BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-15
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX Nationstar Mr Cooper Not really sure who they are anymore except Frauds. I'm a victim of there fake modification scheme to take your money and your house.. 
I have tried over and over to renegotiate the loan re write the promissary note.. 
The house is under water. 
The house burned down in XX/XX/2013 and was never fixed correctly, no heat no air conditioner no nothing in over 5 years. 
But all I get is misunderstood and mistreated and let me tell you how It is very hard to be disadvantaged, a single mom of disadvantaged children and continually unheard ... 
The loss mitigation Dept can not figure out who there all stole my money?? 
They are involved in securities fraud, there note is fraudulent because they do not have one.. 
They are trying to hurry and get rid of there fraudulent loans and push to get my property sold, all to cover up there own misfortune. In the mean time they wil not provide the note, they will not renegotiate the loan amount or terms after I have tried for over 7 years. 
Where is the assignment Who has the right to forclose on my property? Where was this recorded? 
Mr Cooper can't even get my attorneys new updated address right in over 3 years? How could this even be possible?

I want to know on. who's behalf are they selling my property?

Not mine I want a quite title action brought against Mr. Cooper because they have not got one thing right in my case.

They are involved in fraudulent activity I do expect punitive damages just like they expect there XXXX in interest in the last five years me and my kids lived with no heat no air conditioning, nothing working. I'm asking for an injunction from them selling my property..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This report is to highlight my view of Experian and their interaction with people whose information they collect. 

Background : My personal birthdate information was displayed incorrectly on my information on the Experian web site. They have a dispute link to report incorrect information. I used this link and reported the issue, and provided an approved government issued document to provide the correct information. 

Problem : Experian sent me an email ( XXXX ) dated XXXX XX/XX/2019, XXXX XXXX. This email stated Hi ( my name ), your dispute results are ready, your disport report number ( number withheld for this complaint ) results are ready for review. And then they have a link to click to view results. I opened the link to review results, and the results had not been corrected. 

Problem Two : After some amount of difficulty, I was able to speak to a live dispute representative, and explained the entire scenario to them, including the dispute report number, the fact that I had received an email informing me that the result of the dispute are ready for me to review, and that the dispute had not in fact been corrected. 

The representative explained to me that the results would not be updated for approximately 30 days due to the type of Experian membership I have. I asked her, why Experian sent me an email stating the dispute results are ready for my review if the report has not been updated for my review. 

Basically at that point, the dispute representative hung up the phone without further explanation. 



My general view of this interaction : Experian does not value nor respect the people whose data they collect. I believe to Experian, my information is nothing more than a data point that they use and sell to other financial institutions. I do not have the ability to take my business to another credit bureau, there are no commercial consequences to Experian for their misbehaver in their treatment of the data points they collect. 

Experian lost control of my personal data some years ago, and since then, I have experienced several attempted identity fraud events which I have reported to local law enforcement. Experians solution to this was a one year free credit monitoring service, but I can for a fee of {$19.00} per month contract with Experian to provide additional identify coverage to resolve a problem that they created. It reminds me of the protection racket run by criminals, they would damage or rob your store and then later they would approach the business owner and offer protection from future damage or robberies from occurring for a monthly fee.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPARTMENT OF COMM F XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00}

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 2022-12-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX I applied for a loan from Wells Fargo. line of credit. They denied me. My consumer rights where violated. 15 USC 1692k, 15 USC 1691, 15 USC 1642. 15 USC 1681m and 12 cfr 1002 because I the consumer made a application in good faith but credit was not issued. furthermore because my ssn was used and I received no benefit this proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Wells Fargo. also by accepting my application they have created a fiduciary obligation for the trust, by not extending credit 18 USC 3333 XXXX XXXX XXXX XXXX, also by denying my application they violated the consumer bill of rights : Access to basic basic essential goods ands services. they are also in violation of! 2 usc code 1431. civil rights violations as well 42 USC 1983, 1985,1986,1988.

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 2023-05-28
Company: EQUIFAX, INC.
State: IA
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 XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX/DEPT OF ED , has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: ALLY FINANCIAL INC.
State: MS
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:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. Thank you!

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 2018-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint involves XXXX XXXX and XXXX XXXX. I tried settling this debt many times and finally could not access my account at all. XXXX no longers uses XXXX XXXX and they keep trying to collect from small consumers instead of suing XXXX. I paid and paid on this debt and it never seemed to go away. I am being harassed by a 3rd party debt collection agency with repeated calls daily trying to collect on a debt I do not believe I owe. The bank is ruining my life and credit score and I am in the process of trying to sell a house. I have a bank account with XXXX XXXX with money in my account from Social Security that I can not even access because the bank repeatedly closes my account because I have suspicious foreign transactions occuring. This happens every month around the first week of the month. I have told XXXX XXXX that I made the transactions and yet this happens every month. To add to the problem I am XXXX Veteran married to a foreign national who has every right to stay in this country despite the fact she is not a citizen because she holds a green with a 7 or 10 year status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, a closing was to take place for the sale of a residence I own. The sale has been postponed due to the following. On XX/XX/XXXX, my closing Attorney contacted my Mortgage Bank, Mr. Cooper, and was advised that I owe {$85000.00} on a Balloon Mortgage. A Mr. Cooper employee e-mailed the Balloon note to us. This loan originated on XX/XX/XXXX, when I closed on the loan of a Conventional Fixed Mortgage for {$85000.00} with XXXX XXXX A comparison of the Balloon Note, and my closing documents I kept from the closing, clearly show that the signatures on my closing documents and the Balloon Note are in no way similar, and both documents are dated XX/XX/XXXX. To date, I have never received copies of closing documents from XXXX XXXX. At closing they refused to supply same. When the notary left the room, I made copies of same which are attached. In closing, I have never signed a Balloon Note. The loan originated with XXXX XXXX, was transferred to XXXX XXXX XXXX, and serviced by Nationstar / Mr. Cooper. My documents regarding the Mortgage is, The New Loan Payment Form list the loan type as a Conventional Mortgage, not a balloon. The form also list the term as 180 months with a payment of Principal & Interest. The Mortgage Loan Commitment list the loan as a Fixed Rate with boxed marked, the Balloon box is not marked.

The Lock-in Agreement list the loan as fixed ( no Balloon ) with 180 months with Principal & Interest. The Itemized of Amount Financed, NJ Application Disclosure, Occupancy Certification, and Mortgage, are all signed and clearly do not resemble the signature on the Forged Balloon Note. On XX/XX/XXXX, I contacted XXXX XXXX XXXX  regarding obtaining my Mortgage Loan Documents related to the Forged Balloon Note. On XX/XX/XXXX, I received forged copies of an Itemization of Amount Financed, Truth in Lending, and Notice of Right to Cancel. An examination of the Itemization of Amount Financed from XXXX XXXX XXXX, is a completely different document from my Itemization of Amount Financed I signed at closing listed above. The signatures and contents of the document are completely different. All contacts with Mr. Cooper are attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: NV
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:
There are creditors listed 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 2023-08-22
Company: Experian Information Solutions 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:
This is one of my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete.

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 2021-10-01
Company: ACIMA CREDIT, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is [ XXXX XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN HAS IGNORED ALL SUPPORTING XXXX XXXX DOCUMENTS I SENT WITH DISPUTE XX/XX/XXXX PROVING THEY ARE VIOLATING MY RIGHTS UNDER FCRA LAWS-EXPERIAN STATED ON XX/XX/XXXX XXXX XXXX IS THE SOURCE OF VERIFICATION AND THAT THE PUBLIC RECORD BK-XXXX WAS ACCURATE ON MY CREDIT FILE, I SENT THE DISPUTE XX/XX/XXXX TO EXPERIAN AND XXXX XXXX DOCUMENT STATING THEY DELETED BK-XXXX  FROM MY FILE XX/XX/XXXX IT IS ATTACHED IN THIS COMPLAINT TO CFPB ALONG WITH THE INDIANA ATTORNEY GENERAL COMPLAINT RESULTS DOCUMENT FROM XX/XX/XXXX SHOWING XXXX FOLLOWED THE FCRA LAWS AND REMOVED BK-XXXX  FROM MY FILE AND ALSO ATTACHED IN THIS COMPLAINT IS XXXX DOC SHOWING THEY DELETED THIS ITEM ALSO, EXPERIAN IGNORED SUPPORTING DOCS AND CONTINUES TO VIOLATE MY RIGHTS.

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 2020-02-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The accounts reporting on my credit report is inaccurate and don't 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 explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
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 was trying to buy a new car and a new home I realized I have damages on my credit report. According to 15USC 1681 law there should not be any damages on my consumer report thats a defamation to my character. 

Account for XXXX XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account XXXX XXXX XXXX Account for XXXX  Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: IN
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 dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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: Reporting company used your report improperly

Complaint:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: NJ
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation