BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRANSWORLD 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:
Portfolio XXXX is making a fraud claim on a bill that I do not owe and never was sent. In XXXX my Light Company was and is still XXXX XXXX. They claimed that XXXX XXXX has sent them a bill from XXXX ( XXXX ) for the amount of {$180.00} dollars. Then when I called Portfolio they came back and said that the bill was from XXXX. All of these years I have not ever been sent a collections letter or a bill from XXXX XXXX. A couple of years ago they tried with XXXX XXXX XXXX and found out that XXXX XXXX XXXX said that they does not even use them as there collections company. I have no past due debts on my credit file. In XXXX my name was not the name used on the letter. You can see that they is attempting to scam and defraud me. Before XXXX I was with XXXX and then XXXX XXXX XXXX. You can see that all of my bills is not in the listed name on the scam and defraud letter from them. If the debt was in XXXX as claimed, why send the letter date XXXX, and why wait 13 years to attempt to collect a debit. TX Law says 7 years in order to attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2015-09-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage LLC continues its " wilfull misconduct '' as it proceeds with the illegal foreclosure of our home ... going at length to commit a breach of privacy with our CFPB files, the XXXX time around ( see CFPB case XXXX in XXXX 2015 for first incidence of breach of privacy. ). 

On XXXX XXXX, 2015, it goes into a CFPB case file XXXX involving XXXX , uploads its files, to make it appear that XXXX had completed the resolution of XXXX XXXX complaint. XXXX - Nationstar 's alleged " current owner of debt '' on the Notice of Default ( the basis of the upcoming Trustee Sale of our home ), who, on XXXX XXXX, 2015 had requested CFPB for an extension of resolution to XXXX XXXX, 2015. An indication that XXXX did not have " ready answers or records '' to support Nationstar 's alleged " current owner of debt '' on its Notice of Default recorded on XXXX XXXX, 2015 ... .lending support to our allegations of FORECLOSURE FRAUD ... that needs to be investigated and stopped by regulatory authorities. 

Of note, this response by " XXXX '' ( but in reality, Nationstar ), was not captured in CFPB 's auto-reply system, hence, XXXX did not receive the email from CFPB - just discovered it within CFPB Portal late afternoon, XXXX XXXX. 

Thank you, CFPB, for enforcing consumer protection laws that are within your jurisdiction to STOP deceitful practices that hurt people. 

Please see attached copy of XXXX dispute of " XXXX '' response (

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: SC
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 request that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: TX
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 witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. Account : DEPT OF EDUCATION/NELNET Account # xxxxxxxxxxx XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX xxxxxxxxxxxx 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently found out that a company by the name of XXXX has reported a balance of {$2600.00} on my credit report. This is not mine ; I have no knowledge of this account and it has resulted in my credit score dropping over XXXX points. This item appears to be an 8 year old account reporting with no credit history. 

They are in violation of the following : In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 1681 ( 5 ) this account is in violation of not reporting 100 % accurate

