BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-01
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager was changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The entire process was horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the deletion of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts DELETED XXXX : XXXX XXXX XXXX Date opened XXXX XXXX, 2007 Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, 2007 Balance $ XXXX Late Dates 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 2023-02-19
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX/ XXXX is a fraud ACCOUNT that I had no knowledge of. I never opened an account with this creditor and it's illegally reporting on Equifax and XXXX. Can you please remove this fraud account. I have asked multiple times to provide a contract with my signature which the credit bureaus mentioned have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NV
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 submitted a letter to the 3 Credit Bureau on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAIN, and I'm including it again XXXX XXXX BANK XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX {$0.00} ; XXXX BANK XXXX Balance {$2700.00} ; XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$37000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was in a locked down XXXX XXXX  from XX/XX/XXXX to XX/XX/2022. I have proof of this and IT WAS SENT to Direct Express. Between those dates my card was completely drained of all money. I have proven beyond any doubt that I could not have made any purchases nor did I give anyone permission to do so. They still haven't refunded my money. I have been left XXXX due to this issue. I am considering seeking an attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. Here are the listed details of the account with discrepancies : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage is trying to get me to buy more flood insuranse than is required by my mortgage contract. They have sent XXXX this XXXX letter which states " Your flood insurance poliicy coverage limits must be at least equal to the lowet of the following : 100 % of the replacement cost of the property, as determined by your homeowners insurance provider, or the maximum limit of coverage made available from the XXXX XXXX XXXX XXXX, which is currently {$250000.00}. '' Where as my mortgage contract states on page XXXX '' 1. The Borrower ( s ) must provide satisfactory evidence of hazard insurance coverage and flood insurance coverage if the Property is located in a special flood hazard area. 
2. Dwelling coverage must be equal to rhe lesser of the loan amount or the full replacement value of the property improvements, ... '' I have provided Nationstar with a fax from my insurance company stating thaty I have {$110000.00} worth of flood insurance and only owe approximately {$100000.00} on the loan. 
This is a ploy by Nationstar to buy me flood insurance at an outrageous rate. This is the same sham that XXXX XXXX XXXX pulled a couple of years back which resulted in a class action law suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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: Was not notified of investigation status or results

Complaint:
I have file disputes and have not received anything regrading them. I feel the 30 days is more then enough time to reply to my request.

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 2023-12-17
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  was my old cellphone provider, paid the installments and the cellphone bill in full before switching over to XXXX. I have a pending charge for a bill I never continued, the customer service was very poor I didnt have a chance to explain my situation and was told it would be put down as a dispute without ever having a word in.

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 2022-10-20
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the company that was reporting {$120.00} debt on my credit report which is XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX they reported on XX/XX/2022. They said they no longer have my file and law office of Cobb does. At ( XXXX ) XXXX I talked to 2 ladies both hung up on me after stating I dont owe a debt and never have. The last lady name is XXXX. Cant remember the first one. They do have my file. Getting hung up on and not getting any help, I then contact the actual company they are stating I owe. I spoke with XXXX XXXX from XXXX she filed a dispute with them ( Case number XXXX ) Because I Owe XXXX balance! So I put XXXX XXXX from XXXX on 3 way with Cobb again on XX/XX/2022. XXXX confirmed I do not owe the company and there is a mistake. Cobb then took no responsibility in fixing anything and told us both to contact XXXX. I told her why when they dont have my file anymore and said contact you and your previous rep said you do have my debt file! She hung up on the 3 way call ( the day Im suppose to close on a property ) Now as XX/XX/2022 I called XXXX again and they said the same thing they cant do anything and to call Cobb! I did call them again saying I have a dispute number from the company youre representing as debt owed and I dont have a debt please fix this ; please get this removed from my credit report! My credit score was in the XXXX it dropped XXXX points and I found out on the day I was closing on a home! This has caused me so much pain and anguish and I never had the debt to begin with. Law offices of Cobb are extremely rude, and incompetent and should not be allowed to handle debt cases. This ruins peoples livelihood and lives. I do not have debts so this is really hindering my life. Traumatized is the least I can describe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXXXXXX XXXX # XXXX ) Has violated my rights 2- ( XXXX XXXX  XXXX XXXXACCOUNT # XXXX ) Has violated my rights 3- ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 6- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXX/Account # XXXX ) Has violated my rights 8- ( XXXX, XXXX./Account # XXXX ) Has violated my rights 9- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I bought my condo in 2007 at the height of the market. At the time, the builder was offering a special through their preferred lender XXXX Loans. I believe that I was a victim of fraudulent and deceptive practices because at the time I was advised to take out a first and second loan ( XXXX with a 10 % down down payment ). XXXX was onsite at the builder and they disclosed the terms of the first mortgage which were very attractive at the time XXXX 5.5 % XXXX but I was told that their " printer was broken '' and they did not disclose the terms of the second loan, which were very unfair ( 9 % interest with a XXXX balloon ) and well above market stadards at the time. I belive that XXXX was predatory and intentionally withheld the information about the second mortgage. 

