BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have incorrect increase showing on my account when I had a freeze and on my three credit bureaus for the past 6 years! Those inquiries are fraudulently done I am a victim of fraud I sent in several copies of police reports and they still Place those inquiries on my report hard and soft! Also they are showing public records of bankruptcy XXXX  XXXX and XXXX which is XXXX XXXX XXXX XXXX XXXX they told me they going to keep it on there for 10 years when I contacted the consumer they said they never report information to any credit bureaus and also gave me a letter to send to them and spoke with them on the phone and they still keep that public records on my credit report I want them removed they are falsifying in line saying they contacted the bankruptcy courts and they reported the bankruptcy to them which is false information I want my XXXX XXXX and XXXX removed it's stopping me from purchasing a house as a first time homeowner! I also have accounts on there that's closed out and old with inaccurate information and also have accounts on there that's not even me saying that I'm an authorized user on a credit card I never in my life on the credit card I sent the police reports I'm a government employee at the post office in all of our information had been breached it was on all national news channels everyone knows this ever since then five years ago I've always had a freeze on all three of my credit reports even XXXX XXXX  and I don't understand how these accounts are being placed on my credit reports every month some of them you can look and see the dates that is fraudulently done they're back to back please have them to remove this false information on my credit report ASAP they investigated and it's constantly keeps it on there I want this stuff off so my credit score can go up I even have accounts that I paid off and they still reflecting on my credit report! They keeping my credit score at a XXXX this is ridiculous someone need to get to these credit bureaus all three of them and stop letting them fraudulently put information on people 's account saying that they getting public information from the vendors when they're not! I want those bankruptcies move both of them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
SPS mortgage continues to harass me by not posting my payments correctly. Ive already called them three times ( this round of problems ) asking them to back out the principal payments and post my advance payments. They also have collected impounds from me which is in my modification agreement, but they have decided to collect extra money and they told me that they could do that under the law nothing being sent to me no notification. My modification amount was 3800 monthly my payments now {$4000.00}. Theyre non-responsive with phone calls. They have told me that they can take whatever extra money they want. I am now trying to sell my house because Ive been so harassed by the lender. I feel that my age is a factor with their discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-11-26
Company: EQUIFAX, INC.
State: LA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did NOT authorize any of the listed accounts to be furnished on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: LA
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've tried numerous times to get items removed from my credit report such as inquires i don't recognize and charged off accounts that were paid in full. ive asked the credit bureau for an accurate report of my account and nothing has ever changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NJ
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:
I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately, I have never had late payments on any of them. 


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 2016-03-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2016 Nationstar illegally withdrew from my checking account two mortgage payments illegally from my checking account. I had only authorized for one payment yet they took two payments which made my checking account go into a negative balance. Luckily my bank notified me in the same day which was very frustrating to resolve. In the interim i had contacted Nationstar to advise them of the problem and advising them of their illegal attempt to take more money from my account than authorized. After i had notified Nationstar their response was to freeze my checking account which does not allow me to make a payment for this month and forcing me to go further into default. The fact that i am not able to make my payment on line shows the ill will the lender has against me that is a minority. I am appalled and shocked that an error that was discovered to be " their '' fault has penalized me from making a payment for this month. In this connection, i was also charged a NSF fee and other fees on my loan that i think is unfair. I have also written to this lender asking them to provide me a breakdown of the XXXX 2016 mortgage payment to which they have refused to respond. I am asking that you please look into this incident as i think their treatment is very unfair. In closure, please not that this is also forcing me to pay additional fees as i am not able to use the online service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: GA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: NATIONSTAR MORTGAGE LLC
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job 4 years ago, so I tried to get help with a Hamp loan modification. Nationstar told me I was not in enough hardship and denied the modification. I had to file bankruptcy so I worked XXXX sometimes XXXX jobs to make my over {$700.00} house payments. I could not miss payments because of my bankruptcy. Now I tried again to get help because I ca n't find a part time job any longer. Again I was denied because not enough of a hardship. XXXX paycheck does n't even cover XXXX house payment. If XXXX or hamp is a federal program, why ca n't I get help now instead of when I get deeper and deeper in debt. I am XXXX XXXX XXXX old, and only have XXXX years on my loan. So what am I suppose to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
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 an account - checking- with Citizens bank in XXXX Vermont. They have a policy that seems to me onerous and should be illegal. 
If a customer ( me ) accidentally overdrafts, they charge a fee of {$35.00} and they have a policy that they can charge you this up to four times a day if the person trying to charge attempts four trys. So right away I owed them {$140.00} overdraft fee when the XXXX XXXXXXXX XXXX tried to charge my account {$1.00} four timmes in one day. 
Then tthe Citizens policy allows them to continue to charge me {$35.00} a day for every day that I do not stop the XXXX by making a deposit to cover the current overcharge. 
For someone like me on social security of {$1500.00} a month which is auto deposited to this account once a month, the bank will eat my entire social security check of {$1500.00} within one month. 
If this is legal it shouldn't be. XXXX XXXX bank has a policy, for instance, that allows a customer to overdraft by {$450.00} and they charge a one-time fee of {$35.00} which the customer can rely on not to increase for at least one month while the customer finds the money to correct the overdraft. 
This is sane and reasonable and should be the norm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
Company: NEW YORK COMMUNITY BANCORP INC
State: IN
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:
The car dealership Flagstar and XXXX are showing up as an inquiry on my credit report as I didn't authorize anyone to pull my report nor did I apply for any loans. I have contacted them on several occasions and no one has been of any assistance to have this removed.

