BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-25
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home in XXXX and was XXXX in XXXX XXXX XXXX. After XXXX to XXXX I found out that a Lien has been placed on my home by a local XXXX. I had no knowledge of the bill or that I owe her anything. I never received a bill from her. When i tried to place the house on the market to sell, I found out about the Lien. I went to her office to try to get it straighten out and could n't get any information on how to pay the bill or who to contact. The XXXX said she did n't know how to contact them. She would n't take the money I was trying to pay her for the bill. I am trying to sell the house before i loose it due to being XXXX from the XXXX and not being able to afford to pay the notes but I ca n't get the Lien off to put it on the market. I got behind on my payments and XXXX XXXX XXXX sold my loan to another mortgage company that does not have a office in my area/state. I told her I was in the military and had just gotten back from XXXX and knew nothing about a bill i owed her. She had went to court and gotten a judgement against me and placed a XXXX on my house without me knowing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card 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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}.

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 2022-01-18
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a transaction 3 times but it got canceled 3 times, then I looked in my app for the company and it said complete. As if someone picked up the money. I filed a complaint with the company and they found their mistake. They issued me a refund with a control number and this is where the problem lies. I have relocated to the XXXX but my bank is in the United States as for now. I use the online service to send my money to me in the XXXX as my debit cards do not work here. They stated my bank would not accept my refund and sent my refund through their service to XXXX. As I stated I have relocated to XXXX and can not receive my refund in XXXX. They refuse to change the payout location for me even though I have sent the requested documents to prove who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: MD
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-06-12
Company: EQUIFAX, INC.
State: VA
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:
The data for this account " XXXX ' appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: NATIONSTAR MORTGAGE LLC
State: SD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage discontinued sending my monthly statements two months ago for no reason. I have contacted them several times only to be assured that they will be promptly continued, then nothing happens. Their customer people are rude and unhelpful. In reading their reviews online, it is apparent they are doing this to many other clients in an attempt to generate more late fees. I am hoping you can help me with this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Although we have told them 3 times that we are not interested in refinancing, they continue to contact me and my husband multiple times per day. We have received an additional 12 calls and 2 emails even after we have told them that we are not interested. This is now considered harassment. I am now at the point of keeping records of all their calls and emails as proof of their continued harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: TN
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 have reached out to this company many times asking them to validate everything on my credit report and to furnish me with the original documentation/ invoices so that I may take the next step. This company has refused to send me what I have requested, yet still states that the information has been validated. This has not only caused me distress but embarrassed me as well as the reason why I was checking my report in the first place to move to another place. I was denied due to what was seen on my transcript. This company has continuously refused my pleas to send me proof of how these erroneously accounts are being verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: IA
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:
Experian & XXXX XXXX continues to publish two fraudulent accounts alleged by the company XXXX XXXX XXXX. I have reported numerous times I have never agreed to any account for any amount with the company XXXX, therefore any accounts alleged by XXXX would be fraudulent. Experian has reported they did an investigation, however Experian is wrong and I will continue to dispute these accounts and have the law make Experian use their assets to explain until Experian removes these fraudulent accounts. I have requested an agreement from XXXX and they have been unable to provide any agreement between myself and XXXX, yet Experian says they have seen it. So I am requesting Experian to provide me a copy of the alleged agreement between myself and XXXX. I have also requested proof from XXXX and they have not been able to provide me detailed proof within the last nine months. I believe nine months is more than an adequate amount of time to come up with detailed proof of these alleged accounts. XXXX  has decided since XXXX can not come up with proof, and because these accounts are clearly fraudulent, to remove them from their credit reporting and I believe that XXXX  removal of these accounts is proof these accounts are fraudulent. XXXX has sent me what they believe is proof and its a letter that is addressed to an address that is not mine nor was mine at the time of the dated letter, that alone should add enough weight to my statement that these accounts are not mine and would make the probability of these accounts being fraudulent more likely than not, thus a removal from credit reporting and would override any data furnisher.

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 2022-01-17
Company: Experian Information Solutions Inc.
State: OR
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 contacted Experian, XXXX and XXXX in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If Experian, XXXX, and XXXX fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: CO
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/XXXX XXXX I sent Equifax a letter to investigate an account that they are reporting inaccurately. They did not investigate the account. So I sent a follow-up letter on XX/XX/2022. Still no response and no investigation. 

In XXXX I called the state of Colorado to find out how the were reporting this, they stated they are not reporting it due to it not being an active open account. They stated that no one has requested any information from them. 

