BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-29
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been fighting with Nation Star for a long time now, this company keeps giving me XXXX. I have been denied several times due to discrepancies on their behalf. I used to have a business before and they kept asking for proof of my business even though I had informed them that I had lost my business. They also denied me for not having proof of occupancy even though they had utility bills and much more under my name and property address. Moreover, this is my only property. I do not own or have any other properties. To make matters worse, I recently got denied for having negative disposable income. How can this be if I have a surplus at the end of each month. I have sent bank statements, my paystubs, and my expenses. I also got denied for a modification because according to them I did not submit enough information regarding rental income which I do not have as I live in the property myself. They also said that I had marked that my home was a rental property. How did they get this information? Again I do not even have renters or a rental property and I sure as XXXX never checked that I have rental property. When I called in to Nation Star several representatives refused to acknowledge the internal mistake. Finally, after threatening to involve my attorney general XXXX XXXX I was transferred to their escalation and was advised an internal investigation would be open on my behalf due to all discrepancies on their part. At this point I have not received anything in writing regarding my complaint with Nation Star therefore I am reaching out to you directly for help. I was supposed to receive the Clarity Commitment modification as part of the settlement from the Department of Justice from XXXX XXXX XXXX but before my modification was completed my loan was transferred to Nation Star. They were supposed to finish the modification on behalf of XXXX XXXX XXXX however that never happened. Thus me still being on the verge of being left homeless due to their incompetence. They refused to honor my modification despite providing proof I received from XXXX XXXX XXXX. Nation Star excuse was that the investor was no longer participating in the settlement. Please help me shed light to this unjust matter. I am tired of going in circles and not getting modified. Please I am begging for your assistance in this stressful matter. I do not want to lose my home. I should have been modified years ago, yet Nation Star continues to prolong my foreclosure so I end up losing my home. Thank you in advance for your assistance. I hope to hear positive news from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Self Financial Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to self via Email and informed them that I had no knowledge of this account and believed that it was created on my behalf by someone else. 

They replied stating that they had conducted an investigation and found that the account belongs to me. 

This is not sufficient by any means, I did not receive any documentation at all and would like this account and its history or lack thereoff removed from all credit reportin bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My entire wallet was lost while out with some friends with some very important information in it that allowed scammer and hackers to access personal information belonging to me. I attempted to go to the bank take my money out and report my card lost and stolen to only find out my account is in a no check status and i could not withdraw any money as well as do anything to my account. Days later i received checkbooks and other items saying that i opened up 6 new accounts via online which I had no clue at all about. Also in the mail i received fraudulent checks that were deposited into my account. The checks nor the 6 new accounts opened in XXXX did not belong to me and I will not take responsibility for these actions. The signature on these checks were not my signature. The suspect forged my signature on these checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received notice letters stating condominium insurance had expired, that no renewal certificate was received, and that force placed insurance would be purchased at likely higher cost. In fact, condo insurance had not expired and will be in force for more than 4 more months. Required me to spend time with my insurance company and then with Nation Star Mortgage ( NSM ) in order to straighten this out. Was told that their system failed to update. That can not be correct as there was nothing to update ( condo policy was XXXX XXXX - XXXX XXXX effective dates ). What bothers me more than spending 45 minutes fixing a non-issue, is how difficult NSM 's phone system was. Their system did everything possible to keep me from speaking to a human being. By the time I eventually spoke to one, he was very kind and ( eventually ) helpful. I pressed " XXXX '' over and over much to the automated system 's dissatisfaction. Should n't it be easier to speak to a human being?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: CA
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:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2021-08-11
Company: EQUIFAX, INC.
State: MD
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:
Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX SER Bank XXXX XXXX XXXX date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXate : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXn personal Inquiry date : XX/XX/XXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have attempted to modify my mortgage loan since XXXX. In the last two years, I have repeatedly been asked to compete applications and submit supporting documents multiple times. Throughout the process I have been assigned to multiple loan specialists which has complicated the process. Last XXXX I was referred to contact Keep Your Home California due to negative equity in home and was told that Nationstar would be working with them to re modify my loan. 
According to Keep Your Home California, Nationstar refuses to re-cast my loan in order to receive XXXX Principal Reduction ( {$25000.00} from this to bring my loan current ). 
Additionally, Nationstar contacted me to have an in-house modification but denied me due to negative property value, only, not income issue. Nationstar has informed me that the only way they re-consider is if I write a complaint to them. My loan is currently in foreclosure with a sale date of XX/XX/XXXX that has been placed on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 non-monetary relief
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and XXXX wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for XXXX to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.

