BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was involved in a very XXXX accident in XXXX 2015. This began a downward spiral for me -- I was unable to work after 25 years as a XXXX XXXX. I had to wait nearly 10 months for my workmen compensation to be approved and had no income during this time. And this led to me defaulting on the mortgage loan for my manufactured home that I have owned for over 20 years. I have tried in vain to get Nationstar Mortgage to help me get back on track with this loan but it seems to me that the agents at Nationstar are vague and dishonest. I can not get a hold of anyone who knows anything about my mortgage. I have no assigned dedicated contact, and get transferred from department to department when I try to work to resolve my mortgage delinquency. The people at Nationstar say they will help, but it is just lip service and nothing actually happens. Now I have a foreclosure sale date set for XXXX XXXX. 

I ran into problems when I was involved in a XXXX accident in XXXX and ended up with a XXXX XXXX and XXXX as well as XXXX problems. To make matters worse, when I got back to XXXX I discovered that my mobile home had been broken into and my belongings had been stolen and the place was trashed. Due to the injury I was unable to work. I had been a XXXX XXXX for 25 years, but it took nearly 10 months to get approved for workmen 's compensation so I literally had no income during that time. I used what savings I had to keep up on the payment but eventually fell behind. 

I am now receiving SSI and have enough income to afford a fair mortgage payment. The problem is that I ca n't even get Nationstar to give me the time of day to look at my situation and review me for available programs. I have tried to resume making payments but am told I have to reinstate all missed payments at once -- I am not able to do this. However, I do have the means to afford a fair and reasonable payment if Nationstar were to conduct a review of my current financial circumstances. Why am I not being considered for a modification, or a forbearance agreement or a consideration for putting the late payments back into the balance of the loan? Why has Nationstar not assigned a point of contact and turned their back on me,? I also believe that Nationstar is violating the law for XXXX Homeowner 's. I have been told that they are required to conduct a review of the current financial situation of the homeowner before they foreclose ; this has not happened in my case, and I am filing a complaint against Nationstar to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 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 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
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:
My identity was stolen. I contacted these companies previously and advised them that these accounts did not belong to me and it was identity theft. They have refused to block these accounts and are violating my rights. They are also damaging my credit score as well as my ability to live properly.

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 2023-10-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX lowered my credit limit for no reason. When I called to make a payment, I realized my credit card account was closed without my knowledge.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
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 value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
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:
In accordance with The Fair Credit Reporting act XXXXXXXX XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a 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 explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
All three credit bureaus are not reflecting my Student loan has been paid in full for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent pay in full letter to all three bureaus.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
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 have made multiple attempts with the Fraudulent Company as well as EXPERIAN to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from EXPERIAN. EXPERIAN IS Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically OFFICE ATTY GENERAL XXXX EXPERIAN REPORTS LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX XXXX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX EXPERIAN STILL HAS NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. XXXX, AND XXXX HAVE HONORED AND REMOVED THE ENTRY FROM MY CONSUMER REPORT. Further, Here is PROOF FROM THE SECRETARY OF THE STATE OF TEXAS. THERE IS NO LIEN OR LOAN IN MY NAME THAT I OWE ANYONE!!!! THIS PROVES THAT OFFICE ATTY GENERAL XXXX IS REPORTING FRAUDULENT, INACCCURATE INFORMATION!!!! I HAVE DISPUTED THIS FACT MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. EXPERIAN REFUSES TO REMOVE THIS ACCOUNT. THERE FORE THEY ARE GUILTY OF A COUP WITH THE OFFICE ATTY GENERAL XXXX. I WANT THIS ACCOUNT REMOVED IMMEDIATELY. I WANT {$5000.00} IN DAMAGES FROM EXPERIAN FOR WILLFUL NON COMPLIANCE.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I were forced to refinance our existing mortgage with your company after we fell behind on two payments due to a loss of income. We were threatened repeatedly with foreclosure and out of destitution of losing our home, we signed the paperwork. The refinance fees were astronomical, and our interest rate was outrageous. Our new mortgage payment was over {$2000.00} a month and it was only by the grace of God that we were able to cash out a retirement account to cover the expense. We would end up having to refinance the house again a second time just to get payments that were more manageable. We felt taken advantage of and misguided during this time period. We have not heard from Wells Fargo since the XX/XX/XXXX verdict.

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 2023-04-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX both Equifax and XXXX dropped my score by 90 points. My utilization is around 25 %, it is usually lower, but we booked a trip to XXXX. Normally around 22 %. All my bills were paid on time, except one late payment because we were in XXXX for a small amount. It was promptly paid on our return. I feel their action on a XXXX XXXX drop was excessive. I always had good credit, never defaulted on anything and paid my bills on time. In all the years my history shows on time and in good standing. I would like them to explain to me their reasoning. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX NOT FINISH INVESTIGATION ABOUT BANKRUPTCY. 
XXXX XXXX SENT LETTER STATING NO BANKRUPTCY ONMMY CONSUMER REPORT AND THEY HAVE NOT DELETE IT FROM MY CONSUMER 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 2022-11-06
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022 TO : Consumer Financial Protection Bureau RE : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Claim ID # XXXX Card Ending XXXX Attn : CFPB I received a notice from my Regions Bank, disputing certain transactions. Based on their investigation, they determined not to credit any of the fraudulent transactions. 