Since then, my XXXX loan was acquired by XXXX XXXX XXXX and then Nationstar. I have called many times and spent countless hours trying to resolve this loan. They blame XXXX and do not accept my assertion that by acquiring my loan they also acquired responsibility for XXXX 's fraudulent, unfair, and deceptive tactics. They refuse to help me unless I stop making payments and/or until the 15-year balloon is up and I ca n't pay off the loan. 

I have also tried to refinance the second loan, but the condo is still ( after almost 10 years XXXX too underwater. I have struggled and managed to maintain the loan, but with a 9 % interest rate I can not pay down the loan fast enough to make a dent in the principle and will be in major trouble when the balance is due at the 15-year mark. I do not anticipate having enough equity given the slow recovery of these condos which were all built in 2007 and have mostly been acquired at a much lower price than I through through foreclosures and short sales. Also, the builder and HOA are in litigation that inhibits sales and have been for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I mailed out a Debt Validation Letter to Hospital Collection Services. They did not respond with the appropriate debt proof that was requested. I have never received anything in the mail. They are stating they mailed out 2 validation letters in XXXX. I have never gotten a phone call about this debt trying that they say they have tried to collect. 

Per the Fair Debt Collection Practices Act, you have to respond to my validation of debt request within 30 days. Since you didn't, you have to remove my debt from collections as you failed to provide proof. Per my letter that I mailed out by certified mail, it states : 'If you have good reason to believe that I am responsible for this debt, mail me the documents showing my responsibility, including but limited to : Assigned contract proving this debt belongs to me, A last statement or bill providing how much I owe, Proof of the last action taken on the account, And proof that you are licensed in Nevada XXXX '' None of this was provided. You need to remove my collections from all 3 credit bureaus as you have violated the FairDebt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports, per the CFPB. Why are these still showing on my credit report in 2023? All three credit bureaus are still reporting old, small medical collection accounts and this is hurting my ability to gain employment.

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 2021-06-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Last year we tried to have out house payments deferred due to us being impacted by Covid Virus. I called to have the payments deferred due to my husband hours being cut down to 25-30 hours a week, we have 6 people living in our home. Loosing that many hours, we could barely make our payments. I was told I would have to prove that we were impacted by the virus, but no one ever explained how to prove it. So, I struggled to make our house payment. They were usually late ; I have the late payments to prove that. Finally in XXXX of XXXX I made my last late payment along with my XXXX payment and got caught up and have been caught up ever since. 
In XXXX of XXXX with the rates being low, I started looking into refinancing our home. I was told we would have to wait till the XXXX payment fell off. So, I waited. I made my XXXX payment in XXXX a few days after making my XXXX payment. I called to check to make sure everything was good and was told they would not show my XXXX payment being paid till XXXX. For good measures I went ahead an paid my XXXX payment in XXXX Neither one of these payments are showing up on my credit report EVEN though they have been paid!!! This is not fair, nor is it right that these payments are not showing up on our reports as being paid! 
If you look at our credit report, Mr. Cooper shows XX/XX/XXXX as a 60 day late instead of a 30 day late. They are not reporting correctly to the bureaus. 
NOW my refinance is being held hostage because they will not update their files!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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:
Aidvantage is violating my right to privacy under 34 CFR Part 99 Family Educational Rights and Privacy. Aidvantage has no right and have not been given disclosure to release my personal information to anyone. They need to cease reporting on my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My wallet was stolen. I have a police report inquiries was made on my credit without my permission. I am submitting a copy of the police report and screenshots of the inquiry on my Trans Union.

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: 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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-07-13
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

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 2023-06-27
Company: Oklahoma Student Loan Authority
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My family paid off my student loans, which totaled right around XXXX between my grandfather and my mother. This was a significantly small amount of the total around {$3500.00} if memory serves. A few months go by and all the sudden Im getting collection calls from this company about the same loan that is paid off. At this point I was much younger and had no clue what to do, the loan they are calling about was originated the same day this other one was paid off supposedly. Although I had never taken out another loan. I have tried for years to get them to do anything other than put me on hold for extremely long stretches of time, to no avail. Im stuck this loan was paid in full years ago!

Company response to consumer: Closed with explanation