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 2023-10-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I had mortgage since XXXX with Wells fargo and they illegally foreclosed on it on XXXX. 

I was entitled to a modification and I was also lied to and dual tracked and not given a date or noticed. 

I also WAS OWED SURPLUS MONEY IN EXCESS OF XXXX and this money was STOLEN BY WELL FARGO AND THEY LIED ABOUT IT.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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. 

Accounts 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 non-monetary relief
Consumer complaint received 2016-03-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/2016 I called Nationstar mortgage, my servicer, to apply for a mortgage based on a solicitation I received. I spoke with XXXX XXXX at XXXX who accessed my current loan, which is now fully adjustable. I was interested in a HARP loan as my property is still underwater. XXXX wanted to pull my credit but I said before you do so I wanted to see if the rates were where I needed them to be as I has a bad experience with Nationstar the prior year ( more to come on that ). 

XXXX quoted 3.875 % on a XXXX ARM and 4.625 % on a 30 yr fixed based on my loan parameters. I said these rates were acceptable and that I wanted to apply. He said he would pull my credit, start the app, then call me back. XXXX mins later my phone rang and XXXX indicated my credit score was very high ; however, he misquoted the rate and in order to get 3.875 % I would have to pay XXXX points ( over $ XXXX ). This was not acceptable so I asked for his supervisor to call me back as I felt this was a bait and switch. If I knew that up front I would never have authorized hem to pull my credit as I did not want the inquiry. Note : the day I called the 10 yr bond was at a 3 yr low. 

The next day XXXX XXXX, the supervisor, called and said he listeded to the call. he apologized for his employees misinformation but could not offer me the 3.875 % rate. Again this was unacceptable as I would never had authorized them to pull credit if they told me the rate was with XXXX points. This is HARP loan and is supposed to help the consumer not extort them for XXXX points.. Note : my current rate is 3 % but fully adjustable and set to amortize over 20 years XX/XX/2016 The professionalism at Nationstar is severely lacking which is why I am filing this complaint. I attempted to refinance this same property last year, was locked in at 4.75 % with XXXX points and the loan was in process but the processor would not return any calls. She would just respond via e-mail.. I became frustrated and escalated to a supervisor who was not any better. The loan was being processed at XXXX. I did not have time for the back and forth e-mails as they kept asking for the same thing multiple times and would not call me to discuss. I never heard back from them and to this day I still have not received a disposition letter. 

With Nationstar being my servicer I have no other viable options for this HARP 2.0 refinance and I keep getting the run around from them. They need to honor the rate that was quoted as my payment is set to double this fall based on the letter I just received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I CAN NOT HEAR ON HEADSETS OR WHEN SOMEONE DOES NOT SPEAK CLEARLY OR WITH A STRONG ACCENT. 

LATELY IT HAS TAKRN OVER AN HOUR FOR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Possible Financial 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:
you are in direct violation of the fair credit reporting act Possible finance Inc Account numbers XXXX ; XXXX ; and XXXX have violated my rights.

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 UAC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish an account without my consent I have not given consent to furnish this account. these accounts do not belong to me. Please remove them immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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 2023-05-25
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} CXXXX XXXXXXXX Balance : {$1200.00}

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 2023-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have Wells Fargo and they are supposed to give me money due to the settlement claim but have not reached out nor helped me solve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to complain about an reoccurring issue with Nationstar. In XXXX 2015 I paid my mortgage through the Nationstar payment system an deceived a confirmation. Later, I received notice that I had been reported 30-days late on my mortgage hen I had in fact paid it. Later after speaking with a Nationstar representative I was told that they had never received the payment and that there appeared to me a problem with my account. I have used this account on previous occasions without issue, but Nationstar stated that they had to research the issue, but after three months I have not received a response to my inquiry. Currently Nationstar is reporting my account as 30-days past due and it is severely impacting my credit. This is the second time this has happened with Nationstar within a year and I am eager to get this removed from my credit so that I can re-finance my mortgage through another lender. Any assistance the CFPB can provide me would be greatly appreciated. Best Regards

Company response to consumer: Closed with explanation