BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
This is the 6 complaint on Equifax with CFPB and I have made a compaint with XXXX, Attonery General, FTC identiry theft, I just got another email stating two of the many disoautes are completed inquiries XXXX XXXX, and XXXX XXXX XXXX XXXX that they are accurate which they arent I had to submitted more research forms when I have already sent about 10 different ones to them and they still arent correcting my reports. I have also attached in this complaint the certied copies of the sign valadation letters that were sent to Equifax where i sent them the same documets that I sent the folowing complaies and they signed that they did get them i have attched the orginal FTC Identry theft report that i sent back in XXXX and the complaint i filed back in XXXX to XXXX XXXX and it is XXXX and im stil dealing with this. They havent remved any inquiies not even the ones were XXXX XXXX sent them two digfferent letters saying to remove the two inquiries for XXXX XXXX. This is rediclouis that they will not do their job this is why peoples credit gets destyoed because they will not do anything even when you report them and they are breaking so many laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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: 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. has violated my rights. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, 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 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 2023-10-03
Company: EQUIFAX, INC.
State: CA
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:
REcent investigation dated XX/XX/2023 shows investigation results agreed that inquiries in disputed should be removed. To this date none have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: M & S FUNDING, INC.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They are refusing to help in any way. I was good on my payments until XXXX XXXX happened. And I was unable to work. They didn't work with me and ended up repossessing the vehicle. I made an attempt to pay them some of the past due one I got a job. But they wanted all the missed payments before they'd help. So the repossed ll the vehicle.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-26
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 have noticed many incorrect and unauthorized items appeared in my report.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error.

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 2015-05-02
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After researching my issue and determining that I am eligible ( no late payments, LTV under 78 %, loan active over 5 years ) to have my FHA MIP removed from my account, I contacted my lender to start the process. I was slightly confused when i ended my call with them, due to the fact that they insisted that I would have to pay for a new appraisal in order for them to make a determination ( with no guarantees ) whether to cancel my PMI. I could under no circumstance get them to even call it MIP, let alone admit that any difference between MIP and PMI existed. They sent me a form to start the process, the form is basically an agreement on my part to pay for an appraisal. I called them back and eventually their representative told me to call the XXXX at XXXX. The center sent me a summary of their guidelines in my situation. Following these guidelines I sent my lender a written request of my desire to have MIP cancelled on the loan, and asked them to forward my request, along with supporting payment documentation to the FHA for approval. I also included a copy of FHA 's guidelines for their reference. After waiting over 60 days for a response I contacted them by phone again and was informed that they received my letter, however no action was taken since it did not include the form releasing them to order an appraisal at my expense. After much discussion with this representative his only recourse was to have me call the XXXX again. All any representative at my lender will do is quote some lines from what I believe to be a summary of the PMI Act of 1999. They will not admit that a FHA insured loan is different in any way from a private contract loan, even after me offering specific guidance as to Mortgage Letter numbers published by XXXX specific to this issue. The XXXX, being an informational entity and not an enforcement one could offer me no further guidance, hence, my complaint filed here. I have attached all correspondence I have relating to this issue, including the form my lender wants me to sign, the guidance email sent me by the FHA, the corresponding XXXX Mortgage Letter relevant in my situation, and the original request I made to my lender to have my MIP terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
About an hour ago at around XXXX on XX/XX/2022 after finishing my dinner with my dad, he hands me over a wad of cash that total to about XXXX dollars USD. I decide to go to the nearby bank to deposit the cash since I did not feel comfortable holding onto this large amount of cash. I look at the screen the ATM says and it says to insert up to XXXX bills. Since the cash amounts are full of XXXX the total could have been no more than XXXX. I insert everything at once and after the ATM starts to process the cash, the longer it is processed, my worries continue. After around XXXX minutes of waiting, it spits out an error message of only processing XXXX dollars. This is approximately XXXX less than I was expecting. After I obtain the receipt, it says it processed about XXXX dollars. The ATM ID associated with this transaction is XXXX on 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 monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Debts result of ID theft, account takeover fraud etc-see links below ( court order, local police, FTC, iC3, etc included in links below for your verification-zip file too large for attachment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete lines immediately-waiting for months-accurate history needs to be moved to new credit profile granted for 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 2023-09-26
Company: Experian Information Solutions Inc.
State: AL
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:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account ( XXXX XXXX XXXX XXXX ). Because the balances being reported by your company and Experian are different, this means the account has not been properly verified. Please delete this account immediately Received verification of Debt owed to XXXX XXXX, XXXX on behalf of XXXX XXXX ( AL ) on XX/XX/2023. 
The amount this is owed that they have verified is {$1600.00}. The amount that is reporting as of XX/XX/2023 to Experian reads {$1600.00}. 

