BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for a loan mod in XXXX XXXX. XXXX XXXX XXXX I was informed they did n't have enough time to get the documents into underwriting. XXXX XXXX XXXX was the scheduled auction date on my home, so I filed BK chapter XXXX to save my home. If XXXX XXXX I did a chapter XXXX conversion to chapter XXXX. The bank went back to the court to have the stay lifted, on the grounds that I was 15 payments behind. That was not true, but I did n't have the necessary evidence with me to prove that. I have a payment history report from Nationstar Mortgage XXXX TX showing the payments and the date they were received. They charged me an enormous amount in interest when my note says not to exceed 4 %. They proceeded with foreclosure because the courts lifted the stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, XXXX OF XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX 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 2021-07-08
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Need to get a lien release from CitiMortgage account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma 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 2016-09-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage ( XXXX, TX ) did not impound my property taxes and property insurance for over a year - their error caused my escrow account to be short {$3900.00}. When they discovered their mistake NationStar forced me to take out another loan which they are again collecting interest on. To payoff the new loan, my wife had to get a new full time job. 
Details : XX/XX/XXXX we refinanced our home. Our mortgage was with XXXX XXXX for $ XXXX/month. The mortgage was sold to NationStar Mortgage and that 's when the problems began. XX/XX/XXXX, NationStar audited our mortgage account and said there was an overage in the escrow where our property tax and home insurance is impounded. NationStar re-adjusted our mortgage payment to $ XXXX/month. I took issue with this adjustment and called NationStar and had them re-check the new figures. They assured me that everything was in order. XX/XX/XXXX NationStar found their mistake and sent me a bill for {$3900.00} and insisted it be paid immediately. I could not pay, so NationStar forced me to take out another loan with them to pay for their mistake. NationStar is earning interest on this XXXX loan at my expense - now I 'm stuck me with the burden of paying off XXXX loans. As a direct result of the NationStar mistake, my wife had to get a new full time job. This never should have happened. NationStar should be held accountable for their mistake. I immediately sent a certified letter strongly stating my discontent to their company president, XXXX XXXX, asking that NationStar be return my mortgage back to the correct amount of $ XXXX/month and they restore the missing {$3900.00} to my escrow account. Neither XXXX XXXX XXXX or anyone else from NationStar responded to my demand letter. Please help me hold NationStar responsible for their own errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date XXXX Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX Date of XXXX XX/XX/2023

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

After researching my state treasurers website I found that neither Transunion, nor XXXX XXXX and XXXX XXXX are NOT legally licensed in the State of Texas to operate as a debt collector or reporter. I have reported the above listed companies to the Texas State Treasury XXXX Department. 

The following must be deleted immediately : 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. I contacted the furnisher because I feel like the bureau is disregarding my efforts and so they agreed to UPDATE and REPAIR my account. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

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 2023-03-18
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting a different amount owned with every credit bureau for the same company, I recently sent the debt validation letter from the CFPB site and this company removed XXXX account. ( no response ) This is the XXXX  time I have reported this company removing accounts. 

Also I was covered by XXXX and XXXX during the time of these charges and all other medical claims were paid these accounts were incorrectly billed

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 2023-07-09
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My XXXX XXXX XXXX was originally financed thru SunTrust. Within a year or so it was bought out by Truist Bank. The truck was totally around the XXXX of XX/XX/XXXX. I was told on XX/XX/XXXX. That I still owed XXXX XXXX and some XXXX to finally close this account. A made XXXX, XXXX, and in XXXX I paid the difference in the balance and the GAP payment. After my insurance paid, GAP paid and I paid the difference in GAP. I talked to several people though this entire process and not one of them ever told me that Truist will not back date to the date of loss. It is unfair. The lady I talked to on XX/XX/XXXX, told me that SunTrust did back date total loss account but Truist Bank does not back total loss accounts. The account still has interest added and will until the balance is XXXX. Their policy is to not back date any total loss account and all she could do is wave a XXXX XXXX late fee because I didnt made a full payment and the balance was not XXXX. All this time Im thinking they are going to back date the funds and not one employee told me they dont NOT one person. Why demand a total loss date when Truist Bank knew they would Never honor it. This is unfair.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Account XXXX XXXXXXXX XXXXXXXX XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Balance : {$2300.00} I'd appreciate it if you could update this reporting account as soon as feasible. Account should be rectified as soon as possible if you do not comply with the 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX  after the birth of our child, we discovered fraud from our savings account, automatically linked online to our checking account ( by Wells Fargo, not us ). Someone was transferring amounts from our savings ( for a future house ) to our checking account on a daily basis, sometimes multi a day, basis. They would then pay for XXXX linked out of California, usually right at XXXX After a year battle, we got about 3/4 of our money back, but was told the other funds were " too old '', This had been going on since XXXX consistently. We trust our bank to help us watch our ( never touched ) savings account and were never notified of abnormal purchases Imagine the horror in the early morning hours when we were looking to buy a house that most of our savings were gone. Wells Fargo was horrible to work with. We spent many hours and days over the phone. I can tell you years later, I had an account with someone else who notified me the minute any fraud charge was eve detected. Wells Fargo never did. The head of Wells Fargo was contacted and never replied.