This inaccurate, incomplete and outdated information is an FCRA Violation and they fact that it has been over 60 days and they have not even investigated this is a blatant disregard for the law. 

Ive included both letters that were sent to them and a copy of my credit report with the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: PNC Bank N.A.
State: GA
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 filed a dispute with XXXX  XX/XX/XXXX Report # XXXX in reference to my car loan with PNC bank. I filed bankruptcy XXXX and signed a reaffirmation for repayment. My payments are current and up to date. PNC bank refuses to report my payments to the credit bureaus. I provided my payment history and a copy of the reaffirmation to XXXX. XXXX  reached out to the lender which they confirmed the information is correct but still no changes made to my credit report. I even spoke to a Supervisor at XXXX  who explained to me that if a creditor doesn't report it, they can't make them regardless if they're taking my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX has a sale date on her home set for XX/XX/2015. A completed thorough investigation on the above mentioned client/ borrowers ' property with regards to requesting the true identity of the " Beneficiary '' and the true " Party of Interest '' has been done.The comprehensive title report " Chain of Title '' and/or " Foreclosure Validation '' show the following error ( s ) have occurred during the foreclosure process.The comprehensive title report " Chain of Title '' and/or " Foreclosure Validation '' show the following error ( s ) have occurred during the foreclosure process.Cal. Civ. Code 2923.5 states a notice of default recorded pursuant to Section 2924 shall include a declaration that the mortgage servicer has contacted the borrower, hast tried with due diligence to contact the borrower as required. The notice of default, document number XXXX, is invalid as the servicer did not contact the borrower in person or by telephone in order to assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. The notice of default, document number XXXX, is invalid as it had passed the 90 days before issuing the notice of trustee sale ( document number XXXX ). Furthermore, XXXX XXXX has reached out to Nationstar on numerous occasions for assistance. The inability of Nationstar to receive a simple facsimile, email, or simply maintain a file is inexcusable. Most recently, our office has repeatedly sent in information to Nationstar and they claim they did not receive the documents. By unreasonably and unnecessarily delaying the assistance request, XXXX XXXX continues to get farther and farther behind on her mortgage payments. Practically speaking, it can only be inferred that Nationstar has pushed XXXX XXXX farther into delinquency and foreclosure. The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on homes and fire selling them at auction to make a profit. It appears that Nationstars lack of participation in following CA. Civ. Codes indicate a preference to profit directly from her hardships. XXXX XXXX is XXXX and it is apparent that Nationstar has discriminated against XXXX XXXX by refusing to review her file for assistance to retain her home. At this time we are requesting that the sale date be postponed, or Nationstar and XXXX XXXX XXXX XXXX will be named as defendants District Court Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage paid off in full on XXXX/XXXX/15. Lender failed to return unused escrow funds ( {$1900.00} XXXX. Lender indicated funds would be returned by XXXX/XXXX/15. Funds have not been received as of COB XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Report # XXXX Since XX/XX/2022. I contacted the credit bureau to correct the wrong information on my credit report TILL date they have not fixed the inaccurate personal data. 
Wrong names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Inaccurate addresses XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2021-06-21
Company: EQUIFAX, INC.
State: NE
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:
On XX/XX/XXXX, I tried to unfreeze my credit reporting with Equifax, online. Their system wouldn't let me complete the process. I then tried to complete this over the phone with the same results. There was no option to speak with a person. It stated that I was to mail in my request with SS card and Drivers license ( I was unconfortable doing this in the mail but, I did ). I have not heard from them confirming whether or not it has been unfrozen. I have the pin number issued when I froze my account but, was never asked to provide it. I feel that I have the information ( Pin # ) given when account frozen but Equifax is making it difficult to readily access the information crucial in operating in this information age ( like I'm being held XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to delete any items recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX XXXXXX/XX/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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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. 

Name of Account Account XXXX. Balance XXXX XXXX XXXX XXXX XXXXXXXX {$630.00} Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX {$5700.00} Unverified Account XXXX XXXX XXXX XXXX XXXX {$2500.00} Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX {$6100.00} Unverified Account XXXX XXXX XXXX XXXX XXXX {$2700.00} Unverified Account XXXX XXXX XXXX XXXX Account XXXX Date XXXX Original balance {$4700.00} XXXX XXXX OF XXXX Account XXXX Date XXXX Original balance {$500.00} XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX Date XXXX {$4700.00} 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 AN 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 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 2021-07-22
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested verification of debt being owed to me. Advised this debt does not belong to me via several letters.

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