BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wanted to build with Taylor Morrison at their XXXX subdivision. It was the last lot and the sales Manager stated another buyer was waiting to sign a contract. 
Their loan officer had also said I would qualify for an amount of loan I did not think I could qualify for. With the high pressure to sell that last lot and excitement of qualifying for a big loan I made an earnest deposit for {$20000.00} ( XXXX XXXX dollars ). I did not even have the whole 5 % of the sales amount ready which would have resulted to an earnest deposit amount of about {$31.00}, XXXX. 
So, I signed a contract with Taylor Morrison about XX/XX/XXXX of 2020 with the $ XXXX deposit. About XX/XX/XXXX, after reviewing the sketch of the proposed building I sent a clarifying email to the sales agent to understand what I am getting and to emphasize the importance of a downstairs guest suite and one master suite on the main and other things of concern such as dedicated study for work at home capabilities. The sales Manager never replied. Instead I got an email asking me to survey my experience during sales. 
I then indicated that I will not fill out a survey until my questions were answered. 
After that then the agent texted me and said he was on vacation. 
So by early XXXX, the agent said no changes to the proposed building will be accepted and that none of those options can be honored. Then I made him aware that I will have to cancel the contract as the building does not meet my needs. He then said I would lose my earnest money deposit of $ XXXX. Later, I noticed that they asked an attorney to respond to my emails. The attorney stated that Taylor Morrison is not admitting any wrong doings but is willing to give 50 % of my deposit back if I would keep keep my mouth shut. Then I stated that losing $ XXXX is a big deal for me. Then he said I should wait for six months and apply it to another Taylor Morrison subdivision. I said that is reasonable provided the subdivision is in my county and I am assigned to a contact person who knows this agreement and will help me to make it happen. 
Since then, I have sent three emails about two weeks apart to the attorney and no one is responding or telling me anything. Meanwhile, Taylor Morrison has sold the lot I deposited my hard earned {$20000.00} on and yet holds tight my money and yet silent about it despite my several inquiries to resolve this. Please, I need help to recover my money so I will not be homeless. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Google Compare Credit Cards Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
From XX/XX/XXXX  to XX/XX/XXXX  I was a victim of unauthorized transactions with Google Pay, Wallet. I had my phone stolen, and had my device compromised -- -I had a few XXXX dollars of disputes because this person who sent themselves money and or obtained it from my device to theirs... was somehow able to keep the money and I was not informed of the transactions. I want my money back, and I want this to be fixed. The person who did this, who I showed in my documents is currently XXXX  for crimes and so I wish this could be resolved and my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: CA
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been disputing the alleged debt Nationstar Mortgage , LLC claims their acting in the capacity as servicer for the XXXX since XXXX XXXX, XXXX. I 've reported complaints to the CFPB as well. Nationstar consistently submit fraudulent and false information. All the information Nationstar has sent to me and the CFPB has been contradictory. In an effort to get clarification on this alleged debt, I requested my FHA loan history data to compare it to what has been submitted to me and the CFPB. I 've attached the FHA Case Details sent to me on XXXX XXXX, XXXX. It further complicates the matter. The status of the alleged loan reported to the FHA is incorrect as well. I will be filing an FHA complaint with XXXX, Secretary and XXXX, Inspector General of the HUD Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was online goin though my consumer report as I was handling all my responsibilities and I noticed that I had some accounts that's on my report that is reporting incorrect and by the reporting agencies reporting this information it is hurting my ability to obtain credit and respectful move on from this situation The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nation star mortgage increased my note by {$420.00} saying my insurance was going to go up in XX/XX/XXXX so they had to get the money to cover the increase. Just talked around in circles trying to explain this is XX/XX/XXXX why would my insurance company call you and tell you my insurance was going up next year? XXXX!,,, I now pay {$1100.00} a month in escrow.. Ridiculous!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, Transunion, and XXXX- I demand you to comply. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the mailed letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2023-10-24
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting 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 Account XXXX XXXXXXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Was not notified of investigation status or results

Complaint:
I am reaching out to formally request the deletion and removal of specific accounts and associated information from my consumer report. It has come to my attention that the inclusion of these accounts and information on my consumer report is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly urge you to take immediate action to rectify this situation by deleting and removing them from my consumer report. 

The presence of these accounts and information on my consumer report not only constitutes a breach of multiple laws but also undermines the accuracy and integrity of my credit profile. It is of utmost importance that you swiftly address this matter and ensure compliance with the FDCPA and FCRA. 

I trust that you recognize the gravity of this issue and the legal obligations entailed. I request your prompt attention and immediate removal of the aforementioned accounts and information from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
In XX/XX/XXXX, I contacted the three credit bureaus, creditor Capital One, and creditor XXXX , XXXX . to dispute and request removal of negative account information ( 30 day late payment history ) from XX/XX/XXXX through XX/XX/XXXX, for two Capital One accounts and one XXXX account. I received a response stating, " the FCRA requires the accurate reporting of account history and the investigation shows the information on the credit report is correct. '' I was enrolled in a financial debt management program with XXXX  starting XX/XX/XXXX. XXXX and Capital One, along with other creditors, approved of the proposal by XX/XX/XXXX. According to the credit reports, the late payments occurred during the first 90 days of enrollment. I was not allowed to pay the credit card company directly once I was enrolled in the program. My payments were managed by XXXX and I was not in control of the payments nor was I aware that any payments were late. No other creditors who participated in the program with XXXX reported negative information during that time. I paid all outstanding balances and successfully completed the program in XX/XX/XXXX. 

In XX/XX/XXXX, contacted XXXX and they informed me that both Capital One and XXXX approved of the proposal and received on time payments. I participated in a phone conference with XXXX and a Capital One Debt Management representative named XXXX XXXX. I also submitted supporting documentation to the credit bureaus and creditors that shows the date I was enrolled in XXXX. I also pointed out that I had years of on time payments prior to my enrollment in the financial debt management program. 

As a consumer in the program and no longer in direct contact with the creditors, I had no control of nor knowledge that the payments were paid late since they were made by a third party. According to XXXX, the payments were not submitted late but the creditors reported that they were. Furthermore, a review of my account will reflect that I had several years of on time payments prior to enrolling in XXXX. If I would have known there was going to be an issue with payments for the first 90 days, I would have worked out an arrangement between XXXX, XXXX, and Capital One to continue making on time payments and to preserve my positive credit history to avoid having the negative information reported to the credit bureau. 

Based on the circumstances in this case, including my past history of several years of on time payments prior to enrolling in XXXX, and payment of the debts in full, I requested that the 30 day late payment history from XX/XX/XXXX - XX/XX/XXXX, from XXXX and Capital One accounts be removed from the credit bureau reports but my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NJ
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2022-12-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My account with Synchrony has been paid in full and has been closed. Synchrony was to credit my account and clear a balance for charges that were added to my account in error via a card protection subscription that I did not authorize. Synchrony has left the balance on my account and has continued to charge interest on the amount that they agreed to credit in order to clear the balance. Additionally, this has negatively impacted my credit score because they are falsely reporting missed payments to the credit bureau.

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 2021-12-19
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I got an email today on XX/XX/2021 stating there was debt that needed to be collected ; total of {$710.00} and from Dynamic Recovery Solutions , LLC. The original creditor is XXXX and current creditor is XXXX XXXX XXXX. I have never used XXXX or XXXX funding and I find it odd that the email is dated on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Caddis Funding, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A company based in North Carolina has contacted me about a XXXX XXXXXXXX XXXX account that is fraudulent. I have never had a businesses account in my life. I believe the account open sometime in XXXX, I never had a bank account in that time frame with XXXX  XXXX XXXX, I have been on social service and SSI since 2005, I did not ever have a buisness I lived at 2 different address at that time and never had a bill come to me at any of my physical address. I just found out about this account 13 years later?? Company involves CADDIES FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX, XXXX, SC,XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
As of XX/XX/XXXX, I requested the following information from XXXX XXXX : 1. A True Bill for the alleged debt associated with XXXX XXXX  Account Number XXXX. 
2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. 
3. What was the the reinvestigation process and who furnished this information? 

I clearly stated that, in the event XXXX XXXX failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account. 

It has come to my attention that XXXX XXXX has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations. 

Furthermore, I would like to emphasize the importance of XXXX XXXX adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws. 

In light of the above, I believe that XXXX XXXX  may be in violation of federal laws and regulations related to credit card practices, specifically in regard to XXXX XXXX Account Number XXXX with account balance of {$1100.00} I kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.

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 2021-12-19
Company: PDQ Check Exchange LC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with Mr Money four years ago and they are trying to sue me in court I contacted them to let them know my situation, due to Covid, and now they are mailing harassing letters stating s judge issued a warrant for me and I need to pay them directly plus court fees and interest and they will make my warrant go away. They legally arent able to make a warrant go away for one for two I did a warrant search and there is no warrant issued. So I feel very threatened and that they are using issuing a warrant as intimidation when they dont have the right to even issue a warrant nor take it away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: NY
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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: VA
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 contacted XXXX Equifax and did a dispute for a bankruptcy that was reporting in my public records, the bankruptcy is labeled as dismissed for XX/XX/XXXX case XXXX, WHEN THIS CASE WAS NOT DISMISSED IT WAS CLOSED WITHOUT A DISCHARGE. I MAILED THE INFORMATION IN AND IT WAS IGNORED BY XXXX. STATING THAT THE INFORMATION WAS VERIFIED AS ACCURATE, BUT IF IT WAS VERIFIED THEY WOULD HAVE SEEN IT WAS NOT DISMISSED IT WAS CLOSED, DUE TO I HAD JUST RECEIVED A XXXX XXXX  DISCHARGE IN XXXX WHICH THAT IS REPORTING CORRECTLY.

Company response to consumer: Closed with explanation