BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: BMW Financial Services NA, LLC
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:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.

Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 


Please fix the listed account : BMW FIN SVC XXXX Balance : {$5300.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THIS IS JUST EXTRA PIECE OF DOCUMENTATION PROOF OF MY IDENTITY THEFT. I TRIED TO UPLOAD TO service.transunion.com/ BUT I COULD NOT UPLOAD THERE FOR SOME REASON, I guess because of current dispute, SO I AM SENDING IT THROUGH THE CFPB PORTAL..BASICALLY IT IS THE DIGITAL COPY OF THE OFFICIAL POLICE REPORT! ..PLEASE ADD THIS DOCUMENT TO THE FRAUDULENT ITEMS THAT I AM DISPUTING ON MY CONSUMER CREDIT REPORT! ..THANKYOU

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 2022-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX / XXXX / {$450.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the 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 explanation
Consumer complaint received 2015-11-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage LLC has not sent me Loan Statements for XXXX loans I have with them on XXXX rental properties for since XXXX, 2012. I am in Chapter XXXX Bankruptcy to modify these loans. The modification plan was approved by the Court in XXXX 2012. I have no idea if they have modified these loans, what my payments are ( I guess at what they are by what the P & I payment is supposed to be plus what the Escrow amounts are ). They say their policy is not to send out any statements while in Bankruptcy, but I ca n't be released from Bankruptcy until I can show the Court they have complied with the approved Plan. This is costing me money as well as my Credit. Numerous calls to them have them telling that they ca n't send me anything. Even a Letter from my lawyer in XXXX of this year has been ignored. How can I force them to send me a statement? I thought it was the Law to send out statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit files, I, the consumer noticed that Medical Data Systems furnished an alleged debt to consumer reporting agencies. I never provided written consent for Medical Data Systems to communicate with me which is a violation to my consumer 's right to privacy pursuant to Title 15 U.S.C. 1681. Medical Data Systems is also in violation 15 U.S.C. 1681 ( a ) 3 Restriction on Sharing Of Medical Information. Medical Data Systems willfully violated 15 U.S.C 1692b Acquisition of Location Information, 1692c ( A ) Communication in connection with debt collection, 1692d Harassment or abuse, 1692e False or misleading representations, 1692f Unfair practices, 1692g ( A ) Validation of debts, 1692j Furnishing certain deceptive forms.

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 2019-07-30
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony continues to report fraudulent debts in my name. A JCpenny and Old Navy accounts were fraudulently opened in my name without my consent and used fraudulently. The police report documentation was sent to Synchrony debt collectors back in XXXX and they continued to report the debt anyways. I am requesting the credit reporting to be deleted immediately from all major credit bureaus. And notify the debt collectors to remove any credit reporting to the credit bureaus immediately. 

The XXXX police department file for this was filed back in XXXX. Police report - # XXXX, additionally a IDTHEFT report was filed XXXX these documents These records have continued to be reported and have continuously violated my rights and are major violations for reporting these debts anyways to the credit bureaus under the FCRA and FDCPA. As Section 623 states under the FCRA the data furnisher is fully responsible to gather all relevant information before reporting any debt of a consumer. This was never done. I have contacted the police department and XXXX XXXX XXXX stated no creditor or debt collector has requested the police reports from their police department.

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 2015-11-05
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$150000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify that I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX directly XXXX to verify my actual income and stated what it was instead. Furthermore this mortgage/note was originated XX/XX/XXXX as a 5 year interest only mortgage. Nationstar Mtg has never adjusted the mortgage/note to reflect P.I.T.I The current mortgage/note XXXX and now servicing with Nationstar Mortgage Loan # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, my S.S. # is *********** D.O.B. XXXX/XXXX/XXXX. XXXX Bank and XXXX XXXX XXXX are committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.

Company response to consumer: Closed
Consumer complaint received 2022-10-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 Navy Federal garnished payroll wages for over {$1600.00}. Navy Federal representatives we're contacted on XX/XX/2022, one by live chat, the other by phone, the one by phone had no information and could not explain why over 1/2 of a paycheck was garnished. The representative stated by phone he could not see where the money went to or why. The online chat representative only gave a number to the account resolution department and also was not specific on why a large amount of money was kept from me. My Navy Federal account shows $ XXXX taken for an " adjustment '', no court order has been placed to garnish wages for this credit card debt with Navy Federal . I have tried in the past to create a payment plan with Navy Federal, however, Navy Federal requires I pay thousands up front in order to begin a high dollar amount payment plan. Navy Federal garnished my wages without warning or order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: KY
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:
There is a collection account on my XXXX, EXPERIAN, & XXXX credit reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the 3 major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently 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 explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 2023-09-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Best Buy credit card and they charged me over 20 late fees because the payment of the card was on the 4th I only paid it on the XXXX they also never sent me any statements the only payments I got to my house where when it was already a late notice I continued paying them for 12 months as I thought the balance was paid off I owe XXXX $!!!! I pay all my bills on time the reason this happened was because they failed to enroll me in paper statements and never notified me that I was late not 1 time. Its wrong for me to think I have a credit card paid off when there not contacting me and there letting me pay late fees every month charging me XXXX dollars because I never ever seen a statement I only received a bill after the original bill was already late that I never received, month after month the bill that was sent to my house was a bill stating I have a balance to pay that was it. Comes to find out Im XXXX late on payments for 20 months. Thats ridiculous

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 2015-11-04
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Attached with this complaint there will be a letter of complaint, modification proposal documents, mortgage payoff statement, QWR letter that was sent to Nationstar, QWR documents sent to Nationstar, Nationstar response and envelope, QWR letter XXXX, and QWR documents to be sent XXXX. 
In brief I have been dealing with this mortgage matter for over 6 years. Due to stage XXXX XXXX that was diagnosed in XXXX 2007 that require XXXX treatment. Because I could n't work for a year I was encountering financial hardship. Due to the advertising on behalf of banks XXXX I inquired on the possibilities of getting a modification. I was at the time accepted by XXXX XXXX XXXX to enter into the process based on financial information and hardship letter. additionally, XXXX XXXX XXXX stated repeatedly " There is no reason the bank should n't give you a modification, your the poster child for the program and reason it was formed ''. From the onset and hence forward I have encountered deceptive lies, intimidation, and abusive unethical trade practices and getting the runaround on behalf of XXXX Nationstar Mortgage. I spent 2 years 4 months in the mortgage modification process, and basically another 3 years 10 months in the legal system. I was illegally foreclosed on, and therefore subjected to the illegal foreclosure mill process. Where the is evidence of robo signing, illegal assignments, transfers and double tracking. I 've been through and FED eviction trial and have had to file for an appeal. The case is now in the Oregon Court XXXX. At some point the foreclosure was rescinded and am now being a modification with excessive, advances and expenses. 
I would greatly appreciate your help with this matter in determining the truth, ownership and history of my loan and a just resolution to all the pain and suffering that has affected my career, physical, mental, spiritual, and financial wellbeing beyond any level of comprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated or removed from erroneous reporting in my file are listed on my credit report : 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 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 explanation
Consumer complaint received 2022-02-03
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
XXXX is violation my consumer rights under these laws : Pursuant to15 U.S code 1681 ( a ) ( 1 ), ( 3 ), ( 4 ) ,15 U.S.code1681 ( 2 ) ,15 U.S. code ( b ), ( d ), ( 2i ), ( ae ), ( 2a ) By XXXX reporting these accounts on my report they are directly in violation of my rights. ( Privacy Act of 1974 ) We put on notice that claimed all accounts to be verified and reporting legally. 

Account name : XXXX XXXX Account number : ( as reported ) XXXX Account name : SANTANDER CONSUMER USA Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As the home market has increased significantly, I have been trying to talk to them about removing our PMI. They have continually claimed they " can not find '' or are " missing '' my original loan documents. They claim to have ordered them, but that was back in XXXX, and as of yesterday, were still claiming this, although they don't seem to have lost any of the actual loan paperwork. I have proof that we are well below the 80 % loan to value, and a representative yesterday confirmed that our loan is currently at 79.57 %, based on old appraisal numbers that are nowhere near the current value. But this company REFUSES to remove PMI. They are stating that they will not remove it until I pay them for a full appraisal, which is absolutely unacceptable. We have proof of no longer needing to pay PMI, and they are in violation of the Homeowners XXXX XXXX of 1998 by refusing to cancel the PMI. Since they verified I am below 80 %, and my loan was based on the appraisal ( albeit it low now ) that they have on file, there is NO REASON for them to force me to submit to a fully-paid appraisal. I have made repeated requests, and am only given lies and now an attempt to extort me for the cost of an appraisal. I want my PMI canceled and I believe the premiums I have paid for the past two months while they have lied to me about missing paperwork should be refunded.

Company response to consumer: Closed with explanation