BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
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:
In accordance wit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 15 USC 1681, Section 602A, states I have the right to privacy.

15 USC 1681, Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than 7 years.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/2020 ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: NATIONSTAR MORTGAGE LLC
State: AP
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I originally had a home loan through XXXX XXXX XXXX in XX/XX/XXXX. I took our a VA mortgage to purchase my first house but had to move shortly after. in XX/XX/XXXX the renters in my house cause over {$15000.00} worth of damages to my home. The house was not livable without costly repairs. I spent all of the money I had repairing the house and could not afford to pay the mortgage. After my home was in foreclosure my loan was transferred to Nation Star Mortgage. I completed a loan modification packet half a dozen times and returned it to nation star. Each time I was never given a resolution. After a year and a half of trying I finally signed a document waiving Soldiers and Sailors Relief Act rights. I instructed the bank that they could sell my home now because I was told that because this was a VA loan they could not. It has been an additional year now and I am no closer to moving on with my life. The payments have piled up a level I can never hope to pay and I just want the bank to do what they have been threatening to do since XX/XX/XXXX. I gave them permission when I waived my rights and I have sent this documentation to the bank multiple times. This house has not been occupied since XX/XX/XXXX and it is destroying me financially.

Company response to consumer: Closed
Consumer complaint received 2018-04-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I sent letters to all 3 national credit bureaus requesting that they provide me with my original signature and contract according to the section 609 rule. I also sent in an identity theft affidavit to show the case number of the police report. I received a letter back stating that all of my information has been verified, but they would never tell me how they verified the information. According to the FCRA AND THE FDCPA all information that is being furnished by the agencies must BE ACCURATE. I have found that information is very inaccurate on all of my accounts that were in dispute. How can a person open an account on two separate days? This information is being reported inaccurately and I would like for the bureaus to delete these accounts immediately and i will send the proof of the inaccurate information. They never sent me proof of the original instrument of indebtedness. According the section 623 rule, if items are being reported negatively on the report inaccurately, then the items must be removed immediately. They are unverified according to metro 2, they are not meeting the FCRA standards.

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 2019-03-01
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please read the attached letter, it pretty much explains what. I had tried unsuccessfully to fix this matter with XXXX XXXX in years past.. The Washington State Attorney General suggested I filed a complaint with XXXX XXXX new attorneys.to the Washington State Bar for fraud on the court and XXXX XXXX XXXX for copying a alleged promissory note. ( The Old attorney XXXX XXXX and XXXX including trustee XXXX XXXX  were forced to close in XX/XX/2017 because the DOJ and many lawsuits against them ). Since then the BAR dismissed my case but the Alleged Debt to service had been transferred from XXXX XXXX to Specialized Loan Service. I apologize it took this long to send this from the date of the attached letter. but I had a problem with the internet after the last snow storm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
My home has been foreclose. There is a 3rd party buyer already. It took place on XXXX XXXX, 2015. I am in court right now fighting for a wrongful foreclosure and eviction. I have XXXX lawyers working on this. I am looking for a bank who could finance my loan. It is a winnable situation, because I have very good lawyers. It is very hard, but there will be a light at the end of the tunnel if you will help me get a loan.They are saying the same thing, find a lender to finance my loan.. E-mail address : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: GA
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:
My federally protected consumers rights were violated because Experian furnished false information without my written consent. I never gave Experian any written instructions to furnish anything on my consumers report. No consent is Identity Theft and infringement on my consumers right to privacy. Based off Experian violating my consumers rights, I am unable to apply for any Consumer credit for my XXXX as well as my XXXX. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX and stress because of these results. Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) which state : XXXX a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Experian is in violation of 15 USC 168XXXX. ( a ) ( 4 ) which state : ( a ) Accuracy And Fairness Of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit reporting act convergent account # XXXX, account # XXXX, account # XXXX, account # XXXX # XXXX account # XXXX account # XXXX account # XXXX has violated my rights 15 U.S.C 1681 SECTION SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION SECTION 604 A STATES SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2016-02-12
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX, NATIONSTAR, XXXX AND FINALLY XXXX ARE ALL VIOLATORS OF FDCPA AND DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX Attention : Department of Consumer Affairs I spoke with a representative in your office on Friday, XXXX XXXX XXXX. I was instructed to send a brief detail of my current situation, in hopes your office can help me resolve this eight month issue, which at this point seems irresolvable. 
My previous mortgage holder, XXXX sold my mortgage to Nationstar Mortgage Company. I received a notice from XXXX on XXXX XXXX XXXX to notify me of this transfer which will go in effect XXXX XXXX. I received my first correspondence from Nationstar on XX/XX/XXXX with my account information and my first payment installment information. On this document it also listed a discrepancy of XXXX, in addition to my monthly contacted payment of {$500.00}. I immediately contact this new company Nationstar and spoke with a representative on XX/XX/XXXX in hopes this error on my loan transfer could be corrected. 
Since XXXX XXXX XXXX to date : I have had XXXX calls, XXXX emails and XXXX faxes of requested documents to Nationsatr Mortage and XXXX. I have spoken with over XXXX different representatives in many different departments, from Customer Service Representatives, Escrow Supervisors and Corporate Staff. Apparently, XXXX made an error when transferring my loan to Nationstar. All documents have been received by both companies and it was concluded that I do not and did not owe this discrepancies. The monies were to be resolved between the XXXX companies. ( XXXX sending Nationstar this {$1400.00} ) Unfortunately, for reasons I do not know, this payment has yet to been sent. Nationstar has been and is still billing me for this amount. This situation has become a huge burden on me and my family. Nationstar has put my account in a delinquent status and has charged me numerous penalties for this outstanding {$1400.00}. 
I have been beyond diligent to do all I know/ knew to do and all I was asked by both companies in order for this to be resolved. Unfortunately, I am exasperated, exhausted, overwhelmed and quite frankly saddened, that I, the customer, have been treated as though I have no value to these companies. I have stated to both companies from the beginning, I do not owe this money, nor do I have this money to pay. I am a single mother of XXXX. I work XXXX jobs and I live on an extremely low budget. 
I have all documents to substantiate the facts. I will email or fax upon your request. Below, I have listed the last XXXX representatives I spoke with and their contact information. Both assured me, this problem was resolved! 





