXXX XXXX dollars into my account and they told me that I had to pay it back. With XXXX XXXX XXXXXXXX they told me that I need to to XXXX and purchase money cards which I still have and put a amount on there to pay them back to get the loan same thing with XXXX XXXX. I had gotten an email from my bank and I called them this morning and they told me that a check was put into my account and the check bounce it was not a good check. I also gave them a picture of my ID and my social number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions 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 checked XXXX website and I discovered I have a debt collection with a company called XXXX XXXX XXXX XXXX. The information from XXXX says I opened the account on XXXX XXXX for an amount of {$3000.00}. I did not take a loan out and I have no idea where this came from. I have bank statements to show I never received or taken {$3000.00} from this company called XXXX XXXX XXXX XXXX I disputed with XXXX but they denied my claim.

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 2023-11-02
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX around XXXX I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX to apply for a vehicle. XXXX XXXX is the Vehicle XXXX handling the credit application for the vehicle. He was informed I would be using the XXXX for my business that is owned by XXXX XXXX XXXX XXXX XXXX and XXXX this is a Consumer Credit Transaction. He informed me that the credit application had been given to the XXXX XXXX XXXX and ran to XXXX XXXX for the extension of my credit. Actually, it appears the request has been sent to XXXX different banks and XXXX XXXX does not appear on that list. However, I confirmed XXXX different times that my credit is approved for the white XXXX XXXX LS XXXX ( XXXX : XXXX ) but I was told a down payment of {$5100.00} is required first. The standard price for this vehicle is {$26000.00} and total vehicle price is {$28000.00}. I am not sure how much the loan approval was for, as I was not told, but the offer to use gold/silver was presented. I thought per the Gold Clause Act and laws referring to lawful money, this would mean that the full satisfaction of the debt would be met by doing so. The XXXX XXXX XXXX stated he would use the gold/silver for up to 75 % conversion. 
As the single owner XXXX '' individual '' /unincorporated association XXXX XXXX assumed the Consumer Credit Act ( XXXX XXXX ( XXXX ) would apply to my application as well as the proper endorsement " by : XXXX, XXXX XXXX ''. 
Per the FCRA, XXXX XXXX XXXX, XXXX XXXX XXXX a ( b ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( f ), XXXX XXXX XXXX and XXXX XXXX XXXX I am requesting clarity and guidance. This business seems fair and has been kind to me thus far, and I would like to commence my business with them, but our information seems to be conflicting at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX 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 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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX but is still currently reporting on TransUnion and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent to me.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 received a copy of my credit report there were incorrect addresses, phone numbers, and employers information that isn't mine. Also, two inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I want this all removed.

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 2023-06-21
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, My unauthorized charge claims were denied without an investigation and an explanation. 
I will be writing to my state representative, The Consumer Financial Protection Bureau, The FTC and the Federal Reserve. I will also be speaking with attorneys to go over my legal options including arbitration with XXXX. ** '' My original inquiry : I'm trying to keep my composure. Please bare with me... I would like to report multiple unauthorized charges that just occurred. I do not recognize these charges. I always assumed I misplaced my physical card ages ago in my home, but apparently it was either stolen or lost outside. Ever since the I have only used Cash App for digital purchases. Please, please help me with this situation. I'm literally shaking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached an FTC report with a fraudulent account and fraudulent inquiries

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 2022-07-25
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was owed 5 years ago in which I paid my current rent moved from the property. The property has since went out of business and this company is still reporting my debt to the credit bureau I need this removed from all credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: LA
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 accounts listed below have violated my rights : -XXXX  XXXX, {$720.00}, XX/XX/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 XXXXXX/XX/XXXX 15 U.S.C. 1681 section 602 A. states that have the right to privacy.

15 U.S.C. 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instruction.

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