BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have attempted numerous times to correct an inaccurate item on my credit report. I have a collection from XXXXXXXX XXXX XXXX  that has drastically increased since they bought the debt in XXXX. I have disputed with the Credit Bureaus 6 times since XXXX of XXXX, and half of the time they would not send me results back. The other times they would state I need to send in a proof it is me disputing ( which I had sent in already ), or validating that the item was accurate. I have sent in statements from the original creditor that the information is clearly inaccurate and violates the FDCPA and the FCRA and have cited the specific statutes in my disputes and have not received any result. 
I was contacted by XXXXXXXX XXXX  in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and Federal laws.

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 2023-02-09
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
The evidence is irrefutable and it is unclear to me whether the assaulter is threatening Defamation and or Profit Loss towards both Cashapp and or myself. Cashapp needs to remedy this issue. All I know is that whether I went through on any of those days prior to the merchant cancelling the order technically is Cashapps fault as the merchant should have never had anything to cancel because despite whether Cashapp knows whether or not I knew I was making a deceiving purchase from a well know merchant in its field or not they deny kinds of transactions where if you dont have the funds available they go ahead and decline a purchase and it reads AND I QUOTE NOT ENOUGH CASH which will never read Cancelled if it was never enough funds to proceed Cashapp not only has deceived The Department of Consumer Protection of XXXX XXXX , but now have deceived this Governmental body as well. I do not think the formation of agreeing to whats in the Jotform of the first proper department alerted of this should take this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-03-07
Company: Kikoff Inc.
State: IL
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:
The date it was reported as late XXXX XXXX, XXXX was incorrect and unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It has been an arduous process getting NationStar to respond to my request in resolving account information. Today, I received via email a letter NationStar sent to the property address of the tenant ( XXXX XXXX XXXX ) and it was opened by the tenant/property manager. NationStar promised to send this same letter to my address on file, yet it was sent to the property address ( XXXX XXXX XXXX ). The letter is addressed to me at my correct address ( XXXX ) but arrived at the tenants home. NationStar has once again brought my tenant into a situation that is between XXXX parties. In the past, a representative from NationStar knocked on the door of the tenant months ago and asked questions along with providing a business card to her. My tenant should not be involved and NationStar is not upholding its end of the agreement by not providing information requesting. Instead, they are relegating me to a modification for 40 years at 9.875 %. This is definitely unlawful for {$280.00} Principal Balance that was not applied when paid in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I sold our property XX/XX/XXXX. We have been waiting since that time to receive a corrected Discharge of the Mortgage that references a Modification Agreement and a XXXX Mortgage recorded XX/XX/XXXX. The original mortgage, obtained XX/XX/XXXX, was Discharged XX/XX/XXXX, post closing, but it did not include the reference to the Modification liens. The closing attorney will not release a portion of our proceeds until the XXXX modification liens were referenced in a Discharge. Subsequently, the lender, Nationstar Mortgage Company, LLC, sent a revised Discharge with a reference only to the Modification Agreement but not the Subordinate Mortgage. The lender keeps dragging its feet and has one excuse after another as to why they ca n't or wo n't reference the XXXX Mortgage. At first they said the payoff XX/XX/XXXX released both liens because they both had the same loan number, MIN number and FHA case number. Now they say they do n't have the authority to reference a Discharge for the XXXX Mortgage even though they prepared the documents. The latest tactic is to blame the Registry because they require a release of both liens and they do n't think it is required. My attorney has been working diligently with them but has lost all patience. She suggested I file this Complaint and see if it would do any good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy. 

