BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: PNC Bank N.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was not sent in error ; I am a consumer by law and my information was misused and now I have some false not XXXX XXXX accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 found inquiries on my credit report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: ND
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I currently have a virtual XXXX credit card that was used in the past for a payment of a laptop. The account has been paid in full since XX/XX/XXXX. I have never been late with repaying the card. In fact, my account has never reflected any late payments until XX/XX/XXXX. These late payments currently reflect that they originated in XX/XX/XXXX and XX/XX/XXXX, but took XXXX  months before appearing on my account! When I inquired about these late payments, I was told that a new banking institution took over in XX/XX/XXXX from XXXX and now manages the accounts. I asked this new company to provide me with my transactions to show I was late in XXXX and XXXX XXXX XXXX. They told me they could not provide any information to me because they have no history of the accounts prior to XX/XX/XXXX! In fact, they said that any history before XX/XX/XXXX should no longer be used on my credit report. 

This new banking institution that has taken over my account has blatantly falsified late payments on my account.

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 2015-05-06
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was just recently sold to Nationstar mortgage from XXXX XXXX XXXX. I have been trying to get my PMI of {$160.00} removed since we have 20 % into our mortgage. After several attempts to get the paperwork, I received it 2 months late. I have tried to e-mail, regular mail and have tried to fax it to more than XXXX fax # 's that were giving to me by nationstar employees. The faxes do n't ever go through, and when I call they just give me another # that does n't work. They receive my payment checks but seem to disregard the paperwork about the PMI cancellation. Their lack of professionalism has cost my family hundreds so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On my credit report- XXXX is being reported as a charged off. Account # XXXX. Yet, I am paying XXXX - This account is not settled or charged off.

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 2022-09-26
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
REF. ) : Account # XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication.

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is True Accord using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & True Accord has yet to provide such clarity. Making any loan null and void According to True Accord they received my private personal identifying information from XXXX  XXXX. NEVER! Did I give XXXX  such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give True Accord my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to TRUE ACCORD who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of True Accords gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

True Accord has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}!. I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be XXXX Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. 

Attached is an invoice payable to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Entered into a short sale 1 month before the seller declared bankruptcy. A {$170000.00} judgement from default of a business loan. A third lien holder was assigned to the home. After the dust settled and with consent of the sellers we provided a HUD-1 to the bankruptcy trustee to move forward with the sale of the house. The cost of the house {$800000.00}. The HUD-1 represented the payoff to XXXX and XXXX mortgage holders and {$25000.00}. for removal of the lien from the judgment. This appeared to allow the short sale to move forward. Because of the HUD-1 showed funds that would be available for her creditors. The trustee petition the court to hire an attorney, then used our HUD-1 to file an adversary case ( XXXX ) to remove the judgment. After nine months we expected a revised HUD-1 with the trustee as the third party to develop and move forward with the short sale. To everybody 's surprise Nationstar the senior lien holder changed the price of the house and increased it by {$90000.00} which was way out of align with the value of the other homes. Nationstar has around {$750000.00} payoff. You could ask yourself why does n't Nationstar sell the house and just take what 's owed. Four months, after trying to negotiate a sale, we were told that Nationstar is like a bank. Unlike a real bank that requires to have percentage of cash in its reserves Nationstar uses the asset as the reserve. If the house was bought buy the previous seller at {$1000000.00}. the bank looks at its book value and compare is liability. They are {$250000.00} into the money. Immediately this property became a valuable asset to their portfolio. Nationstar uses advances through securitization of servicing agreements. Unlike XXXX and other banks Nationstar business is building a portfolio of performing assets. Nationstar had acquired a lot of properties in the last 2 years. The regulatory agencies have n't caught up. As far as this short sale is concerned Nationstar over stepped by misrepresenting to the Bankruptcy court. What 's in it for me. I am half of the HUD-1 the buyer. Half of that government document is me and Nationstar used it to remove a judgment for their own financial gain. I just wanted to buy the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: AK
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. 

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 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 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, has violated my rights. 

