BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning. As per prior messages to your team, XXXX XXXX is in contempt of automatic orders for failing to continue making mortgage payments, transferring marital and mortgage funds from his XXXX  account to a partner in XXXX, and using the mortgage funds to pay his attorney ( XXXX XXXX ), after commencement of index XXXX, in XXXX  court . Both have committed perjury in court by making misstatements about XXXX XXXX financial condition on the XXXX, and for refusing to respond to a divorce settlement offer and a buy out offer of the home ( XXXX XXXX XXXX, XXXX, MA ), since 2017 in court. Index number is XXXX, in XXXX  court . 
We received the attached letter with unexpected fees and a threat to foreclose on the home in XXXX, by Nationstar. I am requesting legal representation. 
We have paid another {$5000.00} to Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX And he is not able to help to stop the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Aspen National Financial, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have written Aspen National Collection a proof of validation letter on several occasions. XX/XX/2023, XXXX, 2023, and XX/XX/2023, in which they have failed to respond to any of my letters. Aspen National Collection has also ignored my request to cease all telephone communication and to only contact me via mail, as they continue to call and harass me on a regular basis. Nonetheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors must provide validation of the debt if the consumer disputes it within 30 days of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my account ; the balance being reported is incorrect, this account does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan modification on  XX/XX/XXXX   ( See letter attached ).  I completed the requested trial successfully  ( S  ee letter  dated  XX/XX/XXXX  ). I was issued final loan modification documents some time in    XXXX   XXXX   . I signed and returned those documents to Bank of America within the time allowed  ( Pa rtial copy attached as I have lost the rest of the agreement ). I then made my first regular modified payment on   XXXX   and never missed a payment until Bank of America stopped accepting my payments some time around   XXXX   XXXX  . I hired an attorney during this process to help me with the paperwork. That law firm,   XXXX    XXXX   XXXX  , told me everything was done and my loan modification was completed in   XXXX   XXXX  . Around   XXXX   XXXX   Bank of America stopped accepting my payments without notice. I returned to my attorney 's office,   XXXX   XXXX   XXXX  , and asked them to find out why my loan was having a problem. The attorney called the bank and said it was fixed and I again could make payments. I made  two more payme nts and then Bank of America stopped accepting my payments again. I returned to   XXXX   XXXX   XXXX   and I was told by the attorney that it was my fault and that I did n't fill out the paperwork correctly. The only way he would help me is if I paid him again. I had no choice and I have been paying   XXXX    XXXX   XXXX   {$500.00} per month to fix my loan. I now received a N otice of Sale  with a sale date for  XX/XX/XXXX . I called   XXXX   XXXX   XXXX   to inquire as to why I would have a sale date if they were working on my loan and the only thing I was told was that I still owed them {$500.00} for the month of   XXXX   XXXX   and if I did n't pay it they would sue me and that they would not help me unless I paid the {$500.00} immediately. Otherwise my house would foreclose. I never made any errors I was made aware of by Bank of America in returning my loan modification agreement. I never missed any payments until Bank of America stopped accepting my payments. I have never received anything from Bank of America explaining why they stopped accepting payments from me or advising me that my loan modification was either cancelled, not honored or whatever. I 've been completely in the dark and to this day I do not know why my loan modification was not honored.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is refusing to follow the FCRA and block identity theft. 

I notified Experian on XX/XX/XXXX of extended identity theft found on my credit report sent them the affidavit from the FTC. 

Experian contacted me by email today notifying me they are denying my request to block because " Furnishers verified the debt '' a furnisher can NOT verify a debt I never consented to, these furnishers don't have my id, XXXX in particular ( XXXX  XXXX ) was told in XXXX? to NEVER allow an account in my name by XXXX, yet they did anyway. 

Experian has refused to remove a debt from my report from the Social security administration that is wholly inaccurate, The administrative judge ruled in my favor in XXXX XXXX ( they wont even let me redispute it. 

Experian only allows XXXX dispute ever per account, they are the only one who does this and the FCRA does not allow a reporting agency to limit disputes. 

I have found the following bad names on my credit report XXXX XXXX XXXX XXXX XXXX they refuse to remove them. 


XXXX ( XXXX XXXX ) XXXX XXXX ( Never heard of this company until they started calling me for a payment ) Moneylion ( Closed my money lion account in XXXX? but there is a loan taken out in XXXX? ) kikoff lending ( never heard of this company just found it on my credit report ) first premier bank ALL need to be immediately blocked. 

the Identity theft affidavit is attached along with Experian canned email. 

every single time my credit gets even a little decent, it gets destroyed. in the last 4 years I have had XXXX, XXXX, XXXX, XXXX etc have breaches where my information has been stolen, and Experian NEVER places the security freeze, if they do they remove it after about 20 days and this is getting absolutely ridiculous. 


this is my last step before i initiate suit on violation of the FCRA.

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 2022-10-26
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:
Im 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 CA, XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX CA, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8300.00} ; XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I WISH TO EXERCISE MY RIGHT TO LOAN CANCELLATION WHEN FRAUD IS FOUND 1 ) XXXX XXXX and XXXX XXXX issued a fraudulent, Federally backed, FHA loan. All of the loan statements, loan estimates and HUD statements were misleading. LENDER REQUIRED expenses were omitted to create the illusion of a lower house payment. NONE of the paperwork submitted to the Federal Government is legal, valid, or enforceable as a collectable loan note ( See Exhibit A ). This was not an accidental omission. LENDER REQUIRED ITEMS WERE LEFT OFF THE HUD. They are on their pre-closing checklist. No excuses. 

We have proven criminal intent by XXXX XXXX, XXXX XXXX, XXXX XXXX and Nationstar. How do we know? They never tried to correct the error as required by law and, instead, they used wire fraud to state they were correcting the problem while secretly attempting to foreclose on a widow. ( See Exhibit C ) 2 ) XXXXXXXX and XXXX XXXX never disputed the fact that these errors occurred ( See Exhibit B ). I believe these companies would have followed the law and refunded their portion if allowed to. They had no control over the loan according to conversations. 

XXXXXXXX XXXX and Nationstar also admit the loan fraud occurred, in writing, on their own letterhead ( See Exhibit C ). They admit that none of the paperwork submitted to the Federal Government is legal, valid, enforceable or collectable. Their excuses and claims that any of this was ever legal in laughable. 

In addition, they admit a {$900.00} a month loan went to {$1400.00} after the first year before settling in at an amount higher than my previous loan payment. I was ripped off. Period.

3 ) Nationstar DBA Mr Cooper admitted to another fraudulent act on this loan in XXXX in the Contreras V Nationstar Mortgage LLC case. ( SEE EXHIBIT D ) 4 ) Nationstar DBA Mr Cooper committed loan fraud again in XXXX. They are failing to properly credit early payments and their escrow department engaged in escrow fraud. In a bizarre attempt at accounting I received a refund check from the escrow account for having too much money while simultaneously receiving a payment increase from the same office. 

Accounting requires one or the other. An overpayment check means the payment should have gone lower. It went higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ever since my mortgage transferred over fro m America 's Home Servicing Company to Wells Fargo Home mortgage several   months ago, I have been unable to log into my mortgage account. I have contacted customer service about a half dozen times and no one can help me and does not know why my mortgage account can not be accessed. I just tonight spent about 2 hours on the phone and was transferred among 6 different numbers and spoke to about 8 people, all of who either had to transfer me, due to lack of knowledge or access, or just could not figure it out. I have not had access to my online mortgage account now going on 3 months and I need to get in to review statements, tax docs, rates and other terms of my mortgage account. The last interaction I had with Wells Fargo tonight was that someone was going to put in a trouble ticket and get back to me in 10 business days. Completely unacceptable

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 2019-02-11
Company: Santander Consumer USA Holdings Inc.
State: NM
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:
Santander is reporting a debt on my credit file that is not mine! Also, it is past the statute of limitation in New Mexico.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was with  XXXX  they started legal action against us and we were making or mortgage payments. This started in  XXXX . I entered into an agreement with  XXXX   XXXX   XXXX . I was worried about going into foreclosure so I made an agreement of a {$3500.00} down payment and pa id 3X  {$1400.00} for each month for 3 months. We never received the final documents that were promised to us by  XXXX .   Still very worried I was referred to Attorney  XXXX   XXXX   XXXX , he charged me a professional fee of {$5000.00}. when I first went to his office. I had to give him {$2500.00}.   {$750.00}  XXXX   XXXX ,  XXXX , {$750.00}  XXXX   XXXX ,  XXXX , {$500.00}  XXXX   XXXX ,  XXXX , {$500.00}  XXXX   XXXX ,  XXXX  this was for basic services plus {$500.00}  XXXX / XXXX / XXXX  to his secretary.     I later found that he had not submitted any documents to  XXXX  on my behalf.   Then I was transferred to  SLS Loan  servicing and it has been one problem after the other. And now a foreclosure sale for  XXXX   XXXX ,  XXXX . SLS does not want to help me in any way.

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 2020-03-14
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call and then a letter dated XX/XX/2020 from AmSher Collection Services XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX in regard to a 'unpaid balance ' to XXXX XXXX. I have never had an account with XXXX XXXX and to the best of my knowledge they have never been in this area, and I have lived here 36 years. 
I received another phone call from them today and explained exactly what I said above. I have notified all three credit agencies XXXX, XXXX, and XXXX XXXX. 
Amsher Account # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Texas XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2017-05-05
Company: LEXISNEXIS
State: TX
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: Public record information inaccurate

Complaint:
I have previously disputed a judgement that is reflecting on my consumer report in reference to an eviction/judgement that has since been removed from all credit bureaus. This debt was settled with   XXXX   XXXX   XXXX   XXXX   XXXX  . These apartments have changed names and management a total of 3 times and no one has record of me ever living there let alone any records of any judgements being placed against me. I spoke with the court and they stated that I would need the apartment complex to file a release of judgement which is impossible at this point being that the apartments no longer exist. The new management company did however provide me with a letter stating that they do n't have any records prior to    2012  as they have been shredded due to the age of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Someone called me from ( XXXX ) XXXX stating I had a old credit card bill ( Capital one ) that I owed over {$16000.00}. and they wanted to come an appraise my XXXX XXXX vehicle. 

I do not owe any money to Capital one. Card ending in : XXXX case # XXXX another number they left XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. 
As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.

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 2022-12-23
Company: Experian Information Solutions 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:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name : I 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 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 explanation