BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
They are reporting negative history to my credit report for a debt they purchased from XXXX XXXX XXXX on XX/XX/XXXX. That debt was included in my Bankruptcy that was discharged in XX/XX/XXXX. It 's now showing up as a recent ( XX/XX/XXXX ) charge off. I called them directly and they referred me to their collection company XXXX to resolve an issue they never should have charged off. They never should have purchased it to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The deed of assignment was put in a repurchased remic XX/XX/XXXX. XXXX bought cwmbs reperforming loan remic trust certificate series XXXX back. And if the remic was valid then how come the security exchange commission, XXXX. XXXX, XXXX, XXXX, And XXXX, etc have record reports saying it was closed XX/XX/XXXX on a XXXX form. So again if the that deed of assignment is actually valid the how come no one has been reporting it to the sec since XX/XX/XXXX. Also again concidering its been repurchase then XXXX XXXX XXXX sold the mortgage to XXXX as the trustee violating the sec regulations. And giving the service rights to nationstar mortgage as well with the improper deed of assignment. And how come all of a sudden hud has no record of any of the paperwork on this mortgage as of XX/XX/XXXX. So it is clear that nationstar mortgage thinks official documents from the the sec are invalid. The master remic paperwork for the remic series XXXX, XXXX XXXX mortgage pass-throught trust XXXX file number XXXX is invalid as well.

Company response to consumer: Closed
Consumer complaint received 2016-01-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been receiving numerous communication of misleading information as to name and information of a true Creditor, Accounting and Personal information mixed with a different Debtor. 
One example in one written notice I received it even had my bankruptcy filing information such as case number having the first digits mixed up too.

Company response to consumer: Closed
Consumer complaint received 2022-12-04
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021, Chime bank sent me an email informing me that my account had been placed on " hold ''. However I found myself completely blocked from all access to the account, an Chime support team asked for documents verifying some of the account activity ( specifically both {$10000.00} & {$20000.00} deposits made from XXXX  XXXX, a company contracted by online gambling site XXXX XXXX  XXXX. ) I'm in proved all the asked for documents including a detailed list of all transactions depositing funds from the cash in outs I had made in the online gambling platform ; still this was not sufficient for chimes support team. I continued trying to satisfy their verification requests until they started asking for verification of transactions that did not even occur on my account, and eventually they closed the account completely and still are refusing to return the remaining balance still in my account, a total of about {$10000.00}. I've been trying to get this issue resolved for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX I deposited my unemployment back pay check into my bank account. It was immediately placed on an extended hold because of the amount which which was understandable, and the XXXX the check was to be made available. Im attempting to fulfill my financial obligations and request a wire transfer, this is completed and I go about my business with no issues. I call in to verify the wire because for some reason when it comes to wires XXXX  seems to lose verification information and to clarify this means when Im supposed to give my additional information to verify my transfer Ill have multiple calls from reps asking me to verify my documents as if Ive never sent them to begin with. Im making several calls to discover to not only alert them that Im making payments but I also had a lengthy call about increase my spending limit. This is all COMPLETED, and I proceed to send money when I receive a text while on the phone with discover that my account is being frozen for fraud and suspicious behavior. I call immediately and am told the wire and everything else would be locked because my received word that the check was in bad face from the company that sent the check. Makes absolutely no sense and I find myself no funds, no access to funds and a family that is lacking groceries and other necessities because of a severe lack of communication. I upload on the XXXX my drivers license, the teller check receipt. Im told in 2 days Ill receive a word back, every call since has been different information regarding expected times and expectations. Im told the only way they can verify is if they speak to the bank that wrote the check. Hold times are egregiously long, but they cant spend enough time on the phone waiting. My money and my life are on pause because my bank doesnt have the time to spend waiting on extended hold times? Is there some unspoken time limit to assist and why do I find myself begging and pleading for help and anyone to assist. Im polite when Im on the phone, Im understanding, Im Cooperative and I understand that there are security measures but when I have so much at stake is waiting 20 minutes on the phone to much to ask? I have initiated every call from the XXXX to current day and when you hear the automated voice from the banksay theres extended wait times and I have to be on the phone as well to confirm information and Im waiting on the phone as well, is 20 minutes of someone, anyones time to much?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My current mortage that is held thru Specialized Loan Servicing has a previous ballon payment that was done as a loan modification with XXXX XXXX XXXX XXXX my understanding of this modification was that it would reduce my payment an add 10 years to my mortgage Specialized loan Servicing has this amount listed as a ballon payment that will be due at the end of my Loan but continues to add this amount to my current principlae balance on my credit reporting making it look as if in the last 13 years I have only paid 4 % of my mortgage this is greatly reducing both my credit score and my credit utilization. I have made several attempts to coorect this with both the Company as well as the Credit reporting agencies to have it corrected for one month and then go back to reporting incorrect. The other question i have raised with Specialized Loan servicing is the amount of money that is being appled to my principal balance each month last month a payment of XXXX only XXXX was applied to my current principle balance after 13 years of paying on this mortgage my amooriztion should be higher than this. When i questioned this I was told it was because of the loan modification that I did this dosent seem accurate 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 2022-02-07
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an XXXX XXXX XXXX XXXX XXXX ( Order # XXXX ) and it was delivered to me on XX/XX/XXXX. 

On XX/XX/XXXX I received my credit card statement dated as of XX/XX/XXXX. On Page 4 of the statement it was noted that I had two Apple Card Monthly Installment dated XX/XX/XXXX for {$650.00} each ( a total of {$1300.00} ) which is incorrect given that I only purchased one XXXX as noted on the purchase order above. 

On XX/XX/XXXX I called Goldman Sachs Apple Credit Card XXXX after several attempts to resolve the issue via text message chat ( Apple 's preferred method for customer service ). I was transferred to multiple people and was told that my issue was going to be resolved and that someone would reach out to me. 

On XX/XX/XXXX I received as email at my email address on file ( XXXX ) stating that they had tried to reach me and were unable to. I reached out to them right away and I was told that my account had been blocked due to 'Fraud '. They said it was because the phone number on file was not my phone number. I told them that was my old phone number ( XXXX ) which I no longer used. I gave the agent my correct number ( XXXX ) XXXX. They told me that someone was going to reach out to me to verify my identity. Meanwhile, they could verify my identify by using a combination of the last four digits of my social + Date of Birth. Why my new phone number was a valid reason to flag my account for fraud without any fraudulent activity recorded on the account is beyond unprofessional and unwarranted. 

After about two ( 2 ) other attempts to reach Goldman Sachs Apple Credit Card services, they have failed to resolved my the error on my credit card statement and my account remained blocked since XX/XX/XXXX. 

On XX/XX/XXXX I contacted Goldman Sachs Apple Credit Card to make my monthly credit card payment ( as a responsible card holder ). The agent told me " THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. I asked why that was the case, she responded that my account is past due. I asked why my account was past-due and she said because I had not made payments - I told her I had not made payments because my account is blocked. My account is blocked which means : 1. I can not access apple card through the 'Wallet ' App on my XXXX 2. I can not log into https : //card.apple.com/ to make payments 3. I can not view nor have I received my XXXX Credit Card statement form apple or Goldman Sachs . 
I am left with the option to call them and make payment which I did only to be treated a delinquent customer even with the over 3years I have held that card. 

I did not make payments in XXXX because my credit card statement is incorrect and they have taken over 1 month to resolve to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-06
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:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2016-02-27
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is about Nationstar Mortgage, which holds the mortgage on my primary residence. I recently set up for online autopay of my monthly mortgage. On XXXX XXXX, I noticed, upon checking my Nationstar online account, that the company charged me twice for my XXXX payment. I notified them promptly via the online correspondence form provided on the website. A few days later, I got a response saying I need to send them a faxed copy of my account statement showing that they charged me twice. I emailed them back and asked if they can just transfer that overcharge to my XXXX payment. Instead, they gave me a generic response saying a customer service specialist will contact me in 5 days. At this point, it 's already the end of the month and my XXXX payment will be due. I believe they are intentionally making it difficult for their customers to receive their refund and they are hoping that they can discourage their customers from demanding them to rectify these mistakes so they are inherently making customers pay extra for the loan interest. If it takes them a split second to charge me twice on my account, and this is their error, it is unethical business practice to delay refunding their customers. They should not be allowed to benefit from using online bill pay service if they are abusing this and victimizing their customers. While this is supposed to be a benefit for their customers, they have used it to steal money from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: MN
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:
All of the Consumer Report Views/Soft Inquiries listed on my XXXX and Equifax credit report from XX/XX/XXXX to XX/XX/XXXX are all fraudulent and unauthorized soft inquiries listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 unable to access personnel when calling the dedicated toll-free numbers during normal business hours. This has been with XXXX, XXXX and Transunion. During normal business hours, countless calls to the dedicated toll-free numbers received a busy signal or message indicating that I must call back because all representatives are busy. Unreasonable hold time while waiting to speak with personnel during normal business hours. Section 609 ( c ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681g ( c ) ( 1 ) ( B ) XXXX, TRANSUNION, and XXXX are obligated by the FCRA to report accurate accounting. I have advised ALL the hard inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed. I am now requesting ALL XXXX agencies to provide the documentation used to determine inquiry was indeed authorized by me. They have 15 days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature, I am not asking for an E-Oscar report. IF XXXX, TRANSUNION, XXXX do not provide documentation to show these were in fact authorized, it MUST be removed ASAP. SAID company 's are liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB Forms to audit my consumer account. These companies are securitizing my consumer data yet refuse to provide me with a copy of their consumer file, NOT a consumer report. 

XXXX XXXX file number XXXX TRANSUNION XXXX XXXX Number XXXX XXXX XXXX File Number It is also to my attention that XXXXXXXX XXXX  has charged-off a debt owed without provided me with a 1099-C The creditor sent a copy to the IRS. If I don't acknowledge the form and income on your own tax filing, it could raise a red flag. Red flags could result in an audit or having to prove to the IRS later that I didn't owe taxes on that money. Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. I have called several time to retrieve the 1099C and I'm being met with being put on hold for long amounts of time then disconnected. I am not sure if my account is flagged when I call but I cant seem to get through.

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 2022-02-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
THIS COMPANY IS A FRAUD BASED COMPANY I AM EXPOSING THEM I HAD COVID FROM XXXX TO XXXX IN XXXX I NOTIFIED THEM AND THEY MARKED MY PAYMENT FOR XXXX AS 30 DAYS LATE THAT IS XXXX  I PAID XXXX ON TIME AND THEN WAS ADMITED INTO ICU FOR COVID THEY CAN NOT MARK ME NEGATIVE WHEN ALL MY PAYMENTS HAVE BEEN ONTIME AND I WAS EFFECTED BY PANDEMIC AND THEY KEEP SAYING THEY WILL FIX IT AND DO NOT RESPOND TO EMAILS AND WHEN YOU CALL THEY ARE ALL FOREIGHNERS AND HTEY HAVE NO IDEA WHAT THEY ARE DOING THEY LIE MAKE FAKE PROMISES AND EVERY ONE ONLINE IS COMPLAINING ABOUT THEM I WANT THIS REMOVED NOW OR I AM RETAINING A LAWYER FOR CAUSING ME HARDSHIP FINANCIALLY DUE TO DESTROYING MY CREDIT REPORT I DEMAND THIS RESOLVED.

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 2023-06-01
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: Information belongs to someone else

Complaint:
I was in a marriage with a XXXX  for over 26 years I was broken and lost as to what to do. One night I gained the courage to leave and was taken in by family and still am in the process of healing. In order to begin my next steps I gained copies from all 3 credit bureau and was devastated to what was on it. I had checked my credit around XX/XX/XXXX and it was a XXXX. So when I got the most recent I cried and almost just gave up. But I couldn't do that not to myself or family. I called all 3 credit bureau and asked for incorrect information to be removed and gave all 3 new address and phone number. To my surprise I wasn't allowed to remove some of them because the credit bureau said they were tied to my name. There are 2 Social Security numbers on there. And a mans name!!!!! From there I just sat idle I started a business for myself and just continued to make ends meet because I spoke with my bank and was told with my score it would be near impossible. I did some research and decided to do what I could. I paid my XXXX  account in full and through XXXX XXXX was able to get a small line of credit through XXXX. On my credit report there is one collection agency that is adding fines, fees, something to its balance monthly. I have no idea who these accounts are. I would like to share XXXX XXXX XXXX there are 4 files they have added on my report. I am going to list them now same agency XXXX XXXX XXXX. 1 ) XXXX XXXX from XXXX XXXX XXXX one amount is XXXX the other is XXXX 2 ) XX/XX/XXXXXXXX XXXX XXXX XXXX one amount is XXXX one is XXXX 3 ) XX/XX/XXXX XXXX XXXX XXXX one amount is XXXX one is XXXX 4 ) XX/XX/XXXXXXXX XXXX XXXX XXXX one is XXXX one is XXXX. 
I have closed accounts from over 9 years ago on my report. And to date there are 25 hard inquiries. I am lost as to what to do so I begin here thank you for your time

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 moreover 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 explanation
Consumer complaint received 2022-02-05
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've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help me.

Company response to consumer: Closed with explanation