Thank you in advance for taking the time to review this distressing issue. I pray your office will be willing to step in and assist. I honestly do not know where else to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Went online to unfreeze my report and filled out all the information correctly and it keeps saying I have missing information and does nothing. 

Experian https : //www.experian.com/ncaconline/removefreeze I have had this problem before and the other agencies have corrected this and I unfroze them easily today. 

There is something wrong with their site and they still have not corrected it. 

They purposely make it difficult so you purchase their products.

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 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX  XXXX loan with XXXX is improperly stating that I was late 119 days. I produced a letter showing the payment deferment status. The credit bureaus continue to improperly report which caused a 68 point drop in XXXX. I am seeking to apply for a new car loan and with the current status I am unable to get approved due to the 68 point drop. I emailed and faxed the letter showing payment status for the time frame that the Trans Union, XXXX, and XXXX  show as being late 119 days. Please help!!!!

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 2018-03-04
Company: Credit Card Acquisitions Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The representative of this company told me that they would garnish 45 % of my wages if a payment was not made within 40 minutes. The debt in question is not mine. The debt in question is in my husbands name. This was an attempt to scare me into making a payment. When I questioned this I was told that the company Foster and Monroe purchased the debt and were working in prelitigation on behalf of the U.S. Military and could start garnishing my wages on Monday without a court order. The collector called the company XXXX XXXX, but when I asked for the website he said Foster and Monroe. The collector also called me back to let me know that he knew where I worked and would have to contact them to start the wage garnishment. This debt they are referring to was acquired in XX/XX/XXXX, I married my husband in XX/XX/XXXX and I live in Georgia which is an equitable division state. Not to mention I was XXXX when the debt in question was acquired and legally not old enough to acquire such a debt. This is a scam and scare tactic to collect a purchased debt 16 years later by contacting a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I XXXX, XXXX, my mortgage service company sent me a letter stating that I am eligible to recast my mortgage. I said yes, and sent the form back to them. They never responded again, so on XXXX XXXX, XXXX, I called them to check on the recast and they said it was still pending. I paid the new, higher, amount on XXXX XXXX, XXXX. Since that time I have called repeatedly and have been told by Nationstart my recast was pending, being reviewed, lost, resubmitted, denied, and now pending again. 
Could you please help me? My interest rate was adjusted XXXX/XXXX/XXXX, and without the recast, I am having real difficulty paying the extra money each month. I am concerned about losing my home, especially when the interest adjusts again XXXX XXXX, XXXX. The recast would enable me to be able to pay each month. 
They were kind enough to offer this to me, but have not done anything to help recast my mortgage. I have done everything they have asked and still nothing. One department told me the last week of XXXX they had halted recasting HAMP mortgages at that time, XXXX XXXX, XXXX. However, I applied for the recast when they offered it in XXXX, XXXX. 
My mortgage information is : Nationstar Mortgage, XXXX, TX My loan number : XXXX Thank you for any help you can offer me. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage serviced by LoanCare. On XX/XX/XXXX, I submitted a written request to have PMI payments removed. I received an automated response asking me to allow 5 business days for my inquiry to be processed. 

