BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-06
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I acquired a XXXX Loan in XXXX for my primary residence that XXXX modified in XXXX because it was a poor loan product, ( Neg-Am ). Myloan servicer transferred to Nationstar in XXXX XXXX and the terms of my loanmodification are not sustainable because of annual interest rate increases. Ihave been actively engaged with Nationstar since XXXX XXXX and eachapplication for a loan modification receives a different response with the samesubmitted documentation. My HUD counselor recommended a loan programcalled a FHA Short Refinance for homes with negative equity. I have called, emailed, and certifiy mailed Nationstar for XXXX-years about the FHA ShortRefinance program and Nationstar will not put in writing whether or not myNationstar supports this program. My lender is XXXX XXXX Bank, which theysupport the FHA Short Refinance Program. In my last letter received fromNationstar they assigned me my XXXX ( XXXX ) " Dedicated Loan Specialist '' which when you call their phone number, he states on his voice mail that hisname and phone number were inserted into XXXX of customers lettersby mistake and he can not help you, he proceeds to give you the XXXX customerservice phone number. 
Compliant:1 XXXX Nationstar fails to respond to my questions concerning FHA Short RefinanceProgram. 
2 XXXX Nationstar 's Dedicated Loan Specialists '' are not real ; only on paper theyexist ; I have not received a call back from a single Nationstar Specialist. 
3 ) Nationstar asks for the same documents multiple times stating they were notreceived. This has gone on for XXXX+ years when applying for loan modification. 
4 ) Nationstar uses the veil of waiting XXXX days to respond to every writtenrequest I 've submitted. This technique only allows XXXX back and forthcorrespondences in XXXX days ; thus, your documents expire and new documentsmust be resubmitted starting the process all over again. ( I have saved everyletter from Nationstar ) 5 XXXX My customer service representative responded to my last request withoutreading a single page of my package of material I mailed in. His response wasopposite to documents that HUD sent to me to give to Nationstar about FHAShort Refinance Program requirements. Nationstar stated that I did not qualifybecause I had a Conventional Loan and not a FHA Loan. The FHA ShortRefinance Program states you MUST have a Conventional Loan to beeligible and not a FHA loan. 
Thank you for taking my complaint about Nationstar performance as athe Servicer of my home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: MECHANICS BANK
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person )..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a car with BMW of XXXX, VA, back in XX/XX/2022. It is now XX/XX/XXXX and I still have not received a tag or registration for the vehicle. I have contacted the dealer several times to attempt to resolve the issue to no avail. The vehicle is no parked as it has an expired temporary tag and it would be illegal to drive. To me, the contract and loan terms have not been met because I paid for tax, tag, and titling fees. I'm beginning to worry that there may be some title issue preventing registration. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2021-06-23
Company: Dynamic Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Twice when I applied for a refinance on my home I was contacted by a debt collector about some emergency balance supposedly from 8 years ago in a city I do not live anymore and it went to credit bureaus delaying my mortgage process. When I asked for for detail of charges I was provided a name like XXXX XXXX XXXX XXXX, I checked on line it does not exist. There was a lot of back and forth. I disputed and finally it got off my credit report. 
Couple months ago I had to apply for a mortgage as I was moving due to job change, another debt collector reached out with the same thing, same story they did not know where the debt was originated, they got it from previous collector. It went to my credit report I disputed it got off After couple more months third time same thing this time from dynamic recovery solutions as soon as I bought my new house. This time I did not bother with disputing etc.. just settled and paid some money I supposedly owed to a doctor I have not seen, in a city I was not 9 years ago. I hope that is the end of the story but I also hope you can do something about it so no one has to go through same thing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a protected consumer. i know my rights. i certify that this request to block was made not in error, my request to block information was not based on a material misrepresentation, and i did not knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that i am seeking to block. under XXXX u.s. code XXXX you must block all fraudulent accounts. since i attached my form of id, and social security card, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company is reporting negative activity on my credit report that was cause by identity theft. Original company ( XXXX ) not doing a proper investigation. Experian and XXXX not doing a proper investigation on the information being sent to them

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please note, I'm not using any third party for this matter and this is my first complaint to CFPB because I'm a victim of identity theft and my personal information went to wrong hands or some organization who have tried to obtain a credit or financing goods on my behalf, as a result I got hard inquiries on my report that I have never authorized : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.

Please remove these items from my report as a fraud items.

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 2023-10-10
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reviewed my credit report and found that the inquiry on XXXX XXXX was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me XXXX XXXX. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an Affidavit of Truth with my Exhibits on XXXX. They never repsonded to my Affidavit with an Affidavit which now puts them in Default. On XXXX I sent them a 2nd Affidavit with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.

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 2023-06-23
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
Midland credit management Disputed XX/XX/2023 XXXX XXXX said it's verified. By their own information they are a buyer o the debt. So therefore I don't owe Midland. The original creditor is XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan was transferred XX/XX/XXXX .I did not receive any written notice from the new mortgage serviced XX/XX/XXXX. After several calls in XXXX and early XXXX, I finally got an agent to give me my new account number. On XX/XX/XXXX, I witnessed a gentlemen opening my mailbox.I immediately asked him why was in my mailbox .The gentlemen refused to identify himself and stated " the bank '' sent him to see if the home was vacant and the property was in foreclosure. I informed him my home was not in foreclosure and to please leave my property, he refused to leave sitting in his car and I called the police to ask him to leave.The following day, I contacted the new servicer and spoke to XXXX agents, all of which stated they did not send this gentlemen to my home ( who refused to give his name or company he was representing ). On XX/XX/XXXX, I arrived home and there was a XXXX XXXX in my driveway with XXXX gentlemen, sitting inside.I parked in front of my home and called the police.The gentlemen when question by the police said they were from the mortagage company, again not identifying themselves.The following day, I called the servicer back and was told again, my loan was not in default or foreclosure.The agent on this call state he would send a letter to the company 's perservtion dept, also informing me I probably would not get a call back. On XX/XX/XXXX, I attempted to speak to someone that could explain to me what the stars of my loan and why were individuals coming to my home. XX/XX/XXXX, I was informed by an agent that a XXXX party inspector was sent to inspect my property XX/XX/XXXX and XX/XX/XXXX and the inspector sent out in XXXX stated my property to be vacant ( despite payments being made, well manicured lawn, and very apparent to be lived in. I finally started receiving monthly statements ( after XXXX request ) and saw additional charges on my statement.Again, after numerous calls for clarfication of these charges and still unanswered questions. XX/XX/XXXX, I mail a letter via usps for answers. I received a response from the servicer a little after 30 days stating my loan was and never be in default or foreclosure with them. XX/XX/XXXX, I found out my electric bill account was " finaled out '', I cleared that situation up. On XX/XX/XXXX my gas was cut off and my account " finaled out '', I was informed by a gas representative that someone from my mortagage company attempted to get the gas in the mortagage company name. On XX/XX/XXXX, I received a letter from my homeowner insurance company stating, my homeowner policy would not be renewed in XX/XX/XXXX because my home has been documented as vacant. Again when I call the servicer to find out what is going on, I 'm being told they did not make any of these calls to the utility companies or my insurance company. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: DISCOVER BANK
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that this accounts is fraudulent I file a FTC identity report I file a police report also I reach out to the creditor got no response with the information here, such as an account opening was made without a permissible purpose. As a result, this information is inaccurate and should be removed & deleted from my credit report asa

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
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. 

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I submitted a mortgage modification request to Nationstar Mortgage in XX/XX/XXXX, due to decrease in income for Husband 's job. Nationstar did not provide a response to our modification request until XX/XX/XXXX, 1 year later! 
A " sham '' modification was offered wherein a {$8000.00} up front payment was required along with a reduced monthly payment for ONLY 2 years. 
My wife and I appealed the " sham '' modification offer to Nationstar 's Appeals Division. Nationstar did not respond until XX/XX/XXXX, rejecting our Appeal. We, then, accepted the Modification Offer and Nationstar rejected the offer and said a {$14000.00} up front payment was required, with only a two-year " sham '' modification. 
They then sent correspondence in XX/XX/XXXX, wherein they said they were " reconsidering '' the modification offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them.

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 2015-08-03
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I had my mortgage through nation star when I recieved damage to my roof from a hail storm. 
I filed a claim with my insurance company and they sent a ck out to be endorsed by them and everything went as planned. Roof was repaired but in that time I sold the property. My insurance company sent me the depreciation ck which also required the endorsement but since the property was sold nationstar refused to sign or send anything to my insurance company stating that I sold the property. I was out of pocket XXXX of dollars waiting to recover my depreciation. This was at the end of XXXX here we are in XXXX. I work XXXX full time jobs but still spent countless hours on the phone over a period of many days trying to come to a solution. I 've asked them to email or fax a release form to my insurance company provided them the information needed such as numbers, email address to no avail. Very disapionted in the customer service they have provided and will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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: Account information incorrect

Complaint:
I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower..

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