BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-25
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was bought by Nationstar Mortgage on XXXX XXXX 2015. I was notified by the previous Mortgage holder ( XXXX ) that it was sold and to make the next scheduled payment to them as I was to be receiving a welcome packet from them " any day ''. I never received the packet and it took hrs on the phone with Nationstar to attempt the payment with negative results. I had to go back to XXXX to make the payment. Through XXXX my new acct number for Nationstar was obtained. Since that payment, I have received over XXXX phone calls to my residence from Nationstar. The person calling identifies him or herself as a rep from their Company and asks for my SSN, DOB and other sensitive information. They advised me it was for their debt collection bureau. I told them I pay my bills on time and asked to speak to their supervisor and they wouldnt put one on the phone. I have received at least 3 calls a week from private numbers, different XXXX and XXXX numbers all stating the same. They stated they will not be stopping until they update the information for debt collection regardless of the fact that I have made each and every payment for both this current mortgage and my previous home 's mortgage on time. I finally received the welcome packet from Nationstar this week..It has been about 4 weeks since they have held my mortgage. I never asked for their service and I dont like their company. I am being harassed now by a Company in their efforts to update their debt collection records and I have no issues paying my debt with them even though I have never asked for their service. They are rude. They are violating Penal Law section 240.30-1 in the NY State Penal Law where as their calls are both unwanted and annoying, repeated and alarming. They need to be stopped as they are effecting the quality of life in our home. Making us shut our phone off and ignoring phone calls. WHY and HOW do they get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a company called XXXX XXXX XXXX stating that I owed {$480.00} for a balance on a Capital One credit card ending in XXXX. I have two Capital One credit cards neither end in that number and both have zero balances. I went to Capital One and they have no record of it other than my two credit cards ending in different numbers. I have never received a past due notice nor has anything ever been on any of my three credit reports. I have had the same address for about ten years and same phone number and I have never heard anything from Capital One Bank. I tried to contact XXXX and not only were they rude but they informed me that they would obtain a judgement and I would have to pay more and that it would be better if I just paid the debt. Capital one advised me to not do that and to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named XXXX. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: BARCLAYS BANK DELAWARE
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2023-11-30
Company: Pinnacle Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Payment demanded by XXXX for a debt with XXXX on behalf of Pinnacle Credit Services. 

I've never had an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My original note was owned by XXXX Bank and I was given a loan modification, at the same time I was offered the Loan Modification my loan was sold To Nation Star Bank and subsequently my loan modification offer was not honored and I was forced to resubmit for a new loan modification. All of the income and documentation was the same and I was turned down for a loan modification. I have resubmitted several times at the request of Nation Star and have been turned down each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2011 I took out a Reverse Mortgage With XXXX Mortgage ( now Champion Mortgage, same address ). My loan check was received on XXXX for a year and a half. Then it started slipping over the years, to the XXXX, then XXXX, XXXX, XXXX, and this month the XXXX, I received my check. It is supposed to be here on the XXXX. I am a XXXX that ca n't pay bills on time because if this corrupt companies actions. Contact with their customer no-service Dept., over the years, has been fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. 

per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These accounts XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) 168i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation.

No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? its been way over 30 days and still no results on any investigation Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. 

I thought a cra had 30 days to complete a full investigation please detail me on why the law has been violated?