I received no further response until the end of XXXX, when I received a letter ( dated XX/XX/XXXX, received XX/XX/XXXX ) informing me that I had to pay to have the property appraised before PMI payments could be removed. Largely due to this delay, PMI payments were not removed until XX/XX/XXXX, nearly four months after my written request. 

On XX/XX/XXXX, I submitted a complaint and requested a refund for some PMI payments. I again received an automated response asking me to allow 5 business days for my inquiry to be processed, but then I received no further response. 

On XX/XX/XXXX, I sent a follow-up email to customer service and opened a case with the Virginia XXXX XXXX XXXX. Once again, I received an automated response but no further response. After some delay the XXXX contacted LoanCare on XX/XX/XXXX. 

Finally in XXXX I received a letter ( Dated XX/XX/XXXX ) from a mortgage resolution specialist at LoanCare agreeing to refund a single month of PMI payment, which I do not consider to be an acceptable resolution. 

The decision to refund only a single month of payment was based on an assertion that LoanCare is allowed to take up to 30 days to respond to the written request to have PMI payments removed. According to the documents signed at closing, LoanCare is supposed to respond " promptly ''. I spoke to the mortgage resolution specialist, who made the claim that the CFPB defines " promptly '' as " 30 days ''. However, the CFPB customer service representative that I spoke to was unaware of any such definition, and upon inspection of the Homeowner 's Protection Act I confirmed that there is no such definition. 

Further research revealed that LoanCare has had 398 complaints lodged against them over the past three years : https : XXXX Many of these complaints are of a similar nature to mine. Together with my own experience, this indicates a practice of intentionally over-collecting PMI payments by ( 1 ) delaying the response to the request to have PMI payments removed, and ( 2 )  ignoring customer complaints.

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 2016-02-23
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Fixed Mortgage Loan in the amount is XXXX I have been paying Mortgage Insurance Premium ( MIP ) {$670.00} The Mortgage company did n't remove the MIP when a reached XXXX % of the mortgage loan. According to the MORTGAGE INSURANCE ANNUAL DISCLOSURE Automatic Termination of PMI : If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach XXXX % of the original value of the property. If you are not current on your loan payments as of that date, PMI will automatically terminate when you thereafter become current on your payments. In any event, PMI will not be required on your mortgage loan beyond the date that is the midpoint of the amortization period for the loan if you are current on your payments on that date. 
I Reached XXXX % on my loan {$89000.00} back on XXXX XXXX, 2013 XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX The Balance in my house is {$24000.00} and I am requesting the full refund of my MIP overpayment since I reached XXXX %. 

Thank you in advance for you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Experian Information Solutions 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:
A chapter XXXX bankruptcy is being reported on XXXX, Experian and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XX/XX/XXXX ) it still remains.

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 2016-02-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2015 Nationstar Mortgage LLC who is servicing the loan on my home in California notified me that my flood insurance, which was for more than the amount owed on my home was insufficient. I was required to obtain flood insurance for the replacement cost of my home at a cost of over 133 % of the original premium. Nationstar threatened to place forced insurance on my home if I did not insure it for more than 3 times the amount I owe on the mortgage.

Company response to consumer: Closed with explanation