BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-22
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage charged me a late fee and reported my payment as late illegally. I have a copy of the cancelled check which shows clearly that my check was received before the late payment date. They refused to remove the late payment and if they reported it to credit bureaus then my perfect payment record is marred by this " late payment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan reverted to the original predatory note from XXXX XXXX XXXX XXXX. I have asked via my rights under respa to understand for 90 days with no response : 1. Why my payment is going from XXXX to XXXX with no notice and why I was told my mortgage would adjust to XXXX ( in writing ) and then it went to XXXX. 
2. Detailed Itemized Summary of payments and fees that have caused my loan to go from XXXX to XXXX in principle. I am told no history exists and they can not provide the exact details of what fees were charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 statement from Midland dated XX/XX/2019 stating that they were trying to collect a debt. I immediately sent a corresponding letter request to validate this debt. Midland sent the same statement back as validation in XXXX and in XXXX of 2019. I sent second correspondence back advising that this was not a valid validation providing that there was no biding contract agreement with my signature proven that this debt was mines. I called midland in XXXX and XXXX and spoke with a representative name XXXX XXXX then stated on a recorded line that they couldn't provide anything but a statement because was all they had. He then tried to threaten me about going to court. I advised him that this would be fine because I would still ask for a letter of production to produce that this was my debt. He hung up on me. I am asking that this debt be removed from my credit report due to lack of evidence proven that this debt is mines and valid. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 I made deposit of {$300.00} and my account balance were {$25.00}. My cash deposit was not received to my account and I had to file dispute. At XXXX XXXX Regions bank. Now I have to overdraft my account to pay stuff. On the banks fault. I am out of town homeless because of this! I had a new deposit XX/XX/2022 of {$360.00}. My account was overdrawn XXXX because my deposit was not cleared this lead me to lose {$230.00} and had {$120.00} available when Im suppose to have {$660.00} from my {$300.00} deposit and {$360.00} deposit. I had more deposits as well to pay my rent! They taking my money because Im paying back overdraft when I never was overdraft! Now my account $ XXXX. And they said when credit come I will have {$0.00} available! When Im suppose to have {$400.00} because Im usin money thats suppose to be mine I should not have to pay the {$360.00} and loose 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 monetary relief
Consumer complaint received 2022-09-17
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re : Re : XXXX # : XXXX XXXX XXXX ( XXXX ) Amount {$8500.00} Resurgent Capital Services, XXXX XXXX XXXX, L.P., and LVNV FUNDING LLC are seeking debt payment in the amount of {$8500.00} for a XXXX XXXX credit card that I secured through XXXX XXXX. I reply to them numerous times and told them that the account was paid in full since XX/XX/XXXX. From the day I secured the account, I set up auto-pay and pay the account until XXXX XXXX stopped taking payments in XXXX of XXXX. 

When I received the request for overdue payment from XXXX and then Resurgent, I told them the items purchased XXXX had 24 months interest-free and another one had 12 months interest-free. Further, I explained to them that according to the calculations of the total payment XXXX XXXX withdrew from my account. The credit card was paid in full in XX/XX/XXXX plus additional payments until XX/XX/XXXX. I asked them to provide me with a copy of the XXXX XXXXXXXX dated : XX/XX/XXXX to XX/XX/XXXX, which, it would show if they withheld the interest charge as stated on the purchase agreement. They have not been able to provide me with statements ( XX/XX/XXXX - XXXX XXXX ) and the credit collectors refused to remove the negative off my credit reports from all the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XXXX XXXX XXXX  Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Original creditor : THE XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We filed a complaint last year with you about our mortgage company Nationstar Mortgage LLC, reference ( Case number : XXXX ). It appeared that the problem was finally fixed in the " resolution letter '' that we received on XXXX. However our statement that came on XXXX, after we had made XXXX payments toward escrow had gone up. The correct escrow balance should have shown - {$2400.00}, but the balance on the XXXX statement was - {$4000.00}!?!?!?! We are not sure how, after making payments to fix the negative escrow balance, that the amount jumped up so high. We have been on the phone and emailing constantly with Nationstar to try and get this issue fixed with no luck. We never talk to the same person twice and were told by XXXX different people that our account would go back into research to be fixed, to find out they never submitted anything. The 3rd time we tried to get it back into research the request was finally submitted, but the number the research department came back with was still way to high???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wells Fargo does not let you set up automatic payments from a non-Wells Fargo bank account if you don't already have a credit card balance. This is crazy, as you should be able to schedule payments in advance so you aren't forced to remember.

