BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar is the servicer of my second mortgage. After my first mortgage was successfully modified by the XXXX XXXX XXXX, I contacted Nationstar to inquire about a 2MP under HAMP. Nationstar informed me that my investor, XXXX ( XXXX ) does not participate in home loan modifications regardless of the federal HAMP guidelines. So I contacted XXXX. XXXX provided me a telephone number to a voicemail system that states " the decision to modify a mortgage loan ins the sole discretion of the servicer, here Nationstar. So I contacted Nationstar again, to make them aware of the XXXX voicemail. Nationstar 's representative asked me to conduct a conference call with himself, myself and XXXX voicemail system so that he could hear it himself. Once he heard the voicemail, Nationstar 's representative told me that Nationstar will conduct an internal investigation into this matter. Nationstar sent me a letter following their investigation stating that the XXXX voicemail was inaccurate and that the decision to modify was the sole discretion of the investor, here XXXX and not theirs. This information confused me. Nationstar is being evasive and not forthcoming with the real reason behind their arbitrary decision not to consider my home loan for modification pursuant to HAMP. I applied for a modification back in XXXX 2015. At one point, Nationstar rejected my payments and credited them back to my bank account. When I contacted Nationstar, they told me that they were rejecting my payments because I was over {$1200.00} behind and that I needed to catch up. Fearing that Nationstar had begun foreclosing, I sold some items and borrowed money to pay them because I 'd like to keep my home. When Nationstar called my home to collect on the late payments, I informed them that I had filed a complaint with the Consumer Financial Protection Bureau. The Nationstar representative then informed me that he will escalate the matter as a " proactive measure since I had filed a complaint. '' He said they will look into the matter. Nationstar still has n't offered to review my application or modify my loan under the HAMP 2MP. Nationstar continues to blame XXXX and XXXX continues to blame Nationstar.

Company response to consumer: Closed
Consumer complaint received 2021-06-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am currently XXXX XXXX military. I enrolled into XXXX university paying for my tuition using my XXXX XXXX. XXXX. It was never stated that due to me being XXXX XXXX my XXXX XXXX would not cover the entire balance of my tuition. Once I was XXXX and disenrolled in the university I received late statements stating I owed the University tuition fees. After going back-and-forth with the Finance office I was told and have a statement saying that once Payment was made that the negative report will be removed from my credit and the account will be in a satisfactory condition. After I made the final payment the negative credit mark was left on my report. I have dispute it the count on numerous occasions and the creditor has not honour the obligation made with the University.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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've sent multiple letters and called to dispute incorrect accounts and information on my credit report. Every response comes back as the account has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB XXXX RE : Citi Bank NA, Credit Card ending in XXXX We have a dispute we withdrew and closed on XX/XX/2023, and the Merchant issued a refund for {$3600.00} that posted on XX/XX/2023 CITI we requested our refund to be transferred to our checking account. The Citi Staff has lied to us and told us different versions of excuses. Last was XXXX, in the Citi XXXXispute Team tel XXXX who said it was suppose to be transferred to our checking account in 2 to 3 days and the 2 to 3 days have come and gone and every time we call its a different lie. This morning I was transferred to an insurance department that has nothing to do with my money being held against my authorization by Citi Bank NA and the Staff is not being helpful to resolve the issue of returning my money. 
Thank you for your help in getting this complaint on file and helping us get our money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: National Credit Systems,Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
National Credit Systems, defined by the FCRA in this matter as a credit reporting agency, has violated Fair Credit Reporting Act Title 15 U.S.C. 1692c. ( b ) ( 2022 ) by communicating a debt in which has been alleged in association with XXXX XXXX to a third party ( XXXX ) without express written consent or judicial permission. As stated, the furnishing violates the Fair Credit Reporting Act, therefore rendering it impermissible by law to be communicated to a third party or national consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/2023 I have tried to dispute all of these accounts with XXXX XXXX XXXXXXXX XXXX  and have not had any success. 
They all need to be removed from all three credit bureaus ASAP I am now coming to you for help Please inform ASAP Thank you In accordance with The Fair Credit Reporting Act pconsumer rights to privacy and confidentiality under 15 USC 1681 Account Names XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX5 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c 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 7 years 15 USC 1681 s-2a1 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. Bank of America XXXX. XXXX XXXXk XXXX. XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

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 2022-06-17
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony Bank, which is working with PayPal, is stating that I have a line of credit that I did not ever open. I was first made aware of this line of credit when I got a letter from XXXX saying I had a negative action on my credit rating due to a missed payment. 

I successfully disputed the account with the 3 major credit agencies- XXXX, XXXX XXXX and XXXX XXXX However, PayPal/Synchrony still thinks I owe them money. I do not have access to this line of credit to either use or pay a bill, it is not accessible through my PayPal account and I have no idea how to access it. 

This account was also opened in early 2020 which corresponds to the time where my, as well as many other XXXX XXXX XXXX XXXXXXXX, identity was stolen and false unemployment claims were submitted.

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 2022-04-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
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 made a complaint on XX/XX/22 with Wakefield and Associates complaint # XXXX and the resolution was that they claimed that they have sent a request for deletion to the 3 credit reporting agencies on XX/XX/22 with the XXXX  and they have yet to follow through with their claim. They claim to be investigating since XX/XX/22. I check my credit report daily and pull my report weekly, I know that per company policies the 3 credit reporting agencies update negative requests immediately when they receive them. It has been 11 days since they made this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX This is not a duplicate *** There have been many activities of fraud activities on my mortgage account XXXX due to NationStar lack of security. With NationStar lack of security my account was compromised and harm has been caused to me. 

There were multiple delinquencies due to my tenant compromising my account and changing my contact information to her contact information. This was done without my awareness or consent. There has been falsified letters written by my tenant and a loan recodification also done by my tenant. All done without my awareness or consent. 

NationStar wo n't cooperate with such evidence. There was a letter written by my tenant pretending to be me requesting for authorization. The phone number on the letter is her cell phone number. The letter is page XXXX of a fax, but NationStar wo n't provide page XXXX XXXX fax cover page ) which will show that the fax was sent from her place of work. 

Also, there was a loan modification done to my account by my tenant by her contacting the " Making home affordable '' department to reduce the amount of monthly payment. In the documentation provided, Page XXXX shows the fax cover sheet which shows that my tenant XXXX XXXX was the one that did the loan modification. Upon bringing it to NationStar 's attention, NationStar was quick at looking the other way, yet forge the documents by removing page XXXX XXXX Fax cover page ) and then stating that no fraud has happened on the account. Yet, after forging the document, upon still requesting other information, another rep provide the same document and this time the document had page XXXX ( fax cover sheet ) So NationStar forged the document to hide the fraud evidence. 

After bringing the multiple fraud activities to NationStar attention, NationStar then stated that there was a voice call in 2006 of someone granting my tenant authorization over to my account. Yet NationStar wo n't provide me with a copy of the recording that would also proof further fraud activities. I have not requested nor granted authorization to anyone over to my account. The letter, loan modification and voice phone call was all done out of fraud activities of someone pretending to be me. 

If someone pretending to be me, that is Identity Theft and is considered fraud and NationStar is supporting it by forging documents removing evidence and not providing other proofs which will further proof fraud. 
The delinquents that happened on my account were fraud, cause by my tenant compromising my account due to NationStar lack of security.

Company response to consumer: Closed
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: WI
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Acct Number : XXXX ( {$0.00} ), XXXX Acct Number : XXXX ( {$0.00} ), XXXX Acct Number : XXXX ( {$420.00} ) XXXX  Acct Number : XXXX ( {$730.00} ), XXXX XXXX Acct Number : XXXX ( {$1000.00} ), XXXX XXXX XXXX Acct Number : XXXX ( {$240.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ( 7 ) 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