1 5 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. 1 681s-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: Closed with explanation
Consumer complaint received 2015-06-01
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage of {$1000.00} ( monthly ) was sold to Nationstar Mortgage by XXXX XXXX XXXX. Since the inception, It has always been my practice to pay {$1200.00} monthly instead of the amount due, in hopes that I can complete my payment earlier. Once Nationstar received my mortagage, they began charging me a monthly inspection fee of {$10.00} even though no inspection was being done. Upon questioning this in writing, the practice of taking the fee was stopped. Just this month, Nationstar sent me a notice that my regular monthly payment is now {$1300.00} and not the {$1000.00} which was based upon an agreed fixed-rate XXXX-year mortgage. On calling their Customer Service on XXXX, the representative told me that this was an Escrow increase, despite my contract. It is my belief that Nationstar have been conducting fraudulent and dubious business and I am further convinced of this after I took a look at their reviews on XXXX. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was recently denied for the HAMP program and according to my income the payments are not affordable. the denial letter did not give me that reason. i can not afford my payments at the present time although i keep trying and wind up paying late. my value of my home keeps dropping drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Nelnet, Inc.
State: FL
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:
at this time, XXXX XXXX, the living woman and consumer protected by federal law is writing the request in regards to errors that have not been updated nor deleted off my consumer report. It is a fact that the US DEPARTMENT OF EDUACTIONS NELNET has not proven, validated any facts regarding my written consent given to them or any permissible purpose to report on my consumer report. I NEVER GAVE CONSENT so how can NELNET overturn me the consumers decision, this is a identity theft act and violation. If i did not consent this is in fact identity theft. Pursuant to 15 US code 1681B you MUST HAVE WRITTEN CONSENT FROM THE CONUSUMER.NELNET has been sent by certified mail showing signature confirmation. In addition, XXXX continues to verify the information " accurate '' in violation pursuant to 15 US Code 1681AE, verifying information with public sources, family, friends, can not be factual, unless coming from the CONSUMER, XXXX, which in this case HAS NOT. The information needs to be deleted immediately. a Federal Claim is pending for violations under the US Codes and unlieable rights. NELNET IS IN RECEIPT OF DEBT VALIDATION LETTER also requesting the following pursuant to the fdcpa laws of requeting documentation to prove non ill will toward the situation in hopes of correcting thereof. Nelnet XXXX wa asked to provide ... .I am requesting the following from [ DEBT COLLECTOR ] : 1.Name and address of alleged creditor. 


2. Name on file of alleged debtor. 



3.Alleged account number or numbers 4.Address on file for alleged debtor. 


5.Amount of alleged debt. 



6.Date ( this alleged debt became payable ). 

7.Date of original charge or delinquency. 



8.Was this debt assigned to a debt collector or purchased? 



9. Amount paid if debt was purchased. 



10. Commission for debt if collection efforts are successful. 

However they responded with the attachments below, and without nay factual validation or any contract ties to myself and nelnet. We have none. and if so please request the ledgers the on and off ledgers pertaining to this account showing the bookkeeping. as well a any tax forms copies. NELNET can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: WA
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 have tried to explain to both XXXX XXXX and XXXX XXXX that I did not open a account with either company. They both have my social security number only they have wrong address phone number and email address. I have 4 other accounts with the bank that the XXXX XXXX is with that I have not ever missed a payment yet they opened up a account with only the social security number correct. I have notified them and they state I live in a apartment in XXXX. Im XXXX XXXX XXXX and have never lived in a apartment and I have lived in this house for over fifteen years

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 2023-12-08
Company: APEX Asset Management, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Axia billing department stated they sent me statements three different times-once in XXXX, where I paid the amount due ( {$17.00} ), but they state I still had a balance ( {$66.00} ) after the coinsurance paid their part. They state they tried to contact me, via the United States postal service with a standard letter, in XXXX, XXXX and XXXX. I never received any statements, therefore it wasnt paid. Instead of contacting me through another form of communication ( for example, telephone or email ), they sent me to collections. I called them and paid the bill on the spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent letters to the bureaus on XX/XX/22 and XX/XX/22 letting them know these accounts are a violation of the FCRA and should be deleted. These accounts are not accurate as they are not reporting the same across all three bureaus. 

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-07-04
Company: CBC Companies, Inc.
State: FL
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:
I would to OPT OUT of the following agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My personal information was stolen from me dealing with master card headquarters an bank of America stealing my identity data breach

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 2023-07-06
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: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. 
Please help me resolve this issue as soon as possible. 

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