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 2021-10-05
Company: EQUIFAX, INC.
State: SC
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 disputing theses incorrect Items on my credit since XXXX of 2021. They keep saying that is is verified. they have not sent any documents stating who verified it. their name and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that these matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: EQUIFAX, INC.
State: NV
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:
I WAS LOOKING ONLINE FOR A WAY TO BOOST MY CREDIT SCORE AN RAN ACROSS 2 COMPANIES THAT OFFERED TO REPORT TO THE CREDIT BUREAUS ALL 3 AND THEY GUARANTEED A IMMEDIATE REPORTING TO THE CREDIT BUREAUS. BUT I HAD TO PAY A FEE EVERY MONTH THEY REPORT. THESE COMPANIES ARE XXXX XXXX -- -- -- REPORT AS XXXX XXXX XXXX XXXX =========REPORT AS XXXX XXXX PLEASE XXXX XXXX XXXX, AND XXXX XXXX THEY ARE SCAMMERS!!!! ! !!! I ASKED THEM TO STOP DEBITING MY ACCOUNT AFTER I HAD ESTABLISHED CREDIT OF MY OWN. AND THEY CONTINUED TO DEBIT MY ACCOUNT. THEY DO NOT OFFER ANY PRODUCTS ONLY TO REPORT TO THE CREDIT BUREAU. SO THERE FORE I ASKING THAT ALO 3 CREDIT BUREAUS REMOVE THESE 2 ACCOUNTS FROM MY CREDIT REPORT OR PROVIDE ME PROOF OF PRODUCTS ORDERED AND A PAY HISTORY .I HAVE BEEN PAYING THESE COMPANIES JUST TO REPORT TO THE BUREAUS TO INCREASE MY CREDIT SCORE. PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Square Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I am contacting about cash app. This company has allowed someone who is not the cardholder to connect my card to their account and drain my account of all my funds. There is no number to contact them to look into the matter. The person made over 6 unauthorized charges on my debit card and was able to get away with XXXX in cash. I have filed a police report and am waiting g to hear back from the police. Cash app policies are a big security breach. My cash app wasnt hacked but my card was stolen. Yet cash app has no security feature that prevent anyone who steals anothers card information from draining their bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 disputing theses incorrect Items on my credit since XXXX of 2021. They keep saying that is is verified. they have not sent any documents stating who verified it. their name and number.

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 2022-10-08
Company: Experian Information Solutions 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX 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 he 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 2019-01-20
Company: EQUIFAX, INC.
State: NV
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:
BACK IN XX/XX/1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN XX/XX/1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT XXXX XXXX XXXX CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM XX/XX/1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV Funding LLC sent me a later saying I owed an amount. I sent a letter requesting that they verify their info. They never responded. Instead I received a letter from Resurgent Capital Services LLC with photo copies of what I guess I was to think some kind of Statement of Account. At this point I decided to check my credit report only to find that LVNV had put this matter on my credit report. I have since sent letters to both asking for some kind of proof and I have received nothing. LVNV and Resurgent are both working out of the same address at XXXX XXXX XXXX XXXX SC XXXX. Both companies are sub companies of Sherman Financial Group out of New York. 

I am also now being harassed by XXXX XXXX XXXX XXXX about the same situation ... 

As a matter of fact I received letters from XXXX XXXX XXXX XXXX and Resurgent the same week both claiming that they are the servicer of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
he following inquiries : 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a 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 2016-02-29
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Nationstar mortgage continues to harass me to refinance my mortgage relentlessly. I 've blocked all of their phone numbers so they ca n't call me. I refuse their mail ( except statements ) at least once a week, if not XXXX XXXX times. Nationstar is the last company I would want to refinance with, however, I fear, if I refinance with anyone else, my mortgage will just end up back at Nationstar. They are very predatory!!! I just want to be left alone and allowed to pay off my mortgage in piece.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Sincerely, 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