BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Nationstar Mortgag e Company recei ved paperwork including a divorce decree and quit claim deed in  XXXX  stating that my name was to be removed from the title and mortgage but they failed to do so  Currently, my ex-wife was 21 days late on a payment (   XXXX   XXXX  ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the  XXXX  payment and carried over a late balance all the way into  XXXX  even though she 'd never been more than 30 days late sending them payment They are now fili ng 30 a nd 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2021-12-17
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Consumer Financial Protection Bureau, Ms. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ph XXXX fax https : XXXX XXXX : Individual Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX XXXX : XX/XX/XXXX. Set-up on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX original amt. {$100.00} Identity theft/unauthorized account opening / Fraud This is in regards to follow-up response and letter from Helvey & Associates, Inc dated XX/XX/XXXX. Contrary to there letter, it is incorrect and lacks merit. The XXXX XXXX XXXX bill with account # XXXX XXXX is NOT my account. In addition, the name on the account is incorrect. My middle name is incorrect and I do not have a billing address or property under XXXX XXXX XXXX Ct. In addition, I have never received any notices, bills, phone calls in regards to this fraudulent account. 

The fraudulent account was NOT set up by me on or about XX/XX/XXXX online nor did I receive any email notifications. Someone had used my email address to set up this account online. Only tenants occupied the home at that time. I never requested service on that date, nor did I occupied the home, it was leased. Furthermore, the name is incorrect on the billing information including the mailing address. In addition, since the billing address was incorrect, I never was informed by Helvey & Associates nor XXXX XXXX XXXX that a bill was due or set-up. Because of these mistakes and fraudulent utility account set-up was established without my knowledge or permission, I have submitted an Identity Theft Report Number XXXX and XXXX Police Report case number XXXX. In addition, letters from the FTC.gov reporting has been sent XXXX XXXX XXXX, Credit Bureaus and to Helvy & Associations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2017-06-28
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Date XXXX XXXX 2017 My jumbo mortgage is now being serviced by Nationstar Mortgage, who bought it from the former service. My mortgage payment is typically debited from our joint checking account on the first of the month. <P/>My husband called Nationstar several times this month to ask whether it would be drawing the XXXX 2017 payment from our account or whether we should send a check, and was told ( variously ) that we " would be getting a welcome package, '' " to wait a few days '' and that Nationstar " could not speak to him about a house in my name. '' He finally asked me to call. <P/>I called today and spoke to " XXXX. '' I wanted to make the XXXX payment, had " no loan number yet '' and that I should n't worry about the XXXX payment because I would not be charged a " service fee for 60 days if I were late. '' I was furious as I am a former loan officer and knew that a late mortgage payment would affect my credit score. I asked for a supervisor and told her I did n't care about avoiding a late fee, I wanted to pay my mortgage. At that point, I was told " that the line was being recorded, '' at which point I told her to give me someone who could resolve the issue because I was going to the CFPB and the Texas Attorney General. I was stunned that she was urging me to stop worrying about paying my mortgage for " 60 days. '' That is when she gave me the loan number. <P/>What is happening here is obvious. Nationstar lies to customers in hopes of collecting fees from the mortgage holder for collections. This company needs to be closed down, as I have never heard so many lies in such a short period of time. They do not deserve the fiduciary responsibility associated with servicing the largest investment most families will make in a life time. <P/>I can not imagine how it would be to call Nationstar with a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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:
To whow This may Concern ; I decided to check my credit and i notice that my scores was down, so i look futher into the the situation and i notice that there are Accounts that i did not Authorize on my credit which i cant understand so this report is to help me reslove this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following items are still shown on my credit report after several written requests, which is against the FCRA. The Bureaus did not sufficiently comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the timeframe required by law. They continued to provide unsubstantiated and unverified facts even after engaging a third party as their verification source to explore the problem. Given my attempts to personally address it with 3 CREDIT BUREAUS, they are being deliberately neglectful and breaking the law, and I need this issue to be remedied as soon as possible. I need the following components removed from 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

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 2017-08-14
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just got a loan modification effective XXXX XXXX, 2017 and by XXXX Nationstar claimed I was in default. Charged unnecessary and excessive legal fees, property inspection fees ; stacked late charges and fees every month and would not accept proper payments ; Kept perpetuating to make me go 90 days delinquent so they could accelerate balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: CURO Intermediate Holdings
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt popped up on my report in XXXX of XXXX, after I starting repairing my credit. I have no knowledge of this debt from XXXX. I requested documentation from XXXX as well as speedy cash, neither could provide any proof. Not even a old phone number that was used. I had no choice but to pay them due to them reporting monthly like it was agreed prior and I was neglecting it every month and it still shows that I missed payments for three months. I contacted them in may and payed the debt off after first contact. It was never agreed to prior. I only paid it because I had no choice. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States was the collection agency and SpeedyCash was the original loan holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started this refinance process on XX/XX/XXXX. After Cardinal Financial let the first rate lock XXXX XXXX 's rate lock ) expire, we were told that there was a problem with the title but we were given no other details until XX/XX/XXXX. On XX/XX/XXXX we were told there was an owelty lien on the title and that they needed documentation that it had been satisfied. That is the only explanation we've ever been given. On XX/XX/XXXX I provided the Recorded General Warranty of Deed and the Satisfaction of the Deed of Trust, both proving that the title was free and clear and the lien had been satisfied in 2015. No one ever acknowledged the reciept of this proof, nor did anyone account for this documentation. 

Then they let XXXX 's rate lock expire. 

On XX/XX/XXXX, after not hearing from anyone for nearly a month, I called my title company, Heritage Title Co, and they informed me that not only has NO ONE TRIED TO CONTACT THEM but they also reviewed the title and FOUND NOTHING WRONG WITH THE TITLE OR THE WAY IT HAS BEEN RECORDED. The signed General Warranty Deed I provided over a month prior has a stamp on it proving that it was recorded properly in 2015. 

This is after receiving an email from XXXX XXXX from XX/XX/XXXX saying that they would follow up with Heritage Title to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported a collection on all XXXX credit reporting services in XX/XX/XXXX from an alleged debt owed from a apartment complex that I moved from in XX/XX/XXXX. I disputed the account and XXXX was the only XXXX to remove. I then sent a debt validation letter to said company on XXXX XXXX and my XXXX day notice to vacate form from said apartment complex and after not receiving any answer, I sent another debt validation letter and the vacate form again on XX/XX/XXXX to which National Credit System refused to answer again. This company has single handedly dropped my credit score XXXX points which has caused a snow ball effect with some of my creditors either dropping my credit limit or closing my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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 2023-05-12
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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