BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar mortgage acquired my loan in XX/XX/XXXX. They refused to honor the modification that I was in, did I was behind, and were foreclosing, giving me no options to save the home, and not accepting payments. I finally just listed the home for sale the middle of XX/XX/XXXX and found a buyer quickly. My principle balance is {$60000.00}. Nationstar came back with a payoff on XX/XX/XXXX of over {$100000.00}. I called on XX/XX/XXXX to find out why and was told This amount includes a modification fee of {$12000.00} and over {$5000.00} of lender paid expenses. Over {$12000.00} of interest and almost {$10000.00} in escrow fees. I requested an itemized list of charges, which will take a week to repair, and asked to speak with a manager about having the modification fees removed since they never have me a mod. The representative said that I was right they saw no modification on my file and that he would send a note but refused to let me speak to a manager about the issue and said that he had no authority to remove it, that would have to be decided by management. I again asked to speak to someone in management, and was told that it was n't possible. I need at least the {$12000.00} removed, and by my calculations I was over charged for escrow by {$4900.00}, and there are probably more fraudulent charges on there as well that I need investigated, or I will make nothing from the sale of my house, and me and my children will be homeless in ten days when the sale closes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been promptly paying my charges. To date, XX/XX/2021 I have made a total amount of charges for {$530.00}. To date, I have made a total amount of payments in the sum of {$560.00}. This being a secure credit card, for which I deposited {$200.00}. So, I should show an available credit balance of {$230.00}. But my available credit balance shows as {$0.00}.

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 2017-07-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX 2013 XXXX XXXX signed a Declaration of Mortgage Servicer Pursuant to Civil Code 2923.55 ( c ) The mortgage servicer has contacted the borrower pursuant to California Civil Code 2923.55 ( b ) ( 2 ) to " assess the borrowers financial situation and explore options for the borrower to avoid foreclosure '' Thirty days, or more, have passed since the initial contact was made. THIS IS A DELIBERATE LIE ON BEHALF OF XXXX XXXX XXXX XXXX  committed Perjury by false affidavit. Criminal law 2641 and should be charged accordingly.
<P/>
My HOBR were violated and then ignored. This act was deliberate and contiguous to the methodical deceptive and unjust behavior. I never received a NOD nor was one posted on my property. I never even knew that it was filed until I learned about the auction date that was set.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Experian Information Solutions 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:
ftc violations As part of a {$90.00} XXXX proposed settlement, XXXX is refunding customers who were unfairly billed third-party charges by the company. XXXX has been contacting all of its current and former crammed customers to let them know about the refund program and claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Accessed annual free credit report on about XX/XX/2019. 
Problems : 1. ) Report listed closed account as open.

2. ) Most of the data is out of date, including that none of my recent credit issues ( such as active credit cards and active mortgage ) are listed.

3. ) I submitted Dispute. Received Dispute completed # XXXX. Attempted to access online. 
4. ) Online access to Dispute not available.

5. ) telephoned Equifax for information. Was told I had to be " verified ''. The answers to the questions I was asked were relying on Equifax 's erroneous data and therefore I was denied access to the Dispute information. I spoke with first XXXX, who first of all was very difficult to understand, and then her supervisor, XXXX ID : XXXX. 
Neither were at all helpful, including refusing to take steps to update my Credit Report information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband has tried repeatedly to get on line banking through CitizensBank. Its down quite frequently. We noticed that someone has been charging my account illegally the past almost 2 years. It was hard to find this out because we are frequently unable to get online. When asked if we could get credited, they said partially, but not all of it. Im not sure why they would credit partially but not all of it. They shouldve seen the red flags that this company that was withdrawing money out of my debit account was fraudulent. They never said a word. I had a person from the bank call me to rectify it and then ghost me when I tried to call her back. Nothing was ever done to rectify the whole amount. They have done a poor job at noticing any abnormal activity and they say they pride themselves on catching illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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. 

US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 an 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 2017-07-07
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint against two mortgage companies, Aurora Lending Services and Nationstar Mortgage Company ( XXXX ). The former filed foreclosure on me, even though I was current on payments and provided proof ( cashier 's checks ) that I had responded as the modification contract required. Still they filed foreclosure.
<P/>
I lost {$57000.00} in down payment money ( See complaint:XXXX ), years of paying a mortgage with a 10 % plus interest rate, and I have been fighting this matter since XXXX. In XXXX, I surrendered the property in a chapter XXXX that was approved and confirmed by the court. Years later, I discover that Nationstar filed a foreclosure on me in XXXX which is preventing me from securing a mortgage today.
<P/>
Nationstar responded to my complaint with CFPB by sending a message to a former attorney we had retained in XXXX. One problem with their response is that the attorney does not represent us. Another problem is the attorney has been debarred and has lost his license. for mortgage-related client misrepresentations.
<P/>
Please intercede and ensure that all responses are sent to me, not to the previous attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Genesis FS Card Services, 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:
CFPB Write up in accordance with the Fair Credit Reporting act XXXX  Account XXXX Account 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 2021-05-06
Company: EQUIFAX, INC.
State: MD
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:
I mailed copies of the inquiries on my credit report asking to remove them. Someone is using my social security number. The credit bureau will not remove them. They put it back to me saying I'm responsible. I have been calling the credit bureau for 6 weeks, every other day. It's been longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I request Physical Verification of this debt that was report to my credit by XXXX, XXXX and TransUnion. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that XXXX, XXXX and TransUnion say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you. 
Agencies fail to follow guidelines for handling disputes. 
Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: AL
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 an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  XXXX/ XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.

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 2019-03-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I went to Chase Bank two-wire {$3000.00} dollars to XXXX the teller was there she made so much mistake with sending off the money she finally send off the money I did not know the money had to go through XXXX XXXX to get to XXXX inXXXX when I went to XXXX in XX/XX/XXXX and when to XXXX XXXX XXXX in XXXX I realized the money was not there I called Chase Bank from the manager Office from the bank in XXXX upon calling Chase Bank they said it was some kind of mix-up the money was in the hair when I came up now I go to the bank they said the money is not there I've been going through the running around Chase told me to call her XXXX I call real XXXX XXXX XXXX said they trying to get to XXXX XXXX not responding iqor XXXX XXXX said XXXX XXXX never send them no information no nothing Chase told me they're not responsible for my money they don't want to have anything to do with me XXXX   XXXX don't want to have anything to do with me XXXX XXXX XXXX in XXXX said the money is not there I want my money the teller from Chase Bank they fired her I don't know what's going on I don't know what's going on I just want my money Chase Banks manager said they don't have the money it's between XXXX XXXX and XXXX the money is messing. You said if it's the best bet he think is XXXX XXXX. Chase Bank customer representative they call me they said they can not do anything to help me they was so rude to me and nasty to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay ment due date. The creditor failed to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: GA
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 my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: UT
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:
" NEW ISSUE '' Experian has violated my rights to dispute an account that is reporting a fraudulent balance that was an result of fraud and unauthorized use. Additionally, they sent the letter uploaded that they are refusing to conduct a reasonable and diligent investigation by FAILING to send all relevant documents which I sent them POLICE REPORT XXXX & XXXX which were NEVER sent to XXXX  in their investigation which is a violation under the FCRA. Furthermore, XXXX sent a letter dated XX/XX/2019. They revealed in the letter they never received any police documentation from EXPERIAN NOR did they contact the XXXX XXXX XXXX police department. I contacted XXXX XXXX and left a Voice message recently reminding her of XXXX legal responsibility to obtain all relevant documentation as section 623 of the FCRA leaves a grave responsibility on the DATA furnisher to gather all relevant documentation in an investigation and are obligated to conduct a diligent and reasonable investigation. HOW can you conduct a Diligent and Reasonable investigation as 100 % VERIFIABLE AND ACCURATE under law and never retrieve legal police reports from Detective XXXX XXXX which you have the contact information for. These are all MAJOR violations that I intend to if necessary file a formal complaint in XXXX District Court here in XXXX XXXX XXXX UTAH. I do have XXXX 's registered agent information if deemed necessary. This negligence from Experian and XXXX has caused significant damage financially and personal hardship. 


Lastly, I have filed another police report as I am adding this notation that XXXX is failing to honor the Truth in Lending Act and Fair Credit Billing act to support my claim if it reaches court. 

Police report number. 
Fraudulent Use of Credit or Debit Card XXXX XX/XX/2019 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 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello I recently lost one of my grandparents + had to essentially up-root my life / relocate and wasn't able to keep my job, unfortunately this account fell behind in the process however I need this to be fixed. I've recently been re-reviewing my finances and need a resolution to make the account current and get the late payments removed if possible.

Thanks for your understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
ESPERIAN  XXXX XXXX It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " idem sonans '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT 1.FAILURE TO HONOR XXXX GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} Without Prejudice, UCC 1-308, 305 [ acceleration ] ; 104, 107 ; 3-419, 603/3-311, 109, 302, 306 ; 10-104 ; HJR 192 Treatment of credit balances. 15 U.S. Code 1666e ; 15 U.S. Code 1666 ; 15 U.S. Code 1666d ; 15 USC 1662b ; 18 U.S.C 1951 ; 31 U.S.C. 3701 ( d ) ; 31 U.S.C. 3716 ( h ) ; 42 U.S.C. 407 ; 42 U.S.C. 1383 ( d ) ( 1 ) ; 31 U.S.C. 3716 ( c ) ( 3 ) ( B )

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 2021-05-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation