BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK 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 2016-09-19
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification and was recently denied due to Nationstar mortgage is using debts that I do n't have against me. I asked about the denial and they informed me that I do n't make enough money versus the debt I have, when I asked them to breakdown my debts one of the Representatives stated that since you did n't provide a detailed breakdown of expenses we will generate our own expenses. I stated that I did so and it was already confirmed received and the gentlemen stated on XX/XX/2016 well it does n't matter because we generate our own even if you did It 's up to the underwriter 's discretion. That makes absolutely no sense so I called back and spoke to XXXX at XXXX and was again informed that I was declined due to income versus expenses. She was a lot nicer and provided more information. I was told that Nationstar 's underwriter stated that my water and sewer bill was {$450.00} a month when she sees that the financial breakdown of my expenses says {$65.00} and something called other for {$1500.00}, I asked what that other was for and she said no one knows but the underwriter and because they said other is {$1500.00} and water & sewer is {$450.00} then it stands. 
I am so appalled that a financial institution that has received bailout money to help me with a Government modification can disregard facts and make-up debts to decline homeowners. I am not going to allow Nationstar to make me a victim and let me lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have applied for a refinance of my current loan with Nationstar for my sole and primary residence, so that I could have a cash out to pay the second loan I have on the property, a HELOC that I want to pay off due to increasing high interests. In XXXX 2016 I started the process and is now SIX months of constant petition for more documentation and unjustifiable delays on their behalf. I have submitted every single document they have requested ( three times! ), they have done the appraisal ( twice! ), and always at the last minute there is some new item, some new regulation, some new thing that they get hang up on and stalls the process. Last time was an error in their system claiming I had been delayed on my payments- which I proved them wrong. This time they claim my Debt to Income ratio is to high because of some credit card debt I have. I told them that if I paid off this credit card debt, then it should not be a problem with that Ratio and the loan should go through, but apparently they want to close the file and do n't want to give me more explanations or a reasoning on how they are arriving to that ratio. This is after 6 months of trying to move this along. Meanwhile, the interest rate of my second loan keeps creeping up. Time is of the essence and they know it and they are wasting my time and efforts. Seems like a very arbitrary system is being laid over and an 'underwriter ' is always coming up with last minute requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is old now should not be reporting on my file now stated should fall off. 
STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We reviewed the attached complaint and our file on this matter. This account was assigned to us for contingency collections in XXXX for XXXX XXXX received by the complainant. She sent us a cease and decist/dispute/validation request letter in XX/XX/XXXX, which we responded to promptly. From that point, she continues to file online CDVs, which we have responded to and will continue to respond to. Fidelity is under no obligation to send validation multiple times. It was only requested once, contrary to her complaint, and it was sent XXXX XXXX ). Online CDVs are not a request for validation, nor do they mandate such being sent. If XXXX XXXX would like to honor her responsibilities and pay her bill, she is welcome to contact our office and make arrangements. Otherwise, the matter will remain active in our office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX I requested a modification of my mortgage, On XXXX/XXXX/XXXX I was sent a package with a payment plan for 3 months. On XXXX/XXXX/XXXX I was informed that I had successfully completed the trial period and was sent details of my new payment plan showing me a principal and interest of {$1100.00} and an escrow amount of {$500.00} for a total of $ {$1600.00} with an interest rate of 3.75 %. On XXXX/XXXX/XXXX I received a statement with a payment of {$1700.00} showing an interest rate of 4.375 % and principal of {$750.00} and interest of {$910.00} and escrow of {$65.00}. Then on XXXX/XXXX/XXXX I received a principal payment of {$760.00} interest of {$910.00} and escrow of {$65.00} still with a 4.375 % interest rate. Now I am receiving a payment request for {$2200.00}. 
I do not understand why the change in amounts and interest rate Initially I had a mortgage for approx. : {$2900.00} for 15 years, I was unable to make the payments on time after my divorce and ask for the modification but it appears that now over 30 years they want me to pay {$2200.00} monthly and still have the subordinate mortgage of {$77000.00} to pay. I have tried many times to have the remove the escrow and allow me to pay it my self since I was never late or missed any before the modification, but it appears they do not care and the only response I got from Ocwen was that " if I can not pay the mortgage then sell the house ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, entered into a consumer credit transaction with Capital One Auto Finance on XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as a sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One Auto Finance took cash. The Finance charge is suppose to include insurance, but Capital One Auto Finance made me purchase insurance separately. Capital One Auto also did not inform me of my right of rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 2016-09-21
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Nation Star by XXXX Mortgage. I was in the process of paying my mortgage off as the sale of my loan took place. The payoff was received by Nation Star on XXXX XXXX. Since then I have been trying to finalize the paperwork with Nation Star. According to Nation Star my name is not correct in their system. My husband 's is. I have been told twice that I need to fax a copy of my Social Security card to them in order for them to correct my name. I have declined to fax my Social Security card to them. I have been advised by a consumer agency not to do that, but I am willing to send my Driver 's License, the copy of the Deed from the Courthouse, bills, etc to prove the spelling of my name. Today, XXXX XXXX, 2016, I asked them to look at the records that they have, including the Security Deed, to see if my name was correct on the paperwork associated with the loan, and use that as verification of the correct spelling. While on the phone with Nation Star representative today, she told me that is was Nation Star 's policy to hold onto a lien as long as possible, that she did not have a copy of the Security deed and that I would have to send a copy of my Social Security card to have my name corrected. XXXX Mortgage had my loan for several years before selling to Nation Star and I never had a problem with my name being spelled incorrectly. I want the deed to be sent to XXXX XXXX courthouse, with my name spelled correctly so I can be done with this institution once and for all. 
I am also concerned with the fact that their recordings and statements that they read off states that they are a " debt collector and that the information collected during the recorded phone call will be used to collect a debt. '' I thought XXXX Mortgage sold my loan to another mortgage company, not a debt collection agency. The sheer amount of complaints about Nation Star Mortgage 's less than ethical behavior concerns me and should be an indicator that there are major issues in their business practices. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been repeatedly billed with auto debits for {$16.00} by Equifax to my checking account. Each time I call and provide all the answers to their questions I am put on a brief " Hold " for a minimum of 30 minutes, then transferred to a recorded survey asking me about my service without ever being connected to anyone to resolve the reason I called in the 1st place. This has haooened over a dozen timnes over the last 6 months. Today, XXXX I called in as I see that EQIFAX is now double billing my checking account for the {$16.00}! Called to their customer service line, spoke to " XXXX " no last name permitted with an employee ID # XXXX who put me on hold after I provided my personal information and she too put me on hold whereby after 30 minutes the line disconnects! To add insult to injury I was involved with their data breach and my EQUIFAX should have been free. i'd like my checking account to be credited the {$16.00} since the breach. Equifax has controlled the customer service numbers to the point the initial representatives have no authority to resolve any inquiry and put all calls on a " Brief Hold " that are never responded to,,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is a fraudulent account with Community Bank # XXXX, i make a request for this account validation and Victoria Secret could not validate this account as mine as FCRA says..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 mailed by certified mail to XXXX, TransUnion, and XXXX ; ( 1 ) appropriate proof of the identity of me as the consumer ; ( 2 ) a copy of my identity theft report ; ( 3 ) the identification of such information by me the consumer, and ( 4 ) a statement by me as the consumer that the information requested to block is not being made in error nor is the information requested by me the consumer is on the basis of a material misrepresentation of fact by me as the consumer relevant to the request to block. The information to block is not information related to any transactions by me as the consumer. 
The certified mail was received on XX/XX/2023 by the three consumer reporting agency.I have not received any notice that the alleged information was blocked within 4 days of the receipt and I have not been able to view my credit reports. 
































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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 2021-06-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've been sending letters to Equifax since XXXX of 2020 asking them to investigate accounts I feel are reporting inaccurately on my account. I have yet to receive a response for a couple of accounts. XXXX is still reporting inaccurately with no update, notation or anything letting me know an investigation was completed. Also, I have an account with no creditor on my report. How can I verify or even know if an account is mine if there is no creditor listed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2023-11-28
Company: EQUIFAX, INC.
State: GA
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:
Since XXXX of this year I took a step to dispute all debts that are inaccurately reporting on my files. For the past several months Equifax has refused to send me documentation of their so called investigation regarding " XXXX XXXX '' which is a collection agency claiming that I owe XXXX XXXX ( who is NOT my provider for several years ) each letter I've submitted I would get back a generic letter claiming that it's been verified. Well if that's so then why haven't Equifax submitted via mail the steps used to proof this debt is valid and mine?! Furthermore, I am a victim of their high profiled data breech that they're fully aware of. It is my belief that this XXXX XXXX is definitely not my debt and I wish to have it removed. I will submit copies of certified receipts showing proof that I corresponded to Equifax and to no avail got any assistant. Please assist me in removing this from my profile as it's hindering my credit growth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX I sent a complaint to XXXX, Equifax, XXXX about fraudulent activity on my credit report and I was never notified about the investigation. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue

Company response to consumer: Closed with non-monetary relief