BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: NATIONSTAR MORTGAGE LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper sold our mortgage to XXXX XXXX in XXXX of XXXX. I did not receive the new account info from XXXX in time to timely make the XX/XX/XXXX payment. Knowing that Cooper would forward the payment on to them as required, I let the scheduled payment to Cooper go through. This was an attempt to not be late on any payment. 
Cooper received the payment on XX/XX/XXXX. They did not forward the payment to XXXX but refunded back to my bank account on XX/XX/XXXX. They did this without any notification to me whatsoever. Thinking this payment was made resulted in XXXX dinging my credit for late payments. I, along with XXXX XXXX, I have attempted to get Cooper to account for this issue by contacting them in XXXX. They opened a case on the issue but have not produced anything. Phone calls to them are confusing as we have been given conflicting information every time we have called. Case # XXXX, opened on XX/XX/XXXX, is the Cooper case. Additionally I have been emailing XXXX XXXX at XXXX with information and for status updates with no response. Cooper sent a letter asking for an additional 15 days to review this issue more than a month ago and an ambiguous email last week that in no way addressed the the issue. 
XXXX has stated that a letter from Cooper stating that they did receive the payment and failed to notify me of the refund will go a long way to the removing the missed payments on my credit report. Cooper failed to follow their own policies on this which negatively effected our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-15
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I decided to request a payoff from Nations Star, now Mr. Cooper. The payoff, as well as the statement shows a whooping $ XXXX owing in escrow alone. I called and was told this was due to the disaster in our area and this is the forbearance. My immediate thoughts were this company has overcharged us with erroneous, exorbitant fees. We are requesting an investigation of the entire negative balance of $ XXXX.We further request that this is in itemized format to account for every dollar and someone who has the ability to articulate this to us. Further, their is an amount showing of {$3100.00} for interest during XX/XX/XXXX through XX/XX/XXXX. Although payments are running late due to last year 's disaster, we continue to make payments and a modification was booked and approved. We were turned down for a forbearance. Now all of a sudden we are in a forbearance? The representative could not explain this, only saying ... .because of the disaster??? What? As a federal employee supporting warfighters I have requested federal agencies to investigate this immediately following Mr. Cooper 's explanation. Lastly, we were in XXXX for five years, which was completed in XX/XX/XXXX. It has been only two years since this completion and payments were automatically debited to pay mortgage. We will also include this information while investigating this lender requesting {$28.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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:
I was charged by XXXX during Covid. I called company several times to report that the equipment was returned. I was told not to worry about it- it was an answering service not actually XXXX . The item is still being reported on my credit with no proof of the actual findings.

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 2023-10-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For years I've been paying my citi bank best buy credit card via autopay. It was due for an auto withdraw. I had more than enough money to pay the card on the XXXX. The system for some reason did not take my regular amount min due on the autopayment schedule, it's being called " late '' and possibly sent to collections unless I pay {$2000.00}? Why did it force this. I had no idea this didn't go through until my card was declined. Nobody called me or texted or emailed me until extreme consequences were taken. If somehow I had taken myself off of autopay, please forgive me I had no idea I did that and wasn't keeping up. Please forgive me

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 2022-10-11
Company: EQUIFAX, INC.
State: GA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am requesting that it will be removed from my credit report as soon as possible.

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 2023-10-01
Company: Experian Information Solutions Inc.
State: FL
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 the following accounts : Commonwealth Financial Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-26
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$790.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX. XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : 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 2018-10-11
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid all but my last payment with a mortgage with " Mr Cooper '' aka Nationstar. My XX/XX/XXXX payment I sent in the amount in the statement including principal and interest in the amount of {$600.00}. They sent back this XX/XX/XXXX payment. If you go online they state they need {$25.00} in order to provide a payoff amount. They said several times they would reverse the late charges. I can't tell what the payoff amount is and what is required to pay this off. They said they would reverse late charges several times. It was not done. They said they need payment in certified funds. I asked if that is in the loan agreement as I'll meet the terms of that agreement. Several reps said they don't know. 

The payment is now a month overdue, I've tried multiple times to pay, they said it has to be in the exact amount and in certified fund. I don't think that is in the agreement. I want to pay but they will send back any payment other than in certified funds. 

