BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2015-11-20
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our house and closing was on XX/XX/XXXX. Funds were wired directly to Nationstar Mortgage on that day so they had the funds in their account. As you know XXXX loan can not be funded until the other loan has been satisfied. Due to the XXXX holiday Nationstar did not credit my account with the payoff until XX/XX/XXXX. They are now reporting me to credit bureaus as being not one time late but 2 reporting XX/XX/XXXX and XX/XX/XXXX as late. This has impacted my ability to refinance my mortgage and the rates offered. We have repeatedly requested that they address this situation but they refuse to remove the incorrect reporting to the credit bureaus sending form letters every time we ask them to review the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Westlake Services, LLC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, my mother sent me a photo of a letter mailed to my old residence from Westlake Portfolio Management. After reading the letter, which I've provided as evidence, I contacted the phone number listed to ask for verification of the debt and to dispute it as I signed a Release of Settlement in XXXX of XXXX, and had the car returned in XX/XX/XXXX back to American Car Center, whom filed bankruptcy on XX/XX/XXXX. I was released from my agreement after I had to file a complaint with the Tennessee General Attorney for failure to provide a written contract from American Car Center after several attempts. Due to not having a copy of my contract upon exiting the dealer, and having to move for my husband 's work, I was unable to provide proper communication for the car to be returned to TN, and due to the fact that MA does not allow American Car Center to license any leased cars in that state, I returned the car, signed the release of settlement and never heard from the car center again, until XX/XX/XXXX when they sent my account to Westlake Financial. I've called several times, left several voicemails and sent XXXX emails with proof of my dispute of the debt, with no status update or resolution. I've had aggressively defensive reps question whether I'm legally allowed to ask for the original creditor to verify the debt, to some helpful reps who've provided emails and contact info, but as of XX/XX/XXXX I have neither received an answer, update or resolution. I also had a rep falsely list my account as cease and desist on XX/XX/XXXX, when I asked for not such action, and as a result the Westlake claims they can not provide written proof/documentation to me from the original creditor. Considering I had difficulties in receiving my contract from American Car Center, and the resistance from Westlake Financial Services Portfolio management, I felt I needed to submit a complaint for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery XXXX is attempting to collect a XXXX  invoice that I was never given, nor aware of. It is not my debt. The letter has Account # XXXX for the amount of {$6100.00} for XXXX. 
I was never given an invoice, nor aware of this debt. 
I have medical insurance and assistance.

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 2015-11-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I modified my loan this year. I made 3 timely trial payments. My first modification payment was due XX/XX/XXXX. I made the XX/XX/XXXX payment. When I called to make the XX/XX/XXXX payment, I was told the I still owed XX/XX/XXXX. I later found out that my XX/XX/XXXX payment was credited to a XX/XX/XXXX payment because I sent the payment in " too early '' according to Nation Star Mortgage. I disputed the situation by submitting 3 review requests to their Research Department, and I stayed in constant communication with Nation Star throughout the entire process. I was told that no decision had been made and to resubmit my request twice ( totaling XXXX ). I specifically asked about additional fees and foreclosure and was told that no fees would be added and that foreclosure had not been started. I told them that I had the money to pay, but wanted to resolve the issue. They would not take partial payment as they wanted me to repay the XX/XX/XXXX payment. I called yesterday to pay the entire amount, because I am tired of fighting with them and was advised that foreclosure proceedings had been initiated and approximately {$6000.00} in fees were added to the account since our last conversation 7 days ago. 

I feel that they have not worked to assist me and have taken advantage of the fact that I am not as knowledgeable as them. I have attempted to pay on various occasions and they have refused to take my money only to add additional fees to the account. What are my options? Please help! I am a single, widowed mother of XXXX and am dealing with serious issues with my son at the moment. I can not continue to go back and forth with Nationstar with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: IN
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, # XXXX XXXX, # XXXX XXXX OF XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXXXXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, # XXXX XXXX, # XXXX XXXXXXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX h

as 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-11-19
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have called nationstar mortgage several times spent several hours on the phone meet all the requirements to have them remove my PMI they wo n't mail me the proper documents they wo n't respond to my emails I have sent them ever thing they ask for but that XXXX document that they wo n't send me l paid over 28 % of my loan and my house has appraised for XXXX original loan was for XXXX I owe XXXX I need help since they keep making excuses

Company response to consumer: Closed
Consumer complaint received 2015-11-18
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I knew this month we were going to be late in our payment to Nationstar Mortgage. I went into their site as an active account and called the support lines they provided. Each different phone number posted directed me to to answer a brief survey which they promoted products XXXX. If I chose not to accept my free vacation I landed back at that question. I could not email them and I could not get to them. They have been harrassing me for months to redo my loan at XXXX % interest rate instead of current XXXX % like other banks. I have refused as their methods are an insult to anyone of intelligence. finally, today, after my wife getting her SSI payment I tried to go online to make my payment. The door is locked I am now in collections. This company is out of control. I did just for grins send an email via " support '' asking them if I could pay the house payment with a credit card-no answer other than I can call XXXX the XXXX numbers demonstrated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My identity was stolen me and my family will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft KIA MOTOR FINANCE {$21000.00}

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2022-11-06
Company: EQUIFAX, INC.
State: NC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 mortgage account under an open end consumer credit plan as late for any reason

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 2015-11-17
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage statement from the last two months has reflected about a 50 % increase to my pmi. I sent in several requests to get an answer from my mortgage servicer, without a sufficient answer. My mortgage was modified in XXXX of 2014, and the balance owed was decreased was from about {$310000.00} ( original loan amount ) to abouty {$210000.00}. We currently owe about XXXX. Our PMI has been {$210.00} from when we originally opened it until my XXXX statement. That statement reflected the increase to {$310.00}. I called Nationstar 's customer service and they told me that it was increased due to the modification and my outstanding balance increasing. This is obviously not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Nationstar Loan # # XXXXXXXXXXXXProperty : XXXX XXXX XXXX XXXX . 
XXXX NC XXXXRE : The Short Sale Lender has Address incorrect in their system and will not correctWe have requested a correction to address and sent in supporting Nationstar documentation that reflects the correct address. Nationstar Deed of Trust, XXXX County Legal Tax Record and Nationstar Mortgage Statement. It is imperative to the XXXX Attorney & XXXX XXXX to have the correct address reflected for consistancy for the borrowers protection and future liability. We need you help enforcing these title corrections. All of the Nationstar correspondence has the correct address. No manager no escalations will help us. Once we convey the property, no insurance, no title nor coverages will be valid with this incorrect Nationstar data entry. CUSTOMER SERVICE WILL NOT PROCESS THIS XXXXXXXXXXXX - XXXX XXXX XXXX. 
XXXX XXXX ( 13 days ago ) Your " REPLY '' will be sent to XXXXXXXXXXXXHello, The address has to be corrected via customer service. I can not change the address. Customer service will require proof of the incorrect information and verification of what needs to be corrected. The original loan documents were accepted with the error. 
The number to customer service is XXXX XXXX XXXX. XXXX Foreclosure Prevention Specialist XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, 2015 I contacted my mortgage company Nationstar to see if I had time to complete a Modificatin package on my home. I was advised yes I had to send in before XXXX XXXX, 2015. My home was in XXXX and I was XXXX at the time I traveled the next day back to the hose and contacts XXXX Neighborehood housing forclosure department to assist me with the paperwork. I complete a package with ther facility and the papers were faxed XXXX XXXX XXXX via XXXX, on XXXX XXXX, 2015 per. Call to Mortgage company rep confirmed my paperwork was. In and possibly on doc missing she XXXX and this was sent via fax on XXXX XXXX, 2015. The XXXX and my self have sent monthly bank statment and weekly check stubs from my employer. On XXXX XXXX, 2015 my representative at Nationstar advised XXXX at XXXX the sale went forth on XXXX XXXX, 2015 after we were advised The sale of the property had been postponed. Each week I call leave a voice mail with my point of contact who has not returned XXXX voice mail from me. XXXX XXXX my representative on my account spoke to XXXX at XXXX and advised the sale of the house went forth on XXXX XXXX, 2015 and advised my paperwork had been submitted late. All this time we have called and each week advised it under " review ''. I have not had documents mailed to me on this status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XXXX/XXXX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. After reviewing my credit report, I have noticed that these accounts have violated several laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts are listed on my credit report with inaccurate information and/or have violated consumer protection laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Please note that the following violations have occurred : FCRA violation : The information reported on the credit report is inaccurate and does not reflect the true status of the account. 
FDCPA violation : The debt collection agencies did not follow the proper debt collection procedures and harassed me. 
FACTACT violation : The information provided is not accurate, complete, or up-to-date. 
TILA violation : The lenders did not provide me with proper disclosures and/or charged me fees that were not properly disclosed. 
RESPA violation : The lenders did not provide me with proper disclosures about mortgage loans. 
ECOA violation : The lenders have discriminated against me based on my race, gender, and/or national origin. 
FCBA violation : The creditors did not properly handle billing errors and disputes. 
I demand that these accounts be immediately removed from my credit report and that any negative remarks or late payments be corrected. I also demand that any debt collection agencies that have violated the FDCPA be reported to the proper authorities. 

I am emotionally distressed by the impact these inaccuracies have had on my credit score and financial well-being. It is unfair that these violations have occurred and I expect prompt action to be taken to resolve these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-05-04
Company: Experian Information Solutions Inc.
State: AL
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 submitted disputes to you and I didn't get a response within 30 days and y'all are required by law to do so. Please investigate my disputes. Please. Thank you.

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