BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion shows that I have a late payment on my XXXX XXXX closed account. I have never been late on said account and XXXX and XXXX credit reports shows that. I have disputed this with the company a few times dating back to XXXXXXXX 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 2015-10-01
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar mortgage refuses to adjust the value of my home that they have on file to match the original appraisal value indicated by the original purchase documents and the original appraisal. I 've provided the original assessment conducted when the home was purchased to show that the home value was appraised at XXXX rather than the incorrect and improper XXXX that they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made XXXX payments in XXXX of this year however I miscalculated because the taxes had increased. Instead of applying the additional funds to my account Nationstar held the funds for 90 days. I was unaware but received foreclosure notices in the mail in XXXX. I contacted Nationstar in XXXX and was under the impression everything would be resolved paid the difference that night plus charged an additional fee because of a handling charge when doing it over the phone. To my surprise this did n't get taken care of so I had to call again in XXXX. In the meantime Nationstar had been reporting me late to the bureaus a rolling late since XXXX. I 'm devastated over the issue and the mental anguish\concern has been difficult for us as a family. I received an email regarding late fee charges instead of addressing my issue. I was suppose to receive a letter from Nationstar where they were going to fix the reporting error with the bureau 's however that has n't happened yet. Nationstar had someone come out to my house and knock on the door, left a notice on the door knob as well but it was in another language so we were n't even sure who left it. I threw it away but now I 'm extremely embarrassed now that I know why the person was sent. Not to mention I do not understand the lack of common sense used by this company. Nationstar was aware they were holding a whole loan payment shy of XXXX but did n't apply the funds and sent a foreclosure notice instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar acting as the Servicer of this mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of HBOR law is based on Nationstar Mortgage improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times and i never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of the file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. they have never offered any help or relief and continue to threaten to take my home. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX\ XXXX XXXX to illegally start foreclosure on my property. The Nationstar Mortgage and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. So there is no reason why Nationstar should have denied my request or started foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
LETTER GIVING NOTICE OXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX, IL XXXX XXXX XXXX Selene Finance LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Invoice for Asset Rendered We hope this letter finds you well. We are writing to issue a bill for the asset provided to you by XXXX XXXX XXXXXXXX XXXX. Loan # XXXX XXXX. The details of the transaction are as follows : Itemized Charges : | Description | Quantity | Unit Price | Total Cost | Collateral Note | XXXX | {$87000.00} X XXXX {$870000.00} | Subtotal : {$870000.00} Ten % Reserve Charge : | Description | Amount | | Tax ( 10 % ) | {$870000.00} | Total Amount Due : {$780.00}, XXXX Payment Terms : The payment is due within 30 days from the date of this letter. Please make the payment via cashiers check or bank transfer to the following account : Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Name : XXXX XXXX Routing Number : XXXX Account Number : XXXX If you have any questions or require further assistance, please do not hesitate to contact our customer service at ( XXXX ) or E-mail ( XXXX ). We are here to help. 

We appreciate your business and thank you for choosing XXXX XXXXXXXX XXXX. 
Sincerely, Signed XXXX XXXX  XXXX XXXX XXXX BY : ___________________________________________ XXXX, XXXX XXXX to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: TX
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About 18 months ago I had a freeze placed on my credit reports. For the past several months I have tried to have the freeze removed but to no avail. I do not have the pin numbers for the freeze and the credit bureaus will not accept my answers to security questions even though the answers are common knowledge to me. I have done everything that has been asked of me but the freeze can not be removed according to the 3 credit bureaus. I have not been able to get an application processed for an automobile loan or a housing loan or to be approved to rent housing.

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 2020-06-19
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: Was not notified of investigation status or results

Complaint:
This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.

