BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-16
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan # XXXX Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX This is an addition to Complaint/Case # XXXX despite repeated payment of my Mortgage due on XX/XX/XXXX, Nationstar Mortgage returned the payment without any reason. First off, I have been hospitalized since XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. Consequently, I am not in the US. I am in XXXX. The address of my family is the following : XXXX. XXXX, XXXX XXXX, XXXX Tel : XXXX XXXX XXXX. 
Now, Nationstar Mortgage has absolutely no reason to refuse the monthly payment. I am XXXX Veteran. My ONLY source of income is my VA XXXX and an allowance from the Social Security Administration. 
I became eligible and approved for a Permanent HAMP-Making Home Affordable Program. Consequently, the amount due/Mortgage Payment is PERMANENT for a period of six years, providing that I do not miss any payments. This is exactly what Nationstar Mortgage is trying to achieve, by refusing the monthly payment Nationstar Mortgage has made repeated attempts claiming that I have missed payments, because this will automatically cause me to lose this Permanent HAMP Program. However, the XXXX immediately sent Nationstar Mortgage Bank Statements clearly indicating that absolutely no monthly payment was missing. All payments are automatically sent on a recurring basis. Nationstar continued their extremely aggressive campaign of calling my house several times during the day and night-repeatedly, non-stop with claims of missed payment. In XX/XX/XXXX, I received an email and phone calls that my house was broken into. XXXX, I flew home. However, I XXXX had to be rushed back to the hospital. Once more, I have a permanent HAMP Loan. Nationstar Mortgage can not increase the Loan or refuse Payment. XXXX, and XXXX willing, I am hoping to be back in the US in XX/XX/XXXX/XX/XX/2017. Nationstar Mortgage has a history of repeatedly trying to force Foreclosure Proceedings, claiming that monthly payments were missing. This is the fourth time that I have filed a grievance or complaint, and they simply ignore the complaint, and after a while, they start the harassment all over again. I am XXXX Veteran, XXXX years old, very sick and unemployable. I can not afford an Attorney. Please, please help me to end this terribly nightmare. You must insist that they reply to this complaint. They have failed to reply to all of the other complaints made. This XXXX has caused serious setbacks, XXXX. If this keeps up, it will eventually XXXX. Please, XXXX help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Borrower 's applied for a XXXX short sale along with an offer from a pre-approved XXXX. The XXXX, XXXX asked the lender for XXXX. The XXXX did not respond. Consequently, he requested XXXX directly from XXXX. The valuation determined by XXXX is {$320000.00}. The XXXX, submitted a Valuation Dispute and submitted a XXXX from an independent party. The XXXX was {$280000.00}. Current offer is for {$270000.00}. The foreclosure sale date is scheduled on XX/XX/2017. XXXX has requested a postponement of the sale to allow time to review valuation dispute. To complicate matters the property is listed on XXXX for {$200000.00} as an opening bid. XXXX has asked the lender to remove the XXXX listing since it conveys to public that the property can be bought for this amount. Meanwhile, the XXXX as the property listed for {$290000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The interest rate is 844.8 % I was advised that in the state of New Jersey in which i live, that is illegal, they can only charge 30 % yearly. An {$800.00} loan is going to cost me {$3000.00}. Now don't get me wrong I want to pay my debts but at a fair and reasonable rate. Amplify states that i have to follow tribal laws but i am not a tribesman nor do i live on a reservation. If they are going to sell a product to someone in New Jersey than New Jersey laws need to be followed not their own. I am discontinued payment until a reasonable rate/agreement can be made. I have revoked the ach authorization and expect amplify to honor my wishes and request as stated in the email they sent me telling me they would.

Confirmation from amplify Good morning, This email is to communicate that I have documented and applied your ACH revocation to your account. Amplify Funding does not accept debit/credit cards, so your other payment option would be to mail your payments in or authorize a one-time ACH payment over the phone. Please keep in mind that mail-in payments do take a little bit longer to process and post to your account so please try to mail in a few days prior to your due date to avoid the possibility of late fees being added to your account. 



Although your payments are not scheduled to run through your bank account anymore, they are still due. Your next payment is due on XX/XX/2018 for {$240.00}. Please let me know if there is anything else I can help you with. 





Thank you, XXXX XXXX XXXX XXXX Amplify Funding P.O. Box XXXX XXXX XXXX XXXX WI., XXXX ( XXXX ) XXXX XXXX From : Sent : Thursday, XX/XX/2018 XXXX AM To : Customer Service Subject : Ach revoke Please discontinue ach debits from my bank account. Enable online payments so i can pay online. 



Send email confirmation that you have done so. 