I recently paid off a mortgage with another bank and it was easy. I just paid with a regular bill paying service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NY
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:
This is an additional request to dispute specific data in my credit file that does not belong to me or for which I have not signed any agreement. The products in question have nothing to do with any transactions I've carried out or approved in order to get goods, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: AR
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 FCRA all the following accounts has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602A. My rights to privacy 15 USC 1681 section 604 A section 2. Consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681a ( 2 ) ( a ) ( i ). EXCLUSION consumer reports does not include information solely as to transactions or experiences between consumer and the person making the report. I sent a written request for the credit bureau to correct my personal information, remove incorrect information, remove personal statement, and address the violations.

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 2018-10-02
Company: NATIONSTAR MORTGAGE LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have attached a complete statement with supporting documentation here. 

Briefly, I was contacted by two ( 2 ) credit reporting agencies I retain to monitor my credit report activity that Mr. Cooper/Nationstar Mortgage ( Cooper ) had filed notice of two ( 2 ) late or missed mortgage payments. 

In review, the alleged missed payments have been reported to the credit reporting agencies as XXXX and XXXX XXXX Cooper has applied payments made as of XXXX and XX/XX/2018 to months XXXX and XX/XX/2018, thus fraudulently attempting to induce the credit reporting agencies to lower my credit rating and make it appear I have not made timely payments according to Cooper billing statements and its notation that " I could rest assured the terms of my loan will remain the same, as transfers like this are common and do not reflect on the borrower in any way. '' Cooper has also failed to appropriately act on a County of Hawaii Real Property Tax Department exemption based on my VA XXXX XXXX status that has reduced my real property tax to {$200.00} for the fiscal year. Cooper has noted on its website that a refund is allowed to me for {$1000.00} plus from its escrow account, but is alleging the refund will not be processed due to my mortgage account not being current. Cooper has also failed in its recent assessment of the escrow account to reduce my tax payment based on the property tax exemption for the remainder of the year, thus my monthly mortgage payment has not been reduced. 

Finally, based on Cooper 's erroneous calculation in manipulating my timely mortgage payments, my credit score has been reduced by XXXX points placing my credit rating in an unsatisfactory category.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint regarding a case of identity theft and unauthorized financial transactions that occurred between XX/XX/XXXX and XXXX XXXXThe details of the incident are as follows : On XX/XX/XXXX late afternoon my phone ( the number is XXXX ) showed SOS no signal, I went to the phone store they told me my phone number had been unauthorized port out, I lost my phone number. 
On XX/XX/XXXX, me and my family had flight to outside the country before the airplane departing my wife login to our Chase bank account saw the unauthorized wire transfer, resulting in a loss of {$9900.00}. 
During XXXX, the thief use my phone number and my personal information to open 4 credit card. 
Also from XXXX XXXX XXXX the thief try to use my Chase credit card to make purchase. 
- On XX/XX/XXXX, when I get off first stop by airplane, I immediately contacted Chase Bank to report the unauthorized transactions and froze all my credit accounts. 
XXXX XX/XX/XXXX when I come back to U.S - I contacted local law enforcement and filed a police report at Police Station XXXX 
- I also filed an Identity Theft report online. 
- I provided a letter from XXXX XXXX XXXX certifying that my mobile phone number was stolen. 
- I contacted the major credit bureaus notify about the identity theft. 
- I called to dispute the credit cards by thief opened. 
Unauthorized Accounts and Transactions : -Wire transfer by Chase , Account number : XXXX Amount : {$9900.00} - Credit card opened by thief - [ ] XXXX XXXX - XXXX ] XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Chase credit card they try to purchase from XX/XX/XXXX XXXX XXXX, the credit card number is : XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX. XXXX XXXX XXXX. {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX. {$1300.00} XXXX. {$3000.00} XX/XX/XXXX. XXXX XXXX {$500.00} XX/XX/XXXX. XXXX XXXX. {$2600.00} I kindly request that the FTC investigate this incident thoroughly and take appropriate actions to help resolve this case. I believe that the circumstances surrounding this identity theft indicate a clear breach of security and negligence on the part of Chase Bank. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please do not hesitate to contact me if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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