BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was allegedly loaned {$110000.00} to purchase my home @ XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX by XXXX home loans. This alleged debt was subsequently was sold to Shellpoint Mortgage company. It is being serviced by NewRez. It has come to my attention that these companies never actually loaned me money, but they created money by using my credit. Since they used my credit without disclosing they were doing such. I never gave them authority to change my promissory note into money. The loan was funded by myself. The fact is there HAS NOT been any real " money of account '' since XXXX, when HJR-92 WAS PASSED ON XX/XX/XXXX. The promissory note I signed is based on NON-DISCLOSURE which voids any contract NON-DISCLOSURE LISTED AS FOLLOWS ... 1. Lack of consideration ; all contracts must have consideration to be valid. 2. NON-DISCLOSURE of the use of the promissory note and signature I was not told that the note would be used to open an account in my name to monetize the note I signed.3. I was not told about the process of monetizing a security interest. 4. NON-DISCLOSURE of the banks relationship to the trustee and beneficiary. Most banks own and control the trustee and beneficiary. This is illegal and a conflict of interest. This makes the note in it's present form VOID. 5. NON-DISCLOSURE of the bank 's lack of authority to foreclose. When I signed the note it was guaranteed by the Department of Veterans Affairs. The bank can not foreclose is no commissioner has been appointed by the VA to oversee the foreclosure. 6. FORGERY of the document I gave the bank for safekeeping. When the bank alters my promissory note in ANY WAY, it is an act of forgery. A simple " for deposit only '' on the back of the note is an act of FORGERY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage is predatory in nature. Since XXXX XXXX XXXX sold my loan to them, they were constantly calling me or sending me emails for their products, even after I told them not to. Thankfully I was able to get this stopped over time, but recently I called to see how much I needed to pay off my PMI. Nothing was said about a long wait time to get it applied to my account. When I paid the amount needed to get PMI off, I have now been getting the run-around. I contacted them to get it taken off and was told it would take XXXX10 business days to research it and then take another amount of time to research it again before it is taken off. Then, the lady I spoke to said there were other people ahead of me, so they would n't be able to start to look into the matter until XXXX XXXX. It 's XXXX XXXX right now and I had already called about this on XXXX, with no answers. On XXXX, I was told I would receive a call on XXXX about this, but received no call. Now because this is being drawn out so long, I will have to make atleast XXXX other PMI payment. Why does this process take so long and why am I being given the run-around on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
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 both XX/XX/2022 and XX/XX/2022, along with numerous times in the last couple of years, Navient and XXXX XXXX ( a subsidiary for Navient ) has been charging interest on all my students loans throughout this COVID situation. Several 10 's of thousands of dollars. I disputed this on my credit reports and without my knowledge, authorization, permission, or my signature, they put every single one of my loans into in school forebearance. 
There are many problems with this : I am not in school. I did not request this. This was done without my knowledge or permission. 
Because of their actions this caused my credit score to drop over 150 points. I have been in an IBR for several years now, and this probably just messed all of that up, let alone any chance of public forgiveness in which I am currently try to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ED FINANCIALXXXX Has violated many of my rights concerning my privacy and securities. 

Per 16 CFR 313 model privacy form. I have a right to opt out of the company sharing my personal and financial information.

Per 16 CFR 313.7 methods of opt out. I sent a written notice to the company of me reserving my rights verbal non verbal written non written.

15 Usc 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2021-05-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am being charged in full for a purchase I have not received - it is a carpet from Home Depot that I was charged on the Home Depot credit card on XX/XX/XXXX and they have sent me a bill and I have not received the carpet as of XX/XX/XXXX and it's likely not going to be installed until later since they still have to come measure before they install and they just scheduled that for XX/XX/XXXX. They charged my Home Depot card the full amount of a quoted service but as of yet I have not received anything. They also offer a promotional 0 % interest for 6 months which will now expire approximately 5 months after I get the carpet ( if the carpet comes in soon ).

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am concerned about the validity and accuracy of your recent investigation of these accounts that reported in my credit report. You responded by saying that Trans Union has completed its investigation, including contacting the furnisher of the information, where applicable. " On XX/XX/2023 ( please listen to recording w/your company ) I was told by two of your representatives in Fraud Department when asked why I have not received anything in writing showing validation of documentation with signature and date signed both reps who clearly stated to me that Trans Union would only use computer system to verify information and they DO NOT speak with creditor or collection company to validate anything in writing. So, I find it funny that you claim to verify all the accounts I disputed listed below when again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 1. XXXX XXXX  ( Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent account be deleted and blocked from my credit file. 2. BANKRUPTCY ( XXXX could not verify so how is it you verified ) XXXX. XXXX XXXX. XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I want verification on all accounts listed showing documentation you claim to have. I want a response within 15 days of receipt of this dispute. I expected and updated report to be sent to me.

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 2023-03-21
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XX/XX/2023

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
My name is XXXX XXXX of the XXXX family a U.S. National of the united states of America , non- resident, non-citizen national. My name is trademarked and copyrighted, a UCC Financing Statement has been filed with the state of Florida. My status has been put on the record that I am not a U.S. citizen and have never consent to anyone using my information. I AM NOT A TAXPAYER. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent, and the ALL CAPTIAL LETTER NAME/ LEGAL FICTION is not I, XXXX XXXX of the XXXX family. XXXX XXXX XXXX in all capitol letters is a corporation, that I have solitidied and belongs to me. I am not liable for this debt.

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 2023-01-10
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:
This is the last time, I will make this complaint because i have an consumer law attorney that is ready to take these credit bureaus to court. 

1. The credit bureaus closed the wrong accounts!!!! I NEVER ASKED FOR XXXX AND XXXX XXXX ACCOUNTS TO BE CLOSED. I ASKED FOR XXXXXXXX XXXX AND XXXX XXXX XXXX TO BE CLOSED ON ALL 3 CREDIT BUREAUS. I NEED ALL LATE PAYMENTS DELETED OFF OF MY CREDIT REPORT! 

2. They missed the deadline of going past 30 days to conclude this issue. Its been more than 15 days and this is not fixed!!! THIS IS AGAINST THE LAW! 

3. I need XXXX AND XXXX XXXX ACCOUNTS BACK REOPENED NOW! I AM TIRED OF THESE CREDIT BUREAUS NOT DOING THEIR JOB!!!!! 

4. THIS IS THE LAST COMPLAINT I WILL BE FILING BECAUSE IF THIS IS NOT FIXED I AM COMING AFTER THEM AND EVERY CREDITOR WHO HAS IMPACTED ME NEGATIVELY BECAUSE OF THEM! THEY HAVE BROKEN MANY LAWS, AND THERE ARE XXXX OF DOLLARS THESE BUREAUS ARE GOING TO OWE ME AND THEY WILL NEED TO FIX MY CREDIT SCORE FOR FREE AND GET ME BACK TO THE XXXX LIKE I WAS YEARS AGO.

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 2023-11-16
Company: Professional Debt Mediation, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told this company to cease communicating with me about this account ( XXXX ) and they are still communicating with me indirectly via credit reporting. The fdcpa states that once a consumer notifies a debt collector in writing of refusal to pay or to cease all communications, a debt collector may not communicate with the consumer. In that act, the term communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. I demand this company to cease all reporting and to compensate me for violating the Fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 recently reviewed my credit profile and noticed accounts that I do not Identify with. I also noticed several inaccuracies and or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- Congress states that a consumer report does not include, transaction or experiences between the consumer and the person making the report. How you use it is your line of credit is payment history which is considered your transaction.

Furthermore, under the Fair Debt Collection Practices Act ( 15 USC 1692b ( 2 ) is prohibited for 3rd party debt collectors to communicate with credit reporting agencies regarding the collection of debts before obtaining written consent.

The law is very clear as to the Civil liability and the remedy available to me for negligent '' noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. These kind of errors are embarrassing and costly. I am being affected emotionally and financially because of these errors.

You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified with no tangible proof.

15 USC 1681 ( b ) 2 permissible purpose as it ( inquiries ) 15 USC 1681 ( s ) 2- prohibited from reporting info that they know to be inaccurate canceled debt ( charge off ) income cant be reported as debt define by IRS as gross or ordinary info.

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 2017-06-21
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have an account with nation star mortgage. After closing, the wrong closing cost was sent. The company never called to tell me so my account was not settled. I realized it when I looked at the account online. I went back and fort until they finally decided to accept the original payoff sent to the closing company. It took probably a month after closing. Now the company is giving me the run around and seem to not want to give back the overage that I am due as more money was sent in than was required for the pay off. Even after a couple days calculation for interest I am still due an overage payback. It has been two months. Every time someone says they will call me back it never happens. the closing company as well as one of their own representative already stated I am due an overage. I can not seem to resolve the issue and everyone seems to act as if they do n't know what I 'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CNG HOLDINGS 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: Information belongs to someone else

Complaint:
Received a bill from a collection agency for something I'd never seen or used. 
A credit card denial from a XXXX Bank that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting the account with capital one inaccurately on my report. Upon reviewing my credit report noticing this was still on my report after settlement for pay to delete. I initially sent a request for XXXX to validate the account, and update to good standings. After 4 different attempts they have failed to update this and its still negatively impacting my report. I have disputed this information three times on XX/XX/21, XX/XX/21 and XX/XX/21, and have given them warning that if it was not updated, i would be filing a formal complaint. In addition the information XXXX is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX ( XXXX ) XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NV
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2023-12-01
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have made payments every month. My mortgage company, Mr. Cooper has cashed my checks. They are now saying I have not made a payment since XXXX, but I have made those payments and the checks have cleared the bank. I am attaching copies of cashed checks as well as a spreadsheet that shows every payment made since XX/XX/2018. 

They have not paid my taxes and insurance even though they have received the money. 

They have not applied the payments to my principal amount. 

They are saying the amount I owe is XXXX. 

Mr. Cooper has stolen my money and mis-appropriated the funds they have been receiving.

Company response to consumer: In progress
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The accounts listed below are not mine and could not be mine because I was incarcerated on the dates they were open in prison. I have shared this with all XXXX bureaus and sent proof of everything and asked them under 15 U.S. Code 1681c2 that the items be taken off and they only removed one and never responded about the others. So I asked them under 15 U.S. Code 1681d to prove they are mine which I know they cant because they are not and was never responded to. 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Identity Theft Report reference number is XXXX and my police report number is 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