BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-26
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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX 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 2017-06-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for modification with our mortgage servicer  Nationstar  on  XXXX   XXXX ,    2017  and it took them several months to ultimately deny our request. During all that time and numerous contacts ( close  to 75 phone conversations and at least 20 written communications ) they never mentioned one single time that being late on our mortgage payments WILL 100 % negatively impact our ability to refinance if our    modification is denied. They did n't say that there are guidelines which all the banks  have to follow.     I believe that our mortgage company intentionally chose not to share that information with us in order to get us exactly where they wanted us : - Now we can not qualify for refinancing with ANYONE until we bring our account current and are stuck with the 8.5 % interest for minimum of 12 months with Nationstar.     We could have borrowed the money to make payments on time during the process and would have been able now to refinance without a problem with the kind of equity we have. Instead, we 'll have to pay an extra  $ 12,000+ in interest until  we can even apply for refinancing.     I hope somebody who 's reading this will see through an unethical practice of this financial institution and penalize them heavily for hiding the facts in such a sleazy way!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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

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 2017-06-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, my servicer NATIONSTAR MORTGAGE, LLC is violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE, LLC and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for XX/XX/2017. How are they allowing this fraud to happen. Or are they trying to get what they can out of me and sell my home. Seems like they want to take my trial period payments and not give me a loan modification after. Why would they place my home under foreclosure while Im still in the trial period payment process? I want to work with them and have been for a very long time. After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on XXXX XXXX 2017. I agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok as well. But after making those two payments I received letter in the mail saying that my Loan Modification was denied due to not making the Trial Period Payments. How can this be that after making two payments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for XXXX XXXX, 2017 ( XX/XX/2017 ). They are clearly in violation of the California Homeowners Bill of Rightsand other laws as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There was a account opened up 23 years ago in maine with my solcial sercurity number XXXX. The account was called the cure at XXXX XXXX XXXX in maine hidden from my credit report by all major credit companies that took money to cover the account up. well this account texas governor drained it. Her name is XXXX. XXXX XXXX drained 10 accounts every month that fill up with money from solcial sercurity these accounts at XXXX XXXX XXXX XXXX in iowa on XXXX XXXX XXXX XXXX opened up 23 years ago. they are both fraulent accounts cause they which im sure it was the fbi opened them. the money in these accounts are from mostly from my dna curing the covid 19. i need some one to investagate these accounts and who drained them. thank you 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 2023-06-08
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: 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 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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  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

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 2020-02-24
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing to complain about a company XXXX XXXX XXXX, XXXX- XXXX XXXX. XXXX . I have recently received documents that I am being sued by them without even notified. For a vehicle that was released to their client Ford Motor Credit, LLC. Since then the amount owed has made its on my credit report and has affected my credit score negatively. XXXX XXXX XXXX have harassed me by relentlessly calling my mobile phone, calling my job. Ive changed my number because they would reach out on the hour, every hour trying to get me to pay back XXXX ( as if a guy working a XXXX  job has that kind of money laying under a rock. Ford motor credit is what shows up on my credit report but this law firm are the ones trying to turn rocks into gold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: ENCORE CAPITAL GROUP INC.
State: MS
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 told XXXX XXXX XXXX XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX. Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, However, they stated everything was complete and accurate. I have not talked to them by phone or in person about the debt, or electronic communication about the debt, nor have I received a validation notice. I do not recognize these accounts are reporting on my credit report. I do not recognize the account numbers. I do not recognize the account statuses. I do not recognize the account high balances, nor do I recognize the late payments associated with it. everything reported does not meet the FCRA But that is not possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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. 45b The Act generally makes provisions of form contracts between sellers and individual consumers void from inception if the provisions : ( 1 ) prohibit or restrict individuals from reviewing sellers goods...

15 U.S.C. 41-58, as amended The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, as amended, the Commission is empowered, among other things, to ( a ) prevent unfair methods of competition and...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to  Nationstar  recently from  XXXX . Immediately  Nationstar  began mishandling my loan. I immediately asked for an amortization schedule on my loan so I can compare with previous ones from  XXXX  to validate that my loan transferred correctly and no further mishandling could occur. A supervisor at Nationstar then provided me with a falsified report. I then move up the ladder to the current supervisor who has promised me an amortization schedule for well over a month. My  XXXX   XXXX  17  payment is now due and will soon be late, yet I still do not have anything that can assure me that  Nationstar  has transferred my loan correctly. I have a significant amount of emails to support my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter on XX/XX/2019 to Hunter Warfield to validate a debt they have posted my credit reports from XXXX XXXX. I heard back from Hunter Warfiled on XX/XX/2019. I contacted them again via certified mail on XX/XX/2019 asking them remove the unverified items while they conducted their research, as continuing to post this item unverified is still a means of collection. I've sent my final certified letter to them today, again asking them for their source of validation. 

In the meantime, I've been conducting my own research with the other consumer reporting agencies. XXXX had this same item posted saying my deposit was returned, but then I also had balance when I moved out. That doesn't even make any sense. Attached are the results of that dispute from 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 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
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:
ive asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.

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 2017-06-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan company  Nationstar  says that they contacted me on  XXXX    XXXX ,2017  to discuss an issue related to my loan, but I did NOT speak with them and my wife did not either. I have been trying for months and months to get them to give us an answer and they continue to ignore our requests. They 're lying now and saying they spoke with me on  XXXX   XXXX     2017  and say that I told them we were not interested in doing the lit line adjustment. This is a lie!!! I do n't know who they talked to but if anybody they did NOT talk to me. I am worried they are talking to unauthorized people about my mortgage and account. The only person they should be talking to about this is our lawyer but they refuse to talk to him. They should not be talking about my loan with other people! And should not be lying and saying that I said things when I did not!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX  # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX sold my mortgage to Select Portfolio Servicing. Select Portfolio Servicing is not allowing me to refinance my mortgage with XXXX XXXX XXXX. I gave XXXX XXXX XXXX access to my Select Portfolio Servicing account in XXXX and Select Portfolio Servicing has been claiming they can not find my Finalizing Loan File for over 3 months. Select Portfolio Servicing is also planning on charging me a reconveyance fee of an unknown amount even though I got my mortgage through XXXX XXXX. I want to refinance my mortgage with XXXX XXXX XXXX because of the superior rate they've offered me. Select Portfolio Servicing has me at 3.875 % on a Conventional 30-year and XXXX XXXX offered me {$3.00} meaning I've missed out on thousands of dollars of savings while Select Portfolio Servicing doesn't provide the Finalizing Loan File.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted about owing money through a company called IC Systems Inc years ago and it was never resolved. I do not have any affiliation with this company or did not ever open an account t with this company. Someone stole my information and opened an account under my name. Identify Theft and 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 2020-02-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
l have 4 active credit cards over 2 years old and 2 active personal loans and l still can not get a Fico score from Equifax. 
I have been sending them letters for over 2 years with no result. 
I filed a complain with your institution on XX/XX/2019 without any result. 
So, can you help this time? 
My current Fico Score is XXXX. 
Can you do something about it, please? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Below is an email I am sending to Edfinancial services on XX/XX/2023 : Hello, This is XXXX XXXX, regarding account XXXX. 

I spoke with a customer service representative to verify the amount due and who to make a check out to and verified the address to send payment and submitted payment by mail on XX/XX/2023, more than enough time for the check to be received prior to the XX/XX/XXXX payment due date. The check, for {$20000.00} was cashed on XX/XX/XXXX. 

As of today, XX/XX/XXXX, I continue to receive past due notifications from EDfinancial, and show an outstanding balance of {$220.00}. In addition, my XXXX XXXX has XXXX, I assume as a result of this. 

I have submitted a request that the Consumer Finance Protection Bureau review the above on my behalf. 

Thank you, and please let me know what is being done to resolve this discrepancy. 

XXXX XXXX

Company response to consumer: Untimely response