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 2015-09-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
Both my deceased husband and I have asked every company, like Green Light for information about reverse mortgages. We then later found out that people who were with Green Light were loosing their homes ; frantically scared we immediately changed to XXXX Mortgage. Once in XXXX Mortgage, we were promised from the beginning that if anything happened to my husband I will be granted to stay a year in our home. An agreement that we had was for a free consultation, which failed to happen. My husband has since passed away, and XXXX Mortgage transferred the mortgage to Champion Mortgage. I have called for months on end for the MOE Assignment to be transferred to the HUD, yet no one has returned my phone calls, leaving my house to foreclosure. I was given an extension of two 6 months, totalling for a year. I had continued calling the companies in order for the extension of 6 months to go through, but the companies who are assisting this case are not properly following steps for it to take place. Thus leaving me helpless. I was never sent any papers, and the price of the reverse mortgage is extremely high. I was never told there was going to be a lean in the house as well as that when my husband passes I 'll have to pay {$1000.00} each month. I 'm having to spend extra money for legal assistance, I 'm desperately seeking help on this case in any way/ I feel very discriminating as an individual having to go through such things with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: AZ
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 recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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 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 2023-05-25
Company: Experian Information Solutions Inc.
State: LA
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2015-09-10
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My mortgage is being serviced by NationStar Mortgage and I keep receiving robo collection calls even after notifying them that I am under Bankruptcy protection in a Chapter XXXX case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After a lengthy divorce, I had fallen behind on my mortgage with XXXX XXXX XXXX and was forced to file Chapter XXXX bankruptcy. During the bankruptcy process, XXXX sold my loan to XXXX. I emerged from bankruptcy in XX/XX/XXXX with XXXX agreeing with the court that my mortgage was current. I made my XXXX post petition payment to XXXX in XX/XX/XXXX. XXXX applied the payment to XX/XX/XXXX. I was still in active bankruptcy XX/XX/XXXX. My XX/XX/XXXX payment was misapplied to XX/XX/XXXX. I continued making payments, and never missed a payment, but the payments continued to be applied to an arrearage that did not exist. XXXX continued to assure me the matter was under review, but at one point went so far as to put me into pre-foreclosure. XXXX also never updated my status to show I had emerged from bankruptcy. I made monthly payments to XXXX until XX/XX/XXXX, at which point the sold my loan to Nationstar without having resolved the issue. Nationstar now shows me roughly {$8000.00} behind in payments and wants me to agree to a loan modification, which I have not agreed to do. Nationstar says they continue to investigate, but now they have people taking pictures of my house. I have not missed a single post-petition payment with either XXXX or Nationstar since I emerged from bankruptcy in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : Account # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2020-04-03
Company: PROVIDENT FUNDING ASSOCIATES
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I work for the XXXX  XXXX  in XXXX XXXX, NV. The coronavirus has shut down the XXXX  we work for. I called Provident Funding about the cares act the the President just signed. They offer 6 month forbearance but then the 7 month all 7 payments are due. Then if you can't make that you can see about a modification are some kind of payment plan. I fell this was not how the law was meant to be interpreted. They do not want to work with me. I inquired about a 3 month forbearance where they put it on the end of my loan. I was told they have investors to satisfy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion, and Transunion.com, credit freeze/unfreeze does not work on their web-site requiring a lengthy phone call. This is in violation of FTC credit freeze rules by not making available an online method for placing and removing credit freezes. While they do have an online system, it has not worked for me in over two years. I have made repeated attempts to rectify this situation by calling their call center, and their call center is unable to fix whatever issue is keeping the online system from working. Having a system that doesn't work, is the same as not having a system. The only acceptable reconciliation to this issue if for the online system for freezing and unfreezing credit to work, as it does with the two other agencies or to provide me financial compensation for the additional time required to freeze/unfreeze my credit during work hours at my hourly billable rate of $ 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 2023-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
OnXX/XX/XXXX I was pre-approved for a conventional 15 year mortgage with Wells Fargo. The property was a condo with a land lease with an expiration date of 17 years. Before I applied, i asked my loan advisor to make sure that they offered a loan that would fit that. He said yes, I could get a 15 year loan with 2 years buffer between the loan payoff and the land lease expiration. I was very up front in my questions since other lenders do not offer loans for properties with land leases. I went through the process, opened escrow, ordered my property inspection, as per the direction of my loan advisor. One of the conditions of my loan was to have the money for my down payment in my account. This came in the form of a withdrawal from my 401k. Again, as a condition of my loan they had to have all of the documents for review as well. Everything was going fine with a closing date of XXXX. I wired my closing funds to escrow on XXXX removing all of my conditions. On XXXX I was informed that the XXXX XXXX had issues with the land lease, and it had been escalated to legal. Then my loan advisor said that they wouldn't approve a 15 year loan as they wanted more time between the loan payoff and the land lease expiration. They said that they would go as long as an 11 year loan, which I could not afford. I feel like this was a bait and switch situation as I had not had any talk about this before this time ( when I should have already signed loan docs ). This is an unfair and deceptive lending practice, as they made me, as a condition of the loan take my distribution and prove it, creating tax implications that could have been avoided if they would have told me upfront that they were not able to offer that loan due to the land lease. Then they waited until I had wired my closing funds to escrow, again at the direction of my lending advisor. Due to them not doing their due diligence on the land lease, I did not get the property, took a distribution that I was not able to put back, and had to pay over {$25000.00} in taxes over these years due to the distribution. I made a complaint in XXXX with Wells saying that they did nothing wrong. It took me 3 tries to get them to respond, then they sent the letter to the property that I did not get. I made another complaint this year because I have has to pay an exorbitant amount of taxes due to this, I was able to split it over 3 years due to covid rules. Again, they claim that they have no culpability.

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 2023-05-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Through borrowers defense to repayment my balance was reduced to {$57000.00}. XXXX hadn't updated my credit score since XX/XX/XXXX. On XX/XX/XXXX XXXX updated my credit report dating back to XX/XX/XXXX saying I owe $ XXXX over 40 accounts due XX/XX/XXXX. This dropped my credit score by 31 points and has resulted in adverse actions being taken by other creditors

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