Thanks in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-03-22
Company: EQUIFAX, INC.
State: DC
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: Investigation took more than 30 days

Complaint:
Currently I have been in the process of getting a mortgage. I started this process back in XXXX of XXXX. I began the search of lenders and discovered that I had issues to resolve with my credit report. I discovered discrepancies with all three bureaus. I had cleaned up my credit and settled some debt at the same time I deputed something and let time pass so my scores would increase. In XXXX a dispute was on my credit report. I had the disputes removed and my scores dropped to significantly. In XX/XX/XXXX I began to build more credit and produce 2 trade lines which appeared in XXXX and in XXXX taking my scores up between all three bureaus. I had my credit report pulled on XX/XX/XXXX and on the consumer reports my credit scores were XXXX, XXXX equifax, and XXXX XXXX. My lender pulled my credit and the disputes back in XXXX reappeared. I called to have them removed and at the same time I had 2 trade lines to post, XXXX increase on student loans to appear, removal of the disputes which caused my consumer scores to go down to XXXX for XXXX XXXX which I loss 66 point from an account being in dispute since XX/XX/XXXX which wasn't made aware to me, XXXX XXXX a loss of 53 points the same XXXX XXXX acct dispute was removed, and a loss of 35 points within days of removal of the dispute which was placed on my acct. back in XXXX caused extreme damage to my credit report. I am writing this dispute because i dont think it was lawful for the bureaus to be able to impact my credit significantly when disputes are suppose to be resolved within 30 days. These disputes were placed on my accounts in XXXX and removed in XX/XX/XXXX. Are credit bureaus allowed to deducted 50 or more points with no significant changes on ones reports or trade lines? This has and still is causing a significant problem for me and my family. I am not able to complete the lending process because of the inaccuracy reporting between all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
transunion charge my credit card XXXX every month till date for monthly subscription Fee however i never created user login ID into their website and did not subscribe any membership, I never login into their website since they started charge my account. 

They charge my credit card total XXXX = XXXX XXXX wanted check if they check the issues and refund my amount 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 2022-02-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Greetings, I have an issue Midland Fund has been garnishing funds out of my check from XX/XX/XXXX till present for a company name XXXX.. The creditor ( XXXX ), I never open an account with them ; when I called Midland on XX/XX/XXXX to rectify the issue, they said that the account was opened XXXX to XXXX. I also called the school legal specialist about it and he said that Midland went to court and the judge signed the request to garnish funds out of my check from XXXX XXXX XXXX XXXX XXXX. Here 's the total amount to be paid to the Plaintiff includes the Final Judgment amount of {$1700.00}, plus postjudgment interest pursuant to 55.03, Florida Statutes, from the date of the judgment, and post-judgment court costs, less post judgment payments received, for a current balance of {$3600.00} which shall continue to accrue post judgment interest until paid in full. Any funds remitted by the Garnishee to the Plaintiff prior to the entry of this Order are being held pending the disposition of this Order. 
All and all, this XXXX credit line was not open by me in XXXX to XXXX and I believe it is a fraud and I would like the money back which they garnished out of my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: DriveTime
State: DE
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 did not contact these companies

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 2023-08-04
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 recently took a look at my credit report and notice several trade lines that don't belong to me. XXXX and XXXX XXXX. I call in and spoke to a rep. She told me that these accounts are business accounts. I never own business. She also mention that it is company by name XXXX XXXX XXXX XXXX XXXX. I have no business with or know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2020-07-07
Company: Penn Credit Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a account with XXXX  and this company sold it to 2 different agencies and now they both charging and showing on my CR. I called all of them they not helping me. Keep saying dispute one and nothing happen. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-06
Company: EQUIFAX, 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:
I have been a victim of identity theft, see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, I received a text message from Wells Fargo Bank alerting me to a potentially fraudulent charge on my account. I in turn logged into my online account, shut down my debit card and called my local bank to tell them I did not make the {$730.00} in charges. I was told the local branch could not help and to call the toll-free number. I did that and was severely questioned by the customer service representative, regarding my debit card purchases. Then I was given a claim number, and the representative hung up on me. I had to call back and speak to a claim representative, who assured me the bank would contact XXXX, to let the business know the charges made were fraudulent, and then, I was told that since the charges were not made by me, the charges would be reversed. That did not happen. 
On XXXX, when I called Wells Fargo back I was told that it was up to XXXX to choose to refund my money, and if they do not then, Wells Fargo would not refund the charges. I was made to feel like I was criminal by the way I was treated. 
I ended up contacting XXXX myself, and the business confirmed it appeared there was fraud, but they needed the bank 's confirmation. The XXXX representative asked me to have Wells Fargo contact them. 
I called the claim department again, and I was basically called a liar, and I was told it was not Wells Fargo 's job to let the business know about fraud. They admitted they did not contact XXXX and said they would leave it up to XXXX, even though it was a debit card. I asked why I was told different information on XXXX, and the woman named XXXX said the information from the other claim representative was just wrong, and the bank could not do anything to help me. It would be up to XXXX. 
At this point, I feel like I have been treated like a criminal and the bank has failed to protect my rights and my money.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-11-23
Company: EQUIFAX, 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 disputed with the Equifax and with the creditors the referred accounts, and requested proof of consumer contract and proof of payment history as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. XXXX  XXXX XXXX XXXX responded to my request that they were not able to send proof. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have disputed these accounts with Equifax and they always respond that the creditors " VERIFIED '' the account. I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF THE LATE PAYMENTS. NO PROOF IS EVER PRESENTED. 

THEY ALWAYS RESPOND TO MY DISPUTES WITH " ACCOUNT WAS VERIFIED. '' I DEMAND TO SEE PROOF!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: MD
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 account below has violated my federally protected consumer rights and must be deleted for inaccuracy because it continues to report activity after the close date of XX/XX/2020, also this account shows a past due balance of {$1000.00} which is inaccurate. A closed/chargeoff account must NOT show a past due balance ( after it was charged-off with the IRS ) or show ANY activity after the account closed date. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief