BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi, I certainly hope you can help as my home is in foreclosure with an auction date this Monday, XXXX XXXX. I 've been requesting a loan modification due to financial hardship for almost two years now from Nationstar Mortgage. I have been in my home since 2003. Today my attorney filed a strong suit against Nationstar LLC and XXXX XXXX XXXX XXXX. in the XXXX XXXX XXXX California , XXXX of XXXX XXXX, at the XXXX XXXX courthouse. I have now had my current attorney and a modification broker/agent I hired prior to him communicate with Nationstar non-stop during this time, and to no avail. Numerous and complete modification files have been submitted and none opened. All communications with Nationstar between my former agent with them, and my attorney with them, have been documented by us. Nationstar continues to ignore requests for pertinent and urgent information, claims time and again that they have n't received certain docs when they have, provides false information which depends on who you speak with there, and has sincerely provided no legitimate service or assistance in my trying to pay a modified mortgage which I 'm quite able and have been ready to do, and get my financials and credit back on track. I could go on but as the sale date is imminent, I 'm seeking any assistance they or you can help provide in stopping that action immediately, and just short of their causing additional serious damages to be accounted for in court at a jury trial and in class-action. I want no more financial stress and emotional hardship, and certainly would never be able to own and operate a licensed business in the State of California as they operate theirs. Nationstar has ignored the California Homeowner 's Bill of Rights in this case. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i am not delinquent on anything at nationstar. nationstar added this document to my account and it feels like they are XXXX with me again now in a different fashion. i do n't know what to make of this document. i pay my full mortgage payment each month and i have no clue how i can be delinquent on anything in my account from nationstar. it seems like every time i think my account is settled and going good nationstar gets sneaky and extorts more and more money out of me. nationstar is full of scammers! what does this document mean????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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 XXXX Account XXXX XXXX, XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT 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 1666B : 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
My account was supposed to be investigated but it was never validated and I was was never notified of how it was verified or the process of how it was verified!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section XXXX XXXX XXXX states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. Bank of America XXXX XXXX XXXX Bank of America 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 explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 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 2020-02-12
Company: Nelnet, Inc.
State: CT
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: Problem with personal statement of dispute

Complaint:
This complaint in regards to the dispute I filed against " XXXX XXXX '' which is now known as Great Lakes. These are student loans that were taking out years XX/XX/XXXXXX/XX/XXXX. 

1. Each trade-line is missing the " account opened '' date or an inaccurate one 2. They claim I made payments at specific time frames but the federal student loan date website shows no payments were made during those time frames. 

3. I have consolidated all my student loans through XXXX   and have made on time payments for three years straight and only have a remaining balance of {$350.00} 4. I wrote to XXXX, XXXX, and XXXX to have the 5 delinquent accounts deleted as they first defaulted in XX/XX/XXXX. It has been 11 years and should no longer show on my credit report. Also, the accounts has been paid in full through consolidation. They came back with the accounts as valid. 

5. I have written and spent hours on the phone with Great Lakes the following student loan providers listed on the National Student Loan Data : XXXX XXXX XXXX, XXXX, and XXXX  XXXX XXXX. None of the companies above have records of my account with them. They have all referred me to XXXX  who says I have made every payment on time and they do not know where those 5 derogatory marks originate from. 

I have no idea how the credit bureaus were able to " validate '' these loans no one had information to my account except for XXXX  who I have an exceptional payment history with. Although these loans are from XX/XX/XXXX, and first date of default in XX/XX/XXXX - they are for whatever reason showing up as much more recent and keeping me from specific credit cards, loans, and credit limit increases. I am trying to diversify my credit and what seems to be an obvious mistake is keeping me from this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX 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 2022-09-26
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC 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, NC XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX : {$30.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-19
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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.

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 2023-07-05
Company: EQUIFAX, INC.
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a fraudulent account. I do not have an account with XXXX  XXXX. They have no authority to collect on this account. This matter has been taken care of with the original creditor. There is no contract open or account assigned to XXXX XXXX. This account is reporting fraudulently and needs to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Prince Parker & Associates
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'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was scammed through XXXX Someone hacked my account and took my whole social security check On XX/XX/2022 someone added a unauthorized person to my XXXX Account and withdrew XXXX my whole Social Security check through my Bank Of America App. 
Bank of America Denied my claim!!!!!!!!! 
They are saying the transaction came from my phone and that I authorized this transfer which I didnt at all. 
Im a XXXX yr old senior citizen and been with BOA over 25 yrs and These people will not cover this claim!!!!!!!! This is Unbelievable and Disgusting as a institution they dont cover XXXX yet they Own it!!!! I am now facing Hardship with my rent as Im unable to pay my Monthly Bills

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 monetary relief
Consumer complaint received 2023-07-05
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage did not pay our property tax bill. I paid it and contacted them about them not paying it and requested a refund. I have not heard from them again and have no other recourse. They sold the mortgage to XXXX XXXX and neither mortgage company will assist me. Please see the attachment for the " Notice of tax sale '' due to non-payment and the credit card receipt of the payment that I made.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: DC
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 reached out to XXXX XXXX, Account # XXXX {$4000.00} at ( XXXX ) XXXX To verify the account and spoke to the representative XXXX ID XXXX and was told by her they don't have this account under my name and nothing showing in the system. 
This account is closet with amount that preventing me from my right of purchasing my home for my family its creating a problem for me I don't understand if they don't have this account under my name why they reported to the credit bureau it giving me bad credit and it against the laws. I need this account to be deleted all the credit report bureaus.

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 2022-09-26
Company: Resolve Partners, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
RESOLVE Partners is continuing to furnish inaccurate information on my consumer report. A second Adverse Action Notice was delivered on XX/XX/2022, in regards of the credit application with XXXX XXXX On this second Adverse Action Notice it states that I have multiple collection accounts as well as other delinquent accounts that is not accurate. I've sent notices to RESOLVE Partners about this inaccuracy reporting, and the issues has still not been resolved. RESOLVE Partners is also still furnishing inaccurate information about me containing that I have a XXXX XXXX on my consumer profile as well, all of which is 100 % 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
Consumer complaint received 2023-01-07
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Set up payment plan for outstanding balance and continued to receive calls from Comenity bank multiple times a day dating back to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Also suspect calling from unknown caller several times a day.

Company response to consumer: Closed with non-monetary relief