( Proof has been included below )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX Fifth Third Bank is who I have done banking with for 3 years and while I am sitting at work one day with my debit card in my hand, I logged into my account online and my money had gone from {$410.00} dollars ( which was part of my rent money ) to XXXX dollars and the charge said XXXX I have no bills I pay to XXXX for any reason whatsoever. I reported this immediately to my bank and they shut that debit card down. It states in the cardholder agreement that with-in 10 business days they will credit my account while they complete their investigation. It has been 30 days and I still have not received my money back I even called XXXX and they looked into it and told me I was a victim of gift card fraud. The criminal who created this crime got away with getting my money out of my account to purchase a gift card and then cashed it. If I can not receive that money back by the XXXX of XXXX My daughter and I will become homeless with no place to live because the bank did not honor their agreement they sent me a paper to sign told me I could email it back I did the same day and still nothing no money. If I become homeless where is my protection I am scared to death and someone needs to be arrested for this crime. I was a loyal member for years and this is how I am treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortgage off that I had with Nationstar. I still have not received my release of loan documents. All I now is that they hav my money but no evidence that it is paid off. I want papers that state that I no longer owe money on my home. I called and went through all the menus finally was connected to a real live person. I explained what I wanted gave him all the information including my social security number he told me he told me that he would have to research it for me. I was put on hold for XXXX minutes and then was disconnected. I should not have to go through all this consternation to get loan release certification. I am so glad that I no longer have a mortgage with Nationstar this is not the XXXX incident I 've had with them. They are not a reputable company. They seem to be a little shady and not really professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I attempted to cancel an automatic payment, but soon after another payment was taken, and the attempted cancellation did not go through their system. I asked the company to return the overpayment, and they stated that it would take XXXX days. It took XXXX months. During that time, I had {$1000.00} of bank charges for bounced transactions from my other bills that automatically were deducted from my account. This all occurred before I realized that they took the XXXX payment. They state that they did hear the recording of me asking their representative for the return of funds. They have not accepted responsibility for the bounced check fees. I requested that they add a letter to my credit report, which has been significantly affected secondary to the missed payments, which they have not done. I will file a XXXX complaint about another company that was complicent in my credit score as a result of this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello I tried to file a deed in lieu of foreclosure with Nationstar mortgage ( account number : XXXX ) and I submitted all the required forms to my rep, XXXX XXXX, but she never responded. The first time I submitted the forms via fax was on XXXX/XXXX/2015. She did respond. I called and emailed her again on XXXX/XXXX/2015 and XXXX/XXXX/2015 and again, no response so I refaxed all requested documents. She still did not respond. I finally reached a deed in lieu representative on XXXX/XXXX/2015 who told me my home now has an auction sale date of XXXX XXXX and I can no longer qualify for a deed in lieu because there is a sale date. At that point I then enlisted the help of my agent XXXX XXXX to try to attempt a short sale and he submitted a request that same day. Still my request was denied because I was told there was not enough time to review my short sale request. I 'm very upset because I initially did everything I was told to do to complete the deed in lieu on time before a sale date was even put in place and because the rep refused to return my calls or emails I 'm not unable to complete a deed in lieu or even a short sale now. 

Please help as I feel my lender did not operate in an ethical manner and I 'm now unable to pursue any other options. 

Thank you. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home XX/XX/XXXX for {$59000.00} and I have only been late on payment XXXX time ( XXXX days ). I recently looked at my mortgage statement on XX/XX/XXXX and my balance is showing {$64000.00}. I have called and spoke with several people, I have been transferred to several departments, and even asked to refinance and put my appliances under warranty. I went as far as going downtown to get my original deed and suggesting that I fax it over so they can correct their mistake. The lady transferred me again and stated that the escrow department is closed and call tomorrow. I can say that everyone that I have been transferred to in the past week as been polite, but has not been helpful. They have offered others warranties, refinancing, and shopping for other home insurances. Now it almost XX/XX/XXXX and I still have not received a phone call back regarding how I purchased a house in XX/XX/XXXX for {$59000.00} and now it is XX/XX/XXXX and I owe {$64000.00}. Also when I called back in the earlier part of XX/XX/XXXX this year to inquire about this matter, I then receive my XX/XX/XXXX and XX/XX/XXXX mortgage note and it had XXXX. I pay $ XXXX/month and now my statement is saying $ XXXX/month. Please help me to understand what is going on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I HAD A SALE DATE ON MY HOME ON XXXX XXXX WITH NATION STAR MORTGAGETHAT WAS TRANSFER FROM XXXX XXXX XXXX, TO XXXX, FROM XXXX XXXX XXXX, I APPLIED FOR A LOAN BUT THE LOAN WAS TRANSFERRED, FROM XXXX PLACE TO ANOTHER, SO I REQUESTED " A QUALIFIED WRITTEN REQUEST '', BUT NEVER GOT ARESPONSE, BUT ACCORDING TO THE REAL ESTATE SETTLEMENT PROCEDURES ACT THEY ARE SUPPOSE TO SUPPLY WITH ALL DOCUMENTS PERTAINING TO THE REQUEST, BECAUSE I DO N'T KNOW WHO IS HANDLING THIS LOAN AND MY LOAN MOD REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Capio Partners, LLC
State: LA
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 did not give consent to share my personal information with these creditors. This is a violation of the HIPPA law as well as my privacy there were no proof of method of verification and there were no proof of how the debt was validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I mailed a payment of {$2000.00} the payment was received and cashed on XXXX XXXX, 2015 ( apparently it was applied to the wrong account number ). When I called on XXXX XXXX, 2015 I was told that they had n't received my payment so I went ahead and wired {$4400.00} ( the amount that was past due according to whomever I spoke with ). I asked that they refund the {$2000.00} and they said that they could n't because they had n't received it. I called back again because I saw that payments had been made on my account through XXXX 2015. I told whomever I spoke with at the time that I wanted the {$2000.00} and I was told that they would refund the money. Since then I have called several times and requested to get my money reimbursed. Each time I call I am told that they are working on it and will reimburse the money. I have spent hours on the phone with Nationstar and I 'm tired of getting the run around. I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: NAVY FEDERAL CREDIT UNION
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:
XXXXXXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX Balance {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reported navy fcu acct # XXXX opened XX/XX/XXXX Balance {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation