BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to apply for credit at XXXX XXXX XX/XX/2016. I usually get a text message letting me know that I applied for credit. However the inquiry went to my husband 's text message, and credit. I do n't understand how my information when I put in my social security number is going to my husband 's credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it. I want them to fix them immediately. This is affecting me and my husband 's credit report. When I put my SSN in for credit it should not be reporting to my husband 's credit report. XXXX also changed my husband 's name to my name on his credit report. This is illegal, we never gave them authorization to change my husband 's name to my name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. There are inquiries on my report and my husband 's report that does n't belong there because of this. They are reporting my inquiries on his report and his on mines.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i am preparing to meet with a real estate person to consider purchasing a trailer. While updating my credit report with transunion i received a notification or an offer to purchase my score which isnt included with the report. i was given to understand that this stuff is free. Can transunion or the others legally charge you for this?

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 2016-09-16
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Nationstar did a mortgage modification with me 4yrs ago. Now I am trying to remortgage with another bank and they said there is a remortgage on my credit report. I did n't remortgage I did a loan modification. My issue is I have been asking Nationstar since XXXX XXXX, XXXX for a copy of this modification and they have yet to give me a copy of it for the new bank. I have been given numerous excuses as to the reason why they ca n't give it to us. They stated that whom ever did the original modification did n't scan it into the system and that 's why no one could find it. And now it 's going to take 60 days for them to try and locate it. In the meantime I now lose the loan I was trying to get along with the {$500.00} I had to lay out of my pocket for it. 
I told them I find it simply amazing how they can find the " mortgage loan '' that we original did with them in XXXX but yet they could n't find the documents of the " modification '' we did with them ( as they stated " on paper only '' ) only 4 yrs ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Credit reporting companies XXXX, XXXX and XXXX are reporting credit limits that existed before a HAMP loan modification in XX/XX/XXXX. The loan taken out in XX/XX/XXXX with Aurora was for {$600000.00} and was a negative amortization loan. As a result of the recession, I could only pay the minimum payment. By XX/XX/XXXX, the loan balance had climbed to {$700000.00}, and I qualified for the HAMP. Nationstar took over as the loan servicer in XX/XX/XXXX. My balance now shows {$640000.00} with a credit limit of {$600000.00} and a Debt/Credit ratio of XXXX %. I have not missed a payment in 4 years and believe that the Credit Limit should show as {$680000.00} not {$600000.00} since the $ XXXX was the balance at the time of the loan modification. This ratio is very negatively affecting my Fico score by inflating the total Debt to Credit ratio which would be XXXX % and not XXXX %. The mortgage D/C ratio would be XXXX % vs XXXX %. This is an undue burden on anyone diligently paying off HAMP or HARP loans and does not reflect excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because transunion has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't recognize nor have I authorized the following inquiries : XXXXXXXX XXXX XXXX XXXX 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 2023-08-21
Company: Spring Oaks Capital, LLC
State: GA
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:
I reached out to spring oaks capital LLC back on XX/XX/XXXX through the CFPB and I also sent them a letter to theyre XXXX XXXX XXXX XXXX , VA XXXX address and emailed them to customer service@springoakscapital.com email because they have a collection item on my report that I have no knowledge of. An investigation was opened and they responded back on XX/XX/XXXX. I received a call on XX/XX/XXXX about my issue and stated that I wanted some kind of proof this was my debt such as a contract, with my name and signature or my picture ID or anything to prove it was in fact me. I was told to call the original debtor to get that info and that they have a bill with my name on it. I told them to send it to me and they said they cant and an investigation would then take place. I called back on XX/XX/XXXX and asked if anything happened with the investigation and I was told an investigation was never opened. I was then told they were going to open 1 that day on XX/XX/XXXX. I called back XX/XX/XXXX to see if any progress had been made and was told the investigation was still pending. I called back XX/XX/XXXX which was well over 30 days and still the investigation was pending. I asked for a manager and I spoke to a woman who refused to give me her name and hung up the phone on me after I explained to her that her 30 day investigation period was up and I need this item removed as it was hurting my score. I asked repeatedly for proof it was me and my debt and I have yet to this day XX/XX/XXXX received anything and spring oaks is still on my credit report reporting negatively. I called XX/XX/XXXX and asked again to have this removed and was told no and I got the phone hung up on me again. Each time I called Ive been spoke to rudely and have been treated unfairly and Im only trying to have an issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2021, I found out my father took out a loan in my name. I began receiving notifications through my credit reporting agency that my score had been affected because of this. I reached out to the original creditor ( XXXX XXXX for XXXX XXXX ), and the collection agency they referred the debt to, Portfolio Recovery. I explained this was not my debt. My father had even admitted to the debt being his, had called Portfolio Recovery directly, and signed sworn statements verifying this debt. The account was not mine, has never been mine, I do not even own a vehicle in order to take out a loan like this. Both agencies refuse to remove my name from the account. Additionally, Portfolio Recovery has been calling me nonstop even after they have been told to only correspond with me via email or snail mail. I have made this request to them in writing several times, yet they continue to call me everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was in a Chapter XXXX Bankruptcy, in XXXX of 2016, I agreed to an consent order to repay arrears owed to Nationstar. 
That ( 1 ) to cure the arrearage, Debtor ( s ) will remit {$2000.00} Instanter, no later than XXXX XXXX, 2016 ( 2 ) the remaining balance of {$700.00} will be cured over nine ( 9 ) months in the amount of {$78.00} per month, due on the XXXX day of each month beginning with the payment due for XXXX XXXX, 2016. 
My bankruptcy was discharged as of XXXX/XXXX/16. I received correspondence as as of XXXX XXXX, 2016 that no payments were applied to my account an now they want to proceed with foreclosure proceedings as of XXXX. I have copies of all payments that were cashed by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
when I recently checked my credit report I seen that there was a closed capital one account on my report opened XX/XX/ I was not made aware of it this is my first time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both capital one and the credit bureaus but they have not made the actions to get the account removed off of my credit report Its been past 30 days I have put the report in with identify theft as well and now I am here reporting this I would like for this to e off my report it is damaging me to be able to do things with my life with how it impacted my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Village Capital & Investment LLC
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: Account status incorrect

Complaint:
I received alert notices from all the credit bureaus on XX/XX/XXXX stating that my account has been falsely reported 120 DAYS Past Due AGAIN. My account has been incorrectly reported as late since XX/XX/XXXX. This incorrect reporting has happened at least 10 times since XX/XX/XXXX causing my credit score to plummet with each occurrence 100 points or more. This false reporting must stop and the correct payments history reported to the Credit Bureaus. I am not now, nor have I ever been late on my mortgage and the following information will assist you in resolving this matter. 

Please see attachment below. 

Village Capital & Investment LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Account Number Borrower Relationship Agent Borrower Relationship Department P : ( XXXX ) XXXX XXXX : XXXX villagecapital.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  : {$2700.00} ; XXXX XXXX XXXX XXXX  : {$2600.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitting this formal complaint regarding the flagrant presence of fraudulent information on my Credit Reports. It is crucial to note that I previously corresponded with the Credit Reporting Agencies on XX/XX/2023, providing comprehensive attachments containing my personal information. I must emphasize that I am a victim of identity theft, a matter duly reported to the FTC. The disputed items bear no relation to any transactions I have authorized or derived any benefit from as a result of the identity theft. I draw your attention to Section 605b of the Fair Credit Reporting Act ( FCRA ), which explicitly places the responsibility on Credit Reporting Agencies to eliminate any accounts and information indicated in an ID Theft Report. Furthermore, Section 605B ( a ) of the FCRA mandates that the CREDIT REPORTING AGENCIES promptly block any information within the consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt. XXXX  XXXX XXXX XXXX  : {$6900.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX  : {$0.00}. The items listed are direct ramifications of the identity theft, and as such, I demand that the Credit Bureaus fulfill their legal obligation by expunging them from my Credit File.

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 2021-06-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I file a police and FTC report for identity theft and this account is not mine. I don't know anything about this.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
ALL ACCOUNTS NEED TO BE REMOVED BECAUSE I AM A VICTIM OF IDENTITY THEFT FROM YEARS AGO. XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
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: Account status incorrect

Complaint:
This Company is reporting late payments on my account. 
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an 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 2021-07-09
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Depot - The Loan officer pressured me to provide PII ( Personally Identifiable Information ) and asked me for money through XXXX. She ran my credit XX/XX/2021 ( hard inquiry ) after I gave her the appropriate information about my cash-out refinance. 3 business days later XX/XX/2021 I had to call her and she acted like she didn't know me at first but found my information. She said since " I didn't respond '' the loan was denied and she had to get it re-instanted. Anyways she ghosted me and all I demanded was a Loan Estimate as she should provide. No she has refused providing me the Loan Estimate while demanding PII and money from me. This is PREDATORY LENDING. 

XXXX XXXX Licensed Lending Officer - Loan Depot NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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 XXXX XXXX submitting this CFPB Complaint addressed to the Credit Reporting Agencies to request to the Credit Bureaus to remove the disputed Accounts and Information from my Credit File. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous CFPB complaint I submitted on XX/XX/XXXX and I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, I need you to please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$15000.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX  XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX  XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This CFPB Complaint is to notify the Credit Reporting Agencies that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.

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 2021-07-08
Company: Pinebrook Holdings, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Shreveport cash on XXXX XXXX called my reference or my friend/co-worker aunt who was not listed as my reference, because they had the wrong number for my friend on XX/XX/XXXX they called a XXXX XXXX the AUNT of my coworker and a friend of the women who help assist with the loan the loan agency Shreveport cash then told the 3rd party person or my co-worker aunt again not a official reference I put down that I was defaulting on a loan.. the agent of Shreveport cash gossiped and said things that were personal and or embarrassing I dont know my friends aunt like that and my personal business was told to that 3rd party person without my consent

Company response to consumer: Closed with non-monetary relief