BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband was diagnosed with XXXX and had to retire from work. We had to live on our savings and XXXX money until his SS XXXX kicked in. He also received some XXXX from work too. This XX/XX/XXXX it was found that we were overpaid from his work XXXX and had to pay this money back. At this time we knew we were n't going to be able to make our mortgage payment because we did n't have sufficient funds coming in. We called the mortgage company immediately to se what we could do, they suggested doing a loan modification. A package was sent to us which we filled out and emailed, faxed and also sent a hard copy, this had to be in by XX/XX/XXXX. Well for reasons unknown to us they never received the package, even though it was submitted 3 different ways. A second package was then completed, once again same thing never received. By now it 's XX/XX/XXXX, so we completed a third package, finally this one was received and I believe only because I called every other day to make sure they were getting it. It took clear till XX/XX/XXXX that we finally received a letter saying that we were approved for a loan modification, but we needed to submit a payment by XX/XX/XXXX of {$4200.00} first and then our next payment would be due XX/XX/XXXX in the amount of {$2300.00}. Now you tell me how this even helps someone who is struggling to make their payments. Had someone done their job and put through the first package we would n't have ended up 6 months behind as it stands now. I feel we are being taken advantage of and nothing has been done to help us. Why could n't they put the 6 months we were behind onto the back end of our loan? Why are they asking for a large amount upfront? Why did our payment or interest rate not go down? My mortgage company is Nationstar which recently became XXXX XXXX and they are based out of XXXX, TX. Will I have to file bankruptcy now to be able to keep my home? This whole situation is just ridiculous, especially after I called immediately in XX/XX/XXXX when I knew I would not be able to make my payment. Our income had been reduced drastically. We paid our XXXX overpayment back and now are getting our full XXXX amount, so we can make our payment if it were reasonable. My husband had stem cells extracted in XX/XX/XXXX, back XXXX in XX/XX/XXXX to repair fractures in his back caused from his XXXX, a XXXX XXXX in XX/XX/XXXX, had another episode with the multiple XXXX in XX/XX/XXXX that caused a XXXX XXXX XXXX, and then had a XXXX XXXX  transplant in XX/XX/XXXX, so needless to say the last thing we need to worry about is losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX and my divorce started in XXXX of 2015. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX. Filing false XXXX charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX  XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX and XXXX  bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been arrested for harassment, tried having me XXXX XXXX/and or XXXX by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.

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 2021-02-16
Company: Instant Cash Flow, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This person XXXX XXXX keeps emailing me about a loan I took out but everytime I make a payment I still OWE MORE MONEY. HE IS THREATENING TO TAKE ME TO COURT & IS REFUSING TO SEND ME MY IDOMIZED RECEIPTS FOR ALL THE PAYMENTS I HAVE MADE. ITS ABSOLUTE RIPOFF AND I AM AFRAID THIS COMPANY IS ROBBING ME BY SCAMMING.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: First Advantage LNS Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The amount of {$3700.00} should be removed from all credit reporting bureaus immediately. XXXX and XXXX the company was contacted in these regards : - )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
XXXX XXXX  sent letters to 3 of my capital one accounts back in XXXX, the request was to remove negative remarks, account status rating shows derogatory and I went on a payment plan with capital one, all accounts have been paid and should reflect that with all 3 bureaus,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: NAVY FEDERAL CREDIT UNION
State: MI
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:
Navy FCU is in violation of the FCRA for reporting negative inaccurate information on my credit report. This is NOT my account and it is reporting negatively and inaccurately multiple times on my credit report. My report is showing these accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all three posts on my report have the account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: TX
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:
This is my FURTHER Complaint regarding identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX  ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$8600.00} XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$64.00} XXXX XX/XX/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 2023-07-05
Company: Maximus Education, LLC dba Aidvantage
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Aidvantage formally known as XXXX keep placing my loans in forbearance after I told them not too and I supposed to be under income driven payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I looked at my credit report and found a fraudulent account

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 2023-07-05
Company: OneMain Finance Corporation
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 a victim of fraud. According to 18 US Code 1341 states Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate XXXX, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such XXXX according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section XXXX of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( XXXX XXXX. XXXX ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. This is fraud! I would be willing to pay the full balance right now in exchange for the original instrument of indebtedness. XXXX XXXX XXXX XXXX ( a ) and ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 received a copy of my credit profile there were items incorrect my name, addresses, phone numbers, accounts that I did not authorize and inquiries

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 2021-12-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with Rushmore XXXX. I had become unemployed and the COVID 19 Pandemic has dragged out my situation. I have am now on social security and have my son living with me to help with the mortgage. I also now have a renter paying {$1000.00} per month to help with my income. I am able to afford the mortgage and based on modification guidelines my income should be approved. 

After the COVID 19 Forbearance I applied for a modification. The problem I am having with Rushmore is they declined me for not having any income and and stated to me I have had 3 modifications. Both are false. I feel like Rushmore is being very predatory and not truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX was breach and admitted to my information being stolen back in 2020. Due to that I had to file bankruptcy and been in hardship. Please remove negative inquiries off my credit

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 2019-07-16
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank on more than one occasion stated they cover all fraudulent charges. 

I pay my credit card bills with small amounts to zero balance mainly to avoid high interest rates without looking at charges, The last charge of XXXX looked suspicious, so I looked into my account and notified Citibank. 

I did further research and discovered additions charges dating fas far back to XX/XX/XXXX. After their security department investigated, Citibank only honored the latest claim, they did not honor my full claim. 1st denied was Not enough information, this was after I sent in all the information. I called about this a few times, on one occasion received a scolding from a rep to check my statements. Then the last rep I spoke with stated that because of a pattern they will not honor my claim. I am seeking a refund including foreign transactions fees of XXXX. I have other Citibank cards that are fine. 

In addition Citibank was not able to provide merchant information. As you can see in the attached statements, All transactions point to XXXX. I have no reason to purchase directly with XXXX. Please help. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Refunded XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE - Refunded XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE  XXXX XX/XX/XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE XXXX Initial Fraud Claim XXXX Less Refunded amounts XXXX + XXXX Seeking amount of 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 2023-04-29
Company: Experian Information Solutions Inc.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2019-07-16
Company: Caliber Home Loans, 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: Public record information inaccurate

Complaint:
On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. Caliber home loans left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from Caliber admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. Caliber home loans has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they 9XXXX XXXX XXXX ) are now also reporting to my credit as a new foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have unauthorized, misinformation reported or unverified accounts on my consumer report. Please physically verify all dates, amounts, balances, calculations and accounting records. I have no knowledge of how the misinformation is on 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 explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2019-07-16
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX part of my background check is incomplete. 

The XXXX was dropped to XXXX XXXX and then the XXXX was dropped completely. 

The XXXX XXXX was unfounded, I completed the process they requested of me, so I do not have any XXXX XXXX  on my record. 

I had no problem renewing my US Passport due to no XXXX on my record. 

These two incidents were a matter of being in the wrong place at the wrong time and I should not be punished for this. I am simply trying to get a simple job and I have a college education. Please assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have summited documentation to Transunion of fraudulent items on my credit report I have also submitted a copy of the identity report to this company. They Company later reply back stating that I am working with a third party company and they won't process my request unless they come directly from me. Which the letters are from me and not a third party company I demand that they complete the investigation and a timely matter.This company c to send out stall letter instead of completing the investigation I also have sent in all my identification for verification purpose.

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