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 2023-10-25
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I declared bankruptcy and had to make planned payments to the chapter XXXX trustee. All of my payments were made to Nationstar Mortgage and never missed a payment for the last 5 years. All of my payments were made in a timely manner. The bankruptcy was supposed to have been discharged XXXX, 2015. It was not. Nationstar Mortgage stated I was 7 months in default. They stated which months were not paid. I submitted copies of my cancelled checks to my attorney. Some of these checks were dated years ago. I thought my bankruptcy was discharged and I continued making my payments. In XXXX, 2015, Nationstar Mortgage did not cash my mortgage payment check. I called Nationstar Mortgage and they stated I was 8 payments behind on my mortgage payments. They further stated that the payments that were in default were from XXXX, 2015 to XXXX, 2015. I have the cancelled checks from XXXX to XXXX. Nationstar Mortgage sent my XXXX mortgage payment back to my bankruptcy attorney. In closing, all of my payments have been made and proof can be provided. Nationstar Mortgage is now attempting to do a foreclosure on my house. Nationstar Mortgage sent me two checks back from my escrow eccount totaling almost {$6800.00} stating they were from my property taxes and homeowners insurance. Planned payments were made to the chapter XXXX trustee and they were all made and in a timely manner. Nationstar Mortgage took over my loan from XXXX when I declared bankruptcy. At that time, XXXX was doing fraudulent loan modifications. {$500.00} was returned to me after I submitted a complaint to the Independent Foreclosure Review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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 XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. You sent this information to the Credit Bureaus and they said everything was verified. I asked for proof from the credit bureaus but none was ever give. According to the FCRA the credit bureaus must give me the proof that i asked for to validate these accounts. I asked for the name of the person validating their position their mailing address and their phone number. I never received any information, but everything was verified as correct. I am also attaching a copy of the request and letter that i sent to the credit bureaus.

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 2015-09-26
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We missed several mortgage payments with Nation Star Mortgage. When we called to make our account current, they gave us an amount to pay for all months including XXXX ( on XXXX XXXX and we paid it ). Then in XXXX we received notice that we owed backpayment for XXXX as well as XXXX. Throughout the last several months we have submitted payments- which were held and returned eventually- ( they would hold them until new fees accrued and then say our payments were not enough to cover the amount plus those new fees. ) They have lied repeatedly about how and when we could make payments. They consistently 'lose ' faxed information- or even say that we did n't sign- even though we have copies of the faxed documents which show that we signed or included information which they say is " missing ''. Now they are foreclosing on our house. They will not provide a reinstatement quote. The amount we owe changes by hundreds of dollars between people in less than an hour of time. XXXX agent told me if I made my payment out to him personally, he could accept it and apply it to our balance. The fees are exorbitant, and they will not tell us what the fees are for. All we want to do is pay the money and keep our house, but they are making it impossible- by not allowing us to know the amount we would need to pay. Legal documents that we have received from them have things crossed out and handwritten in. Pages have been omitted, and then someone blacked the page numbers out so that it would appear no pages were omitted. We are never able to speak to the same person twice. It takes hours on hold to even talk to an actual person. They have terrible customer service, they lie, and I feel they are predatory.

Company response to consumer: Closed
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: TX
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. 
has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-24
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my auto insurance policy with XXXX as they unfairly raised my rates for an auto accident I wasn't even involved in. Additionally, there was no money paid out on any claims nor was I charged a deductible. They also raised my rate for a ticket I got around XX/XX/2019 and was a non-moving violation that should not have had any effect on my policy. I had XXXX for about 5 years and they have certainly made their money from me. Over thousands of dollars. Now they've sent me to this collection agency for {$150.00}. This is beyond belief!!! I absolutely will never pay this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX several times in regard to this matter, that being XXXX XXXX XXXX demanding debt validation. They continue send me letters stating it has been verified without providing me proof i.e., a document bearing my signature entering into any agreement with XXXX XXXX XXXX. I am only asking them to do what is required under the Fair Credit Reporting Act, that they provide a document bearing my signature wherein I have agreed to do business with 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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There is information on my credit report for accounts that is false. I have no knowledge of the information on these account. This is False. Please remove from my 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 non-monetary relief
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT, these XXXX  accounts listed below has violated my rights. 

1. 15 USC 1681 SECTION 602 A, STATES ; I HAVE THE RIGHT TO PRIVACY 2. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES ; A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have disputed the accounts with the credit bureaus as well as sent letters. 
The disputed responses I received back stated that the accounts were in accordance with FCRA, which is not true based on the XXXX violations I have listed above. No response pertaining to the letters that was sent. 



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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation