BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After providing all the documents Nationstar Mortgage LLC asked for a few times over they told the company who helps to modify my loan that I am not qualified. They said if they were to qualify me my monthly payments would be over {$8000.00} a month! That means I have to make over {$24000.00} a month to be qualified. My payments before the hardship was less than {$4000.00} a month and I do n't know how do they calculate in order to come up with such a number. I called and they said the new loan is based on remaining years on the loan with fully amortized. I have heard that banks and servicers offer 40 years with low interest. 
The other problem is when I sent them my income and stuff they still think I do n't make enough money to qualify even for {$4000.00} I was paying before. I do n't think they have all the facts and are not applying correct numbers I sent to them. 
I still do n't have a final letter of denial in writing from them to me but just a note to the law firm who is representing me. I am wondering and scared they may go directly to foreclosure without giving me the chance to appeal and or send my income again because I am not sure their calculation of my monthly income and expenses are correct. 
This happened before when my loan was with XXXX XXXX XXXX and then went to XXXX and now at Nationstar. 
The other thing is all the assignments and transfer documents they presented to me were false and not signed by real people. I have sent them all the recorded documents but they still are trying to use the existing fraudulent and fabricated documents to foreclose on me. 
Nationstar filed a Notice of Default XX/XX/XXXX and Notice of Sale XX/XX/XXXX using fabricated documents. Someone by the name of XXXX XXXX as VP of their company and at the same day and time as VP of XXXX XXXX on same date and time!!! signed Substitution of Trustee and Assignment of Deed of Trust. My question is if you can be a Vice President for XXXX different company in XXXX different countries at the same time??? 
XXXX XXXX XXXX tried the same documents but failed and paid a penalty through Independent Foreclosure Review and now Nationstar wants to do the same thing again. 
I need your help to resolve this matter. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are the hard inquires that I have no knowledge of

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; Medical XXXX Balance : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 2021-07-07
Company: EQUIFAX, INC.
State: OH
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 had written dispute to the bureaus Equifax, XXXX  and XXXX  regarding several inaccurate accounts that does not belong to me. Those accounts are not authorized and done without permissible purpose. Up to date I have received no response nor proof that the alleged accounts belongs to me. These erroneous reporting badly hurt my credibility to obtain a fair credit. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Affirm 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: Account status incorrect

Complaint:
The loans are paid in full. I have contacted the company. They will not update. I have disputed twice with XXXX and still will not update balance to XXXX  and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First of all, I had to disconnect my home phone because it was the only way to stop unwanted soliciting calls from Nationstar Mortgage. Seriously. I HAD TO DISCONNECT MY HOME PHONE BECAUSE OF THEM!!! 
They, Nationstar bought my mortgage from XXXX, of course without my consent, and since I had a home phone number on file, they started calling twice a day every day begging me to refinance the very same loan they just bought the way it is. I had to say I do not want to refinance the loan hundred times. I talked to manager, and to managers manager, and they keep promising the soliciting calls will stop but they did not till I disconnected the line. Thanks God I was smart enough never to give them my office number cause like I sad I had to disconnect the phone to get rid of them. That is the reason I will never call them from my cell or office line not to let them have the numbers. Now, they started making mistakes on my payments and charging " Other '' from my monthly payments. So I went to their web site to send them email and inquire about it but to my disbelief their web site is not working. Of course only if you want to send email, I guess to prevent customer complaints. And it is not working for many days now, since last week. I just ca n't believe this joke of company has a license to do this business in the States. They can not introduce new " Other '' charges to MY MONEY just because they want to. Right?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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: Account information incorrect

Complaint:
I request that your offices provide me with competent evidence that I have any legal obligation to pay these alleged debts. 
Please Be advised this is not a refusal to pay, but a notice that these claims are disputed and VALIDATION is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 



1. XXXX XXXX XXXX XXXX Credit Card with account # XXXX 2. XXXX XXXX XXXX XXXX Unsecured loan with account # XXXX 3. XXXX XXXX XXXX XXXX Credit Card with account # XXXX 4. XXXX Credit Card with account # XXXX 5. XXXX Credit Card with account # XXXX 6. XXXX XXXX XXXX  XXXX Auto Loan with account # XXXX 7. XXXX Charge Card with account # XXXX 8. XXXX XXXX XXXX - with account # XXXX 9. XXXX / XXXX  XXXX  with account # 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 2022-02-09
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted to review my Credit score with Experian they state there is not enough information to provide a score. They also advised they show me as deceased. They have obviously mixed my name up with my deceased fathers name. I have a good credit rating with XXXX and XXXX. They need to correct there mistakes and not bind my debts with my deceased father. I have assigned current accounts that the other XXXX credit reporting agencies have why does Experian have these problems.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While there was an active fraud investigation occurring on my credit card account, Capital One allowed an unauthorized phone payment of $ XXXX to be made from my XXXX checking account. My account was enrolled in auto pay to pay the balance in full on the XXXX of each month. This payment occurred on XXXX and was clearly done to increase the open to buy on the account so the criminals could continue using the card. 

While the fraudulent transactions were reversed, Capital One had been obstructive in resolving the unauthorized payment. We have followed all their directions. Most recently, who have been run around in circles trying to send a form from XXXX that Cap One requested. Theyve rejected or said the cant find the form several times. I finally found a supervisor whos been somewhat helpful. He says I have to wait till XXXX to follow up with him to see if theyve received the form. When asked about next steps after the form is acknowledged by Cap One he didnt seem to know. 

Ive requested a refund of the $ XXXX credit balance currently on my account which was created through my own funds. Cap One says they cant do this. 

Im in despair. $ XXXX is a lot to be out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I found out by surprise from a XXXX credit report that my Discover card was closed. I contacted their customer service and they claim they contacted me by XXXX XXXX XXXX XXXXXX/XX/2022 that I needed to use the card within a month or so or it would be cancelled. In reality, I never received this letter. I have a daily digest of incoming mail with photos from the XXXX and I checked and no correspondence from Discover was ever received. I believe they XXXX be telling people that these letters were sent when in fact they are not. I brought this up with their online customer service and was not given any sort of reasonable explanation. I have a copy of this transcript from Discover customer service if you want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX - Letter was sent to and received, by certified mail, to LexisNexis asking their validation process. 

XX/XX/XXXX LexisNexis did not give proper investigation of the bankruptcy or give me their validation process which was demanded. currently showing on my credit report. 

XX/XX/XXXX - Another letter was sent to and received, by certified mail, to LexisNexis asking their validation process again AND stating to them that I never gave written permission to furnish any type of report to anyone. This letter has not been responding to and a bankruptcy is still showing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Their investigation did not fix an error on your report

Complaint:
This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate.

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 2022-11-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am XXXX XXXX XXXX and have a credit history spanning 37+years. In XXXX of XXXX I wanted to purchase a home so I checked my 3 credit reports through XXXX XXXX XXXX. Equifax was one of those. In mid XXXX, the mortgage company checked the reports as well and all was fine. This week, the underwriters wanted one more look. But my Equifax credit report file was unavailable. I called Equifax and they told me that I DID NOT HAVE A CREDIT REPORT ON FILE WITH THEM!! I faxed in my social security card, my driver 's license, my address, previous address, date of birth, previous name, anything that would help. I spoke with 6 agents, one from fraud dept., and a supervisor. I have no Equifax credit file. Someone at Equifax deleted my information through fraud or incompetence. I need your help, please. There are the SAME people who caused the XXXX data breach. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX - XXXX Date Opened : XX/XX/XXXX Balance Owe : {$0.00} Dispute Status : I already paid the balance in this account and why it is still reporting as collections, it needs to verified and removed in my credit report. 

XXXX XXXX - XXXX Date Opened : XXXX Balance Owe : {$0.00} Dispute Status : I already paid the balance in this account and why it is still reporting as collections, it needs to verified and removed in my credit report. 

XXXX XXXX - XXXX Date Opened : XX/XX/XXXX Balance Owe : {$960.00} Dispute Status : I need to verified and removed it to my credit report. 

XXXX XXXX  - XXXX Date Opened : XX/XX/XXXX Balance owe : {$2500.00} Dispute Status : The balance is too high I need it to verified and removed it to my credit report. 

XXXX  - XXXX Date Opened : XXXX Balance Owe : {$0.00} Dispute Status : I need it to verified and removed it to my credit 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 2022-09-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XX/XX/XXXX I contacted all ( 3 ) Three Credit Bureaus, over the phone and also online submitted dispute ( s ) pertains to all of the incorrect information on my file. ( It was brought to my attention that my identity had been breached. ) See Below ; ( None of the addresses on file are correct ) My only address is XXXX XXXX XXXX XXXX XXXX La. XXXX Need to be Removed ( See Below ) XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX My Only XXXX # has been XXXX Please Remove Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account that were Never Mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : According to Code U.S.C 1681 Sec. 602A States that I have the Right to privacy.

U.S.C 1681 Section 604 A Sec. 2 My Privacy should be furnish without my written consent.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The credit bureau engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report an account in which I have no contract with. We have no agreement therefore no agreement was signed. A legal contract is signed by two parties, and I did not participate in any agreement with the malicious party who is abusing me as a consumer. More so they did not follow the proper five step validation procedure which makes these unfair practices.

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 2022-02-09
Company: ROBINHOOD MARKETS INC.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened up a Robinhood account back in late XXXX or early XXXX and was investing money in several stocks and crypto. A few months back Robinhood froze my account with over {$26000.00} in it and refused to give me a reason. They wanted me to submit a social security card, drivers license, unredacted bank statements showing amounts in my account, selfie holding identification, etc. I did not have a clearly legible social security card that my phone camera would pick up, it was just old, and I explained this but they made me get a new one from the Social Security Administration which took weeks. I initially sent funds from my business account to Robinhood and when I sent that exact account 's bank statement Robinhood said it have to have my name on the account NOT my business. Again, I did NOT change anything, not one thing. I wanted to move funds back into the SAME account from which it was sent to them. Same account, same account number, nothing changed. I finally received my social security card and sent that so they have everything they wanted from me but they only say, " we are still reviewing ''. Nothing else. They are holding 26K of my funds for NO REASON. Please assist if able.

Company response to consumer: Closed with explanation