I received my XXXX  check early for the month of XXXX, which was on XX/XX/2022. I called the automated banking system and realized my check was short by {$200.00}. On XX/XX/2022, I went to the ATM and withdrew {$600.00} as I do every month. My budget does include {$300.00} on a monthly basis for website use. On XX/XX/2022, I again called the automated banking system, and my balance was negative {$1900.00}, I immediately called the Regions Fraud Department. They conducted their own investigation, and informed me that I made all of the charges, which I did not. I talked to Regions Fraud Department multiple times, and some of the conversations were of a negative response, and was disconnected. 


I received my XXXX  check on XX/XX/2022. Regions Bank records show from XX/XX/2022, thru XX/XX/2022, showed charges of {$630.00}. My website usage was {$150.00}. The balance of {$470.00} were fraudulent charges. 

I received my XXXX check on XX/XX/2022 for the month of XXXX. I called the automated banking system for my balance. This check was for {$1000.00}, which was {$200.00} less than expected. I went to the ATM and withdrew {$600.00} as I do every month. I spent {$280.00} on the website, as XXXX budget {$300.00} for this expense. 

My documentation shows for XX/XX/2022, {$470.00} fraudulent charges. For the month of XX/XX/2022, {$1400.00} fraudulent charges. For the total of the two months, I was scammed {$1800.00}, which is close to the {$1900.00} Regions says I owe. 

Please conduct your own investigation into this matter. 

Sincerely, 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
Consumer complaint received 2023-11-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX, an infant minor trust, is the victim of fraud. A contract between an XXXX XXXX XXXX XXXX can only be the result of coercion, misrepresentation and fraud. Any such contract is illegal and non binding. Financial institutions, acting as trustee of infant minor trust, failed fiduciary obligation. Beneficiary was billed and trustee claimed remittance coupons. I have submitted XXXX dispute for fraud to XXXX, and no relief has been provided. I am the sole equitable beneficial title holder, beneficiary of the XXXX XXXX XXXX. Beneficiarys are to receive all benefits, and can not preform any duty of the trustee.

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 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I just opened a new credit card with Bank of America. I opened the card with a XXXX XXXX  APR for 18 months promotion and made some balance transfers from other cards to better pay off that debt. I carefully budgeted out how much to transfer based on a {$400.00} per month fixed autopayment so that I would not be charged with interest at the end of my promotional period. When I went to set up my autopayment, I was only allowed to set up a minimum payment balance OR paying off the full statement. I called customer service, and they informed me that a couple months ago, Bank of America stopped letting all customers make autopayments at a fixed amount. Fixed monthly payments are standard at all the other financial institutions I work with ( XXXX, XXXX, XXXX XXXX ). It's clearly not a technical problem on their end, as they offered this service so recently that their own description of payment amount options on their website still includes the fixed amount option. 

This appears to be a blatant attempt to charge customers more interest by denying them the ability to pay off more than the minimum amount each month via autopay.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: LA
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 my NUMEROUS 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2017-02-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dual tracking. I submitted a complete packet by the end of XXXX 2013. I dealt with XXXX different people who requested the same information that I have already submitted. I sent a completed RMA, Hardship affidavit, signed and dated XXXX taxes, profit and loss, check stubs EVERYTHING that was requested in XXXX 2013. I did the same thing in XXXX 2013 and XXXX 2013. I requested updates, called and sent multiple emails trying to find out status. Finally 4 days before the auction I received an email stating I needed to sign and date the Dodd Frank and the XXXX and get it sent back right away. I did so, and I received an email telling me it was received and my file would be put back into underwriting and he would have it escalated. 
The substitution of trustee dated XXXX/XXXX/2013 and the NOD dated XXXX/XXXX/2013 where both filed in the county where my home was. XXXX 2013 the NOS was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Client retained our firm and a QWR and 5-day letter has been sent to the lender, no response has been provided - The client has the write to counsel and we reserve the right to review the clients history of the loan to validly assist the client in obtaining assistance with there mortgage - the lender has not postponed sale to allow this to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been with wellsfargo bank since 2008. However, i have had multiple issues where they charge me transactions on the wrong day, fees for not using my card for that month, overdraft fees caused by charged done on the wrong day. When i call and try to talk to them and question them a out it, they just say there's nothing they can do. That, that is how the fees are setup. Even when i lost my job and asked them to waive the XXXX fee for not using my card that month, they said they could only refund me $ XXXX. Making my account overdrafted by XXXX plus the XXXX remaining. Then sending me a letter that i had 5 days to bring my account current otherwise I'd be closed off and sent to collections.

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 2023-12-12
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:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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