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I write to complain about the Facially False data reporting of my Account at XXXX XXXX XXXX which account was reported as Closed At Consumers Request on and before XX/XX/2023 but between XX/XX/2023 and XX/XX/2023, such CLOSED at Consumers Request REMARK CODE was REMOVED which now inaccurately reports my Closed account as OPEN in willful violation of the FCRA and Metro 2 protocols. Once an account is Closed, controls to prevent reporting it as OPEN were required to prevent Facially False Data from forever reappearing similar to preventing a dead person from coming back to life which is impossible. CRAs had data which should have prevented the later changing my account to OPEN. Both furnisher and violating CRAs are liable for statutory damages of {$1000.00} for each and every FCRA willful violations. I previously complained about failure to promptly report my Account as Closed and now after finally reporting my account as closed, Furnisher willfully reported it again as OPEN by removing the CLOSED remark. Idiots. Parrots. Bots. Make my day by continuing to willfully violate the FCRA. I now demand punitive damages for repeated violations including reporting Facially False Data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello, my name is XXXX. I am writing in regards to my personal information being used to open accounts with credit grantors without my knowledge or authorization. This is the second complaint I am filing because the first complaint claimed these fraudulent accounts where indeed not my accounts and they'll be removed, yet they haven't. I am now requesting for these accounts to get blocked and deleted off my report ASAP. I have spoken to all the companies involved and they've sent me letters stating these are not my account and they've also verified that these items are to identity theft. The following names are the accounts in which where opened using a fraudulent application which id like to block and delete. Thank you. 
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 {$1000.00} These are all the accounts opened fraudulently. I am also being neglected a block and delete from the credit reporting agencies even when all my documents are valid and meet the FCRA requirements for account deletions in regards to identity theft.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXX XXXX sent me {$800.00} on cashapp to send to someone else for business purposes and it did not go the way he wanted it to and try to get the money back but couldn't, mind you I did not cash out that money it was sent to the person they wanted it to be sent to and I have photo proof. The next day he made a dispute on his bank which credited him the money and cash app went and did an investigation. In that investigation cash app withdrew the {$800.00} from my account on XX/XX/XXXX. Privileges this is a they should have took the money from the person that I sent the money to, really I don't know what they should have done but it shouldn't have been taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Driveway Finance Corporation
State: NV
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number # 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 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 more 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been harassed by a collection agency by phone and letter over a medical debt that was long paid for. I notified them it has been paid, and was not delinquent or any of their concern. I receive harassing phone calls, some with the number blocked, and threats by their agents. I provided proof of the debt paid and told them to cease and desist ALL contact and harassment but they simply refuse. My rights under the FDCPA are now being violated and in addition to that they have now damaged my credit with a completely FALSE account and collection. I demanded the proof of entire debt, all itemized statements mailed and the notice of collection letter required to be given to me within 5 days of accepting any debt that they believe I owe. I have been DENIED all these things and CONTINUED harassment and VIOLATION off my rights per the FDCPA. NOW the FCRA is being violated and FALSE and INACCURATE and UNVERIFIED IN FULL WITH REQUESTED DOCUMENTS. I am livid at the actions of this collection and am seeking an attorney to seek monetary relief and fines and fees from the Attorney General if this is not ceased immediately and removed from my credit. 

HIPAA VIOLATION NOTIFIED AND SENT TO ATG.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company is giving me the run around I have been trying to get a modification for several months. They have ask me to supply documents over and over again I have faxed all my financial information such as income tax returns, bank statements, and paystubs. But now they still asking me more proof of income which I have sent them several times. When I call to speak my loan specialist I never can I always speak to the next representative who is n't handling my case. I was just sent a letter saying that I need a contributor package and two months bank statements or proof of income. Im very exhausted because I been sending in everything they ask for. I feel that they do n't want to give me a loan modification they want me to just give up. That 's why I need your help and guidance. Please help Thank You. The name of the mortgage company is Nationstar Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The beginning of XXXX my new balanced and a current status was marked on my XXXX Credit Report and XXXX as current and paid. On TransUnion my balance was updated and not my status. This has left me in a derogatory status on TransUnion and if not corrected will lead to my whole family being homeless. We have a chance for a home when that one remark is removed off of TransUnion as missed payment and currently late with an updated balance of XXXX from 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 2023-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
It is my belief based on the conversation and the fact that USAA has canceled my account ending in XXXX and refused to do business with me because someone has done fraud on my account using my ID and other documents. It is my belief that the fraud event occurred between XXXX and XXXX. I have been going through XXXX  XXXX and homelessness and am currently in a safe place to address the situation of my life. The fraudster may have used an auto insurance policy and other documents. I have contacted the USAA fraud dept. several times over the month of XXXX. They have said that they would contact me but have not. They know malicious activity has happened on my account. Instead of informing me they have chosen to alienate me without explanation. I have been a member/shareholder of this company since early XXXX. 

I went through the online verification process and In XXXX of this year I spoke to a representative in the fraud dept. I was given a fraud dispute number ( XXXX ) and the representative said someone would be reaching out to me, however, I have not gotten a response as of this date. I called back and then I was told that USAA was exercising its right not to do business with me and that I should check my Credit report for suspicious activity. I can not get USAA on the phone to at least tell me what happened on my account thru them. I have submitted my ID and my phone number and tried to work this out, but they have become unresponsive to me. The fraud happened to me on my account, and I am being punished for something I did not do. Furthermore, I can not protect myself because I don't know what actually happened. 

USAA is only concerned with protecting itself from being liable and not helping me with the situation forcing me to deal with this on my own by blacklisting me. I have to sign declarations involving another person in order to get products and services from other companies which I believe is due to these events that occurred without my knowing. I have done nothing wrong and will take a lie detector test or fly in person to the executive branch of USAA with my identity documents. I would like justice. 

I also did not receive any money from my subscriber account as I am a shareholder of USAA and should have some say in how things go or get a phone call to explain what happen. I can not update my phone number, email, or address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation