BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: STONEGATE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind after starting my own business I fell into foreclosure but fully reinstated and I was on track again. Few months past and I got injured working mind you I am running my business alone. I fell behind on my payments the house went into foreclosure I kept saving money to reinstate. I applied for a workout packet to see it I qualified for a loan modification or some sort of assistance. Well in the interim a sale date was placed on the house so this now becomes a very time sensitive matter. I sent in all required information even though I was after the dead line of 10 days before sale the mortgage lender made an exception to review my packet. I spoke to a few representitves after they has a complete packet and I stressed the fact I did not want to lose my home and that I can reinstate I wanted to wait to hear wether or not they can help me in a workout plan. Well Thursday before the sale on Monday I was told to relax your house is not going to be sold we will put a hold on the property as we review the packet but come to find out they never did the house was sold and no one contacted me until after the sale saying I was denied any assistance or loan modification which I clearly asked to be notified asap but then it gets better, the Monday of the sale in my mailbox is the letter of denial backed dated for XX/XX/XXXX saying I was denied which in they knew on XX/XX/XXXX how come when I called they said it was still in review i did n't need to worry and to go have a drink or a nice dinner and relax your house is safe and someone will be in contact with me once they review the packet. So now come Monday my house is sold, I was given false information which would have saved my house from the sale and i would have reinstated if I would have known on XX/XX/XXXX or XX/XX/XXXX when i called that I was denied and everything would be fine and everyone would be happy. I called to see what we could do to make this right and they say nothing we 're sorry. So I am taking further action before the transfer of the deed to try and reinstate and save my home, my credit and my image as a man. I believe they dropped the ball, and misinformed me and gave me false information to stall and let the sale take place to just be done and that was n't fair to me in anyway because i have the money it just so happened I fell into a bad stroke of luck and now I 'm recovered and doing well so why could n't this be handled in a different matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice from NationStar stating that I had a shortage of XXXX I called Nation Star spoke with XXXX in customer services on XX/XX/2017 at XXXX I asked to speak with an escrow specialist he said he also work wit the escrow I made him aware I was recording the calls because I have had issues such as this problem before. I asked him again was he a escrow specialist, he then connected me to the escrow department spoke with XXXX. I advised her that I was recording our conversation was that ok with her she did n't have a problem I explained to her what the issue were on XX/XX/2017 I sent the shortage in which I was informed I owed XXXX and also XXXX dollar to different payments mailed in separate for my mortgage payment I sends in XXXX to XXXX dollars extra toward my mortgage. I was informed they both went to the principle she could not figure how to repair the problem I then was informed by XXXX a team leader would be working on this issue I asked her what was the person name that would be working on this issue she said XXXX or XXXX the teat lead. I waited I did n't speak with either person I then went on line to check and things were change that I owe more I talked to Anothey I informed him I was recording our conversation he said I can run it again it would be different I told him that is not what I 'm calling for I do n't need to be ran again he said he did n't run it again and told me my shorted was XXXX I said no that 's not true I also have it recorded I owe nothing as far as a shortage every time I go back Nation Star is informing me that I owe more money on my shortage I send extra money in toward my principle and they still are making mistakes on my payments .I have also pay for XX/XX/2017 what would be there next mistake something needs to be done about this issue. If they need extra information I have it recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: ZWICKER & ASSOCIATES
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Zwicker and Associates has called me over 20 times and starts out with a recording stating this is an attempt to collect a debt. They proceed to notify me the phone call is being taped. To my knowledge I do not owe any debt to anyone and pay all my bills on time. I am very careful with sharing personal information and have been the victim of fraud and phishing in the past. When I hold to speak with a person, I inform Zwicker that I do not consent to any phone call being taped. Especially from someone I don't know. I also inform Zwicker that I am not aware of any debt in my name that is under collection. Zwicker then informs me they can not proceed with the conversation unless it is taped. I ask them to either please call me on an unrecorded line or send a certified letter explaigning the debt, since I am not aware of any debt or collection in my name. Zwicker then tells me they are unable to do this and the conversation ends until they call me back. This has gone on for over 20 phone calls. Today I explained to Zwicker the phone calls have become harrassing and they are breaking the law. Zwicker takes the position that if I do not engage them on a taped call they have the authority to gain a judgment against me but they refuse to call on an unrecorded line or send me a certified letter describing the debt they are calling me about. They tell me the phone calls are not harassing and we get into a tit for tat. Then there is a hang up and an hour later they call me back. They are baiting me into a conversation and refusing to tell my about they debt they are calling about. They are very aggressive in tone. Honestly, the first time I requested a certified letter detailing the so called debt, the phone calls should stop. Or call me on an unrecorded line and I would be willing to discuss because I am unaware of any debt collection in my name. I told Zwicker I would file a complaint with CFPB, and they just laugh and say they are not harassing me. Then they call me back an hour later and start the cycle again. This is harassment and must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
- In XX/XX/2017 our Mortgage company changed names from Nationstar to Mr Cooper. 

- During this time our mortgage rate adjusted to a $ XXXX monthly increase. 

- Mr Cooper sent e-mails of the change and approaching rate increase which went into our junk mail because we did not know who Mr Cooper were. We own a retail business and receive hundreds of emails a day, most of them junk ... 

- We continued to send our regular payment through our banks auto pay to Nationstar. 

- We were never late in paying as the attached statement shows. 

- The payments were accepted and held, but not posted to our account. We were not informed of this. No one gave us a courtesy call to say that we were short ( not late ) so it went unnoticed. 

- Four months later we did receive a call from Mr Cooper to say that we had short paid 4 months in a row and it had been reported to the credit bureaus. 

- Interestingly enough, Mr Cooper did call us on XX/XX/XXXX just to " check in '' and make sure that all of our information was correct. At no time during that conversation was it ever mentioned that we had short paid for the last three months. ( I'm sure they record their telephone calls so I'd be very interested to hear that call played back. ) - When we were informed of the shorts we immediately remedied the problem and changed our auto pay to reflect the new payment. 

- Since then I have tried, without success, to reason with Mr Cooper to remove the late postings as a courtesy. It is painfully obvious why we were late but they won't budge on their position. 

- After I had written to the Chairman of Mr Cooper I received a package of information from a case manager basically saying that they did everything right in their methods of trying to contact us and weren't going to reach out to the credit bureaus and help us. 

- The one thing they did not do, was to simply pick up the phone when they received the first short pay in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been requesting verification of the following account that 's being reported on my credit report by Equifax, Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification on XX/XX/XXXX. 
I called XXXX using the number listed on my credit report via Equifax at XXXX and spoke with XXXX, agent ID # XXXX and she assured me a security freeze was placed on my file as of XX/XX/XXXX and such verification was not possible. She also did some research and confirmed that there was NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. Furthermore, XXXX XXXX NOT verify the information that Equifax shows as reported on XX/XX/XXXX. 
I 've contacted Equifax since but they 've refused to investigate. If Equifax can not verify the account when investigated, it must be removed. Therefore, I demand that this public record Bankruptcy # XXXX be removed from my credit report due to lack of verification and inaccurate reporting of verification date! 
Keep in mind that the XXXX agent has confirmed that Equifax 's so-called " verification '' on XX/XX/XXXX did not take place. It was not reported by them because my credit file had a security freeze on it that date and so forth. XXXX do not disclose information on files that have security freezes in place. 
I have disputed this account and repeatedly requested proper verification as well as documentation but Equifax has failed to provide me with any. What I get instead is XXXX address and false records stating " account is verified ''. Again, I demand that the unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT REPORT DUE TO LACK OF VERIFICATION AND INACCURATE REPORTING OF VERIFICATION DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: CA
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:
Dispute letter written to all three credit bureaus separately on XXXX XXXX XXXX XXXX XXXX 

D

ispute : According to the FCRA code 15 usc 1681b ( a ) Any consumer reporting agency may not furnish a consumer report under the following circumstances and no other.

2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written consent for this account to be furnished on my credit report.

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Account furnishing on my credit report : Dept of EDXXXX

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 2023-05-17
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:
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX YOU ARE MY REPORTING THIS COLLECTION AS AN " OPEN ACCOUNT '' WHICH IS NOT UNDER FCRA COMPLIANCE. THIS IS INACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY.

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 2022-10-10
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to pay the fees the bank charged me and I did not have access online and they gave me the run around at the branch. I called and visited the branch and I also asked the banking center manager to give me a call and he never did. my account got sent to collections, I paid the balance ad n I was sent to XXXX and reported as account abuse. I tried to explained what happened and they did not want to listen I was treated like a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2022-10-10
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have reached out to these companies numerous times about the inaccuracies on my report about an XXXX  credit card ACCOUNT # XXXXThey have continued to report my credit report as accurate when it is in fact inaccurate.They have yet to delete this false information. I would just like for this account to be deleted I didnt give permission to have these accounts furnished to my report. Below is inaccuracies circled that are reported from each credit bureau XXXX Experian and 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 2022-10-10
Company: Experian Information Solutions 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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are corrected. 
XXXX XXXX Balance Owed : {$2100.00} - Charge-off XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  ( Original XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  ( Original Creditor:01 XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Original CreditorXXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$530.00} XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$580.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX Balance OwedXXXXXXXX XXXX XXXX Balance Owed : {$1800.00}

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 non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: TN
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, XXXX XXXX account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2021-04-15
Company: First Reliance Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I came out of forbearance in XX/XX/2020/ First Reliance sent letter stating forbearance would be added on to end of loan. after making 4 reg payments. I'm refinancing with another company. For 60 days First Reliance has sent wrong documents and dates. I've been placed on hold for hrs and have been hung up on 6 times in one day. The last was supposedly names XXXX in customer service. She was so horrible that it finally dawned on me that this is a racially motivated attack. I asked XXXX to find me a Caucasian supervisor and she hung up. I've talked to 3 nice people out of over a dozen. I've asked them to please put in their notes all the issues I've had.Some say that they can't email or fax the same day. I've been told 3 days for fax and no emails. Today I was told faxed 2-4 hrs and yes they faxed the wrong information. Wrong information was emailed yesterday and then again today. So I was told just now a new fax would go out tomorrow. Please help as My loan is being held hostage!

Company response to consumer: Untimely response
Consumer complaint received 2023-02-01
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Beginning XX/XX/XXXX I discovered irregulaties on my account, thinking that it came from using the card at different locations. My decision was to ask for a new debit card to be issued. Before XXXX I called where the card was I was told to wait since it was the holidays. 

Beginning of XX/XX/XXXX I asked what was going on, we checked again the mailing address, mind you I get every check, bill and government letters concerning voting, tax at my address without any issues. I even asked my neighbors if they have problem receiving mail none of them has a problem. Again a new card was send out. 

Coming to today XX/XX/XXXX and still no card, I called and got the same answers. 

I find it absolutely unacceptable that I as private citizen had no access to my account for over 2 months. 

Decided to close the account, was told that my small balance ( I have been using another bank for deposits since I need to pay bills ) which will be send to me within 10 business days starting tomorrow. Let 's see if Truist is able to comply with that. 

I would like you to see what is going on, the latest merge of this bank does not seem to go smoothly and customers are at the negative receiving end of this.

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