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 2016-09-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortgage in XXXX, Texas extended an offer to give me a Loan Modification. I accepted this offer. I was current on my mortgage when the process began. The letter they sent said the trial period was 4 months long. The letter said if I sent more money than the trial amount it COULD ( NOT WOULD ) affect the trial. I was never told it would cancel the trial. They extended the trial by a month, did n't tell me. Cancelled the trial, without a letter. Sent me a letter telling me I 'm late on my mortgage now by {$2600.00}. ( I was current before the trial began ). Now I 'm in danger of losing my house. They are blaming the government for this. Saying it 's all because I sent {$25.00}. extra instead of the exact amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Chime account information was compromised and my card information was stolen and used without my permission. Exactly {$450.00} was stolen from my Chime account. 

I filed a dispute on XX/XX/23, and Chime denied my dispute not even 48 hours later. I then filed a rebuttal, and Chime denied my rebuttal not even 48 hours later. 

Under regulation E, I am entitled to my money back. Yet this financial institution, is denying me my money back even though my money was fraudulently used. Chime knows my account information has been compromised from previous disputes, yet they are denying that my information was compromised and my card was used fraudulently. How does that make any sense? 

Theyre investigating process is not very good at all, and they did not even look into my issue for more than 38 hours. They issued me a new card, but did not issue me my money back. How does that make any sense? 

I am now out over {$400.00} due to theft and my account being compromised, and Chime is if no use even though under Regulation E which is what my case falls under : They have to give me my money back. 

How can a company blatantly break Regulation E?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Customer service representatives did not facilitate the state-to-state transfer in accordance with XXXX  policies or state law. 
Customer service representatives did not take responsibility or accountability for correcting their mistakes in a timely manner on multiple occasions. 
Customer service representatives refused to let me speak to a supervisor on several occasions. 
Supervisors/Specialists did not take accountability or responsibility for correcting the errors and facilitating the transfer in accordance with XXXX  policies. Customer service supervisors failed to assist when it was clear that the representatives had repeatedly dropped the ball and failed to take care of the issue. 
XXXX released my private, electronic financial information to an entity that I did not request nor consent the release be made ; in fact XXXX  released my private, electronic financial information to an entity that I expressly stated I did not it released. 
6. I filed a written complaint with XXXX  via certified mail. A representative called me when I was unable to take a call, twice. I have called back approximately 10 times and left messages with the representative requesting a call back and have not received one. When I call the customer service line, I get a representative who can do no more than what happened for the previous months trying to get this handled. 
7. I am getting emails from XXXX with someone elses name on it which has me highly concerned for the privacy of my own information and what will happen to my title once the car is paid off. 

I need help getting my title transferred to the appropriate DMV in a timely fashion. 

I have a significant amount of detailed additional information about this issue.

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 2023-04-27
Company: EQUIFAX, INC.
State: AZ
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:
A letter was sent to XXXX Account number ( XXXX ) for identity theft. 
After receiving my letter they responded with a letter I will upload. Where my alleged account was sold to XXXX XXXX this company is not showing on my consumer report. Therefore, since XXXX can not verify my account I demand this account be deleted immediately. Everything on my credit should be 100 % accurate. 
15 U.SC 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 resonable cause to believe that the information is inaccurate.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have an account with CapitalOne, my account has been frozen ( for verification reason ) and I did not receive communication/notification about that. As a result of frozen status founds have been returned to sender ( XXXX XXXX, I have been been dealing for many days trying to get the founds sent to another account or getting a formal / physical latter from capital one that account is no longer frozen. 

Had I had been notified about the frozen block, I would have resolved the situation and received founds. It's $ XXXX that's been blocked which has been affecting my family very much since I'm the only breadwinner and I only receive founds via XXXX.

Company response to consumer: Closed with explanation