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The issue is that I have been a victim of identity theft. My information was utilized without my consent and authorization to open several fraudulent accounts, and one of them was with XXXX XXXX XXXX. When I discovered that a lawsuit had been filed against my name and a judgment had been placed against my name, I was worried. So I obtained the court documents, contacted the plaintiffs and their attorneys, Nelson and Kennard, and informed them that they had the incorrect person because I never had a XXXX XXXX XXXXXXXX account. I asked them to check the records properly because I have not been their customer, and the account they are attempting to collect on is fraudulent. Any account subjected to fraud and identity theft can not be collected. However, they ignored my request and told me if I was an identity theft victim, then I should have filed a police report instead of calling them. Before I contacted them, I had already filed a police report with the XXXX XXXX Police Department. I have the XXXX number and will provide it in the end. However, my story doesnt end here. I contacted Nelson and Kennard, and respectfully, I requested them to send me the record of the application that was filed with the account during the opening stages of the account. However, Nelson & Kennard and XXXX XXXX XXXX did not comply with my request ; they sent me a couple of statements with the account number on them and the wrong information. I say the wrong information because the statements I sent contained incorrect information. The address on every statement was incorrect and was addressed elsewhere. That raised a red flag and made me look further at the lawsuit documents to ensure what kind of address Nelson & Kennard had when filing this suit. I discovered that Nelson & Kennard also had inaccurate address information, which was why I was never served with a lawsuit. 
Nonetheless, I have attempted to find an agreeable resolution with XXXX XXXX XXXXXXXX and Nelson & Kennard. I acted in good faith throughout the entire time when contacting them. I even offered them a reasonable settlement so we could remove this fraudulent account and the derogatory lawsuit could be dismissed as soon as possible. However, they continuously act in bad faith and do not consider attempting to resolve the issue. 
The police report number is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was served at my workplace by the XXXX  who holds my debt. When I called the XXXX they didn't answer. When they called back they didn't identify themselves as the debt collector. The lady who called me said that they were a lawfirm and in the process of trying to sue me. She asked if they could look at my file so she could help me further. She did not tell me they were pulling anything from my medical records to use against me. But that's what she did. They did not tell me that they were asking to pull my file due to HIPPA Laws. They reached out to my employer and threatened to put a lien on his Property if he didn't submit information about payroll. He sent the information and they called him and yelled at him and threatened him again because they thought he didn't send the information even though he did. They told him and I that they would be Garnishing {$25.00} out of each paycheck but this paycheck they took out {$800.00}. They have been aggressive, deceptive and threatening. I told them multiple times I would like to work out a payment plan. They have tacked on almost {$400.00} in fees on top of the debt. I feel like they have operated outside the boundaries of ethical treatment and have crossed the line with my place of employment,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I believe that Mr. Cooper is in violation of the Truth in Lending Act. I originally received a mortgage from XXXX XXXX XXXX Bank on XX/XX/2015. My mortgage was first sold to XXXX  then to Mr. Cooper. I have requested from Mr. Cooper for a full account, disclosure and Validation of Debt of my mortgage with them. I contacted them through writing. In turn, Mr. Cooper mailed me copy of my mortgage, and a few printing pages of payments made, escrow and insurance and documents when they took over the loan but not a full account or disclosure per my request. 
I hired an expert XXXX XXXX XXXX, a Mortgage XXXX XXXX. From his report, there appears to be fraud because they are unable to provide the unendorsed Fixed Rate Note and the unassigned Mortgage. I uploaded some of the documents that I received for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding a XXXX XXXX revolving account, which was previously removed and has now reappeared without my consent or knowledge. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit. 

Furthermore, as per 15 USC 1681b ( 1 ), credit bureaus are required to obtain written permission from consumers before reporting their information. I have not provided such permission for the XXXX XXXX XXXX XXXX ( Revolving ) account to be reported, and yet you have included it in my credit report, which is a clear violation of this law. 

I also want to highlight that I have the right to privacy, which has been completely disregarded by your organization. According to 15 USC 1681, I have the right to have accurate and private information reported about me, and this right has been violated due to your inaccurate reporting. 

In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with the XXXX XXXX XXXX XXXX ( Revolving ) account and remove the freeze alert. I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, 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 2023-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2016-02-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar mortgage has been lying and cheating to us for years. They told us not to pay our mortgage so that they would modify it and be able to lower our payments. XXXX I need help! We have XXXX kids. I am married for over 15 years to the love of my life, but I can not walk many days and our mortgage keeps rising. They have several class action lawsuits against them. We are deserperate to modify or refinance. But after they ruined our credit they have been reporting negatively for over 16 months and we have been on time for 14. They even put that we accepted a special program so it shows up in the negative column even though we are on time. They add inspection fees and other miscellaneous fees that they say we need to pay for and have had people outside our home. We have been on time for over a year but our mortgage keeps rising and I am so sick. While this was happening I was in hospice. I fight everyday to live to watch my kids grow older. We have XXXX amazing kids but I am in so much pain from my body. I am just so sick. XXXX and Nationstar has been dragging their feet. They refuse to fix my credit and they harass my phones and my Husbands and also mail us credit consolidation paperwork. What can I Do? They ruined us. We can not be homeless but need to be able to raise our children. They need to modify our loan and remove pmi like they promised. I have gotten over 10 letters stating that removing pmi would be fromXXXX -XXXX. They have no idea what is going on. My Husband tried and I have my friend typing all of this because my arms barely work to type all of this. This is crazy and terrible for my health. The stress on top of everything else is killing me. PLEase someone help us. We went to XXXX XXXX XXXX XXXX. We have always been told there are many Class actions so we need to join one. PLEASE WE JUST NEED THEM TO CARE enough before I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Information belongs to someone else

Complaint:
This is my SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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