BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2013 my husband XXXX. A few months after his XXXX, I had an issue with my mortgage company because they started returning my checks to me that I sent in to make my mortgage payments. When I tried contacting the bank to find out what was wrong, they refused to speak to me because they said the mortgage was only in my husbands name. This was incorrect. When we refinanced, both myself and my husband were on the Deed and Mortgage, however, my husband was the only one on the Note. I had to go to surrogate court to get paperwork showing I was the testator of his estate and sent this along with his XXXX  certificate and a letter to Nationstar Mortgage ( n/k/a Mr. Cooper ). I had to resubmit this paperwork several times before someone at Nationstar finally spoke to me and let me know the problem was that my escrow account was short because the Town of XXXX had taken us off the star tax savings. I went to the Town and straightened out that problem, caught up with my payments and thought everything was okay. A few months later, Nationstar started returning my payments again and not speaking to me and forced me into foreclosure. I went to an attorney who tried to fix this problem. We went to court several times. I signed three different sets of modification loan closing settlement papers. During this process I was offered a loan modification which I agreed to ( even though they stated I owed about 20,000.00 MORE than what I actually owed at the time this all started ). I followed through with my obligations and made the payments on time. They would not accept the first closing package I signed because I crossed MY XXXX  HUSBAND 'S NAME OFF. How can a XXXX man sign? Then they started the same process over sending my payments back and forcing me in foreclosure. This is the situation I am in now FOR THE THIRD TIME! My attorney has given up and suggested I contact you. He can not get anywhere with this bank or their attorney. I NEED HELP AS SOON AS POSSIBLE! I have XXXX children and I am afraid of becoming homeless. I do not work because I am XXXX and we live on the XXXX benefits we receive from social security which barely covers the mortgage payment. I am desperate and need someone who can get this bank to do the right thing!!! I tried speaking with a mortgage counselor at XXXX here in XXXX and the same process as with my attorney happened there and they also gave up. Everyone just gives up. I don't know what to do!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have my money in my account with Td Bank when I went to do transaction the Bank told me they have XXXX the money to unknown person that I have no idea.The Bank have the nerve to tell me is not Bank error and I should tell the loss and be quiet.I have all efforts to get my {$300.00} refunded but the Bank TD Bank have refused since XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: SC
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 review my credit report and saw some inaccuracies on credit report. Im currently trying buy house and needs these inaccuracies deleted. So, I mail certified letter to Experian on XX/XX/, XXXXI have not received any information back from the creditors showing investigation information about these inaccuracies.

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 2018-02-06
Company: NATIONSTAR MORTGAGE LLC
State: CO
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:
Nationstar/Mr. Cooper sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with Nationstar/Mr. Cooper, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While working with NewRez to try and refinance our home, they continually attempted to schedule closing dates next day, but refused to provide final closing disclosure document. They rescheduled closing several different times because they had not completed documents on their end. Each time when they scheduled closing, we would request an updated final closing disclosure and they would repeatedly ignore our requests. When they finally provided the document, they provided it an hour before they had scheduled for us to close. The disclosure had inflated numbers that had not been communicated to us and they had changed our interest rate and inexplicably increased closing costs by about {$900.00} from what we had agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have file several complains through CFPB and FTC on-line website, no resolution and sent validation letter with no response, no change to the items in my complaints. There is addresses, inquires name is not mine or validated. XXXX  is updating on a Closed & Collection Account that is not mine, it is Fraud account, a company called XXXX XXXX under an account # XXXX operated by a XXXX XXXX, reported {$80.00} & Late Payment XX/XX/XXXX. This is not my account. Address Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, FRAUD INQUIRES : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX name incorrect XXXX XXXX, FRAUD INVALID Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX. TransUnion : Incorrect name : XXXX XXXX, invalid FRAUD Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AR XXXX, FRAUD Inquires : ALL ARE DATED FOR XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2022-10-08
Company: Foursight Holding LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hello Forsight Capital is saying that I owe them {$11.00}, XXXX. I am concerned about this because I don't believe that I owe them anything. I am a victim of XXXX  XXXX. Around the time that they say I signed a loan I was under duress and under the influence of XXXX  and XXXX  just to be able to cope with being forced to XXXX XXXX XXXX. I truly don't remember signing for that car. I truly apologize for the inconveniences but I don't know if this company is a legit company because I Foursight said that they sold the account and it shows Charged off on my credit report. So I don't know what is going on. Please can Forsight Capital send me the ORGINAL binding contract signed by both parties & a witness in WET INK signatures? As well as show me the TWO forms of my identification that is needed to obtain a loan and can therefore prove that I was the one getting the loan? I also need the legal name of the company who owns the loan because it's not Forsight Capital. Please send me the ORGINAL binding contract Via third party by CERTIFIED MAIL and/ by the sheriff or CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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:
On XX/XX/XXXX I sent a letter to the credit bureas XXXX and TransUnion disputing the validity of In accurate items on my credit report they sent me a credit report on XX/XX/XXXX stating " The company that reported the information has certified to Experian that the information is accurate ''. This information was not reported to XXXX nor Trans Union per attatched letter I sent from the Bankruptcy CourXXXX. 
According to the FCRA the credit agencies are to report accurate information being reported to them. According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-07-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of XXXX XXXX XXXX XXXX to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with XXXX XXXX XXXX XXXX XXXX was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The following companies did not have permission to request my credit report from Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-23
Company: EQUIFAX, INC.
State: TN
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:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data eld reporting. The information has not been proven to be true, correct, or veried.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically veriable ) that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: OH
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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. 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 explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have disputed the addresses and jobs, and names that show on my credit report. 

I was only give one name which is XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, NC XXXX My place of employment is XXXX I have sent in proof multiple times with no update or response.

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 2022-10-11
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: Account information incorrect

Complaint:
Per my credit score on Equifax as of XX/XX/2022, my XXXX XXXX has a balance of {$2700.00}, and XXXX XXXX reported that as of XX/XX/2022. 
However, per XXXX XXXX statement, my balance is {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Investigation took more than 30 days

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Around XX/XX/XXXX I applied for a Home Modification Loan through Nationstar aka Mr. Cooper and it would go until XXXX. I paid every month on time. It reduced my monthly payment considerably. Well before XXXX ended I called Nationstar to see what options I had after XXXX was over and they told me that they were going to submit me again for another modification loan. Well I waited and waited and called and called. I finally found out that the second loan modification was denied and I needed to pay {$28000.00} or go into foreclosure. I asked if there was anything they could do and one representative mentioned doing another loan modification. I told him they just submitted one and it was denied. He said well we can try again. I asked if he needed anything from me like check stubs or bank statements and he said no just like the previous time that I was denied. This came back at the beginning of XX/XX/XXXX as denied also and now the amount to reinstate and keep my house is {$33000.00}. I even asked if they could tack it on the loan. They said no and my monthly rate has gone up now from {$2100.00} to {$2200.00}. I have written to XXXX XXXX, CEO and he hasn't responded yet. This just doesn't sound legit to put someone in a home modification loan and then ask for the full balance when the modification is over. Not giving me any time to pay. I have been told that I can't pay payments unless its the full sum of what I owe from the entire year of XXXX. The Loan Modification was {$620.00} a month and I found out they were holding that in an account until during the loan they collected {$2100.00} and then they would apply that toward the loan so during the entire Mod I essentially only made 1 full payment and that is why I owe {$33000.00} for payments, late fees and attorney 's fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: GA
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:
Credit report shows that I have a XXXX  XXXX XXXX Credit Card # XXXX was opened XX/XX/XXXX. This is incorrect because I was not born until XX/XX/XXXX.

Company response to consumer: Closed with explanation