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 2023-02-24
Company: EQUIFAX, INC.
State: CA
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received {$64.00} in a transfer to my Paypal account. I had previously filed a complaint through my credit card ( XXXX ) for an item I'd paid for via Paypal - that complaint with XXXX was resolved. 

Paypal will not let me access my account funds. It advises that I need to upload XXXX statements and bank statements and utlity bills to prove my identity, and I have tried to do so MULTIPLE TIMES, but it will not let me upload them. They are all in PDF, all fit the size constraints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10
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:
ACCORDING TO THE CFPB -- REGARDING HARD INQUIRY ANY RELATED INQUIRIES MADE WITHIN A 14 DAY TO 45 DAYS WILL COUNT AS ONE INQUIRY.THIS ALLOWS YOU TO FIND THE BEST DEAL ON A AUTO LOAN. 
THIS WAS NOT APPLIED TO ME? I FILED A COMPLAINT TO HAVE THIS CORRECTED AND I WAS TOLD " THEY CAN NOT REMOVE INFORMATION ON MY CREDIT REPORT '' WHICH I DID NOT ASK THEM TO DO. I WAS REQUESTING THAT THE RELATED INQUIRIES MADE WITHIN THE 14 TO 45 DAY PERIOD BE COUNTED CORRECTLY AND CHANGED. IF THIS IS THE RULE, WHY DOES THE CREDIT REPORTING AGENCY NOT RECOGNIZE THIS AND APPLY IT TO ME.

ALSO I MUST ADD ... .THERE SHOULD BE A LAW THAT LIMITS THE AMOUNT COMPANY 'S A CAR DEALER CAN TRY TO FIND TO FINANCE A CAR. I WOULD THINK AFTER THE FIRST 10 WITH NO LUCK ... .SHOULD BE A RED FLAG ... .SELLING A CAR TO SOMEONE WHO CA N'T AFFORD IT, SHOULD BE CONSIDERED A PREDATORY LOAN, KNOWING THEY ARE SETTING UP SOMEONE TO FAIL SHOULD BE A CRIME.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: PA
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 Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX 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 2016-04-20
Company: ACS Education Services
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
So much of my payments go towards interest rather than principal. At times, when I would pay more than my required monthly minimum, that extra money went directly towards interest. The first year and a half that I began paying ( 2011 ), all of my payment went towards interest and nothing went towards the principal. Is that normal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 On XX/XX/2023 XXXX XXXX  agreed on XX/XX/2023 that this account number is not mines.

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 2016-02-24
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in danger in having my home foreclosed upon by Nationstar Mortgage. I need help. I am behind on my payments and have gotten no help from my lender. I went through the state of Oregon required foreclosure prevention program. I proved financial hardship caused by unemployment, painful divorce and new job paying much less than my old one. My then wife and co borrower left me for other men after thirty years together. She has since filed quit claim deed on property and has nothing to do with it now. I sent all the documentation that the lender required. Lots of forms, tax info and the like. I asked for a lower, affordable mortgage payment so I could stay in my house. I asked for debt forgiveness on my past dues. No solutions, government plans, or help has been offered at all. I had n't heard from my lender in a couple months, at least, then I received a letter from their law firm stating that they would seek a default judgement against me. I want a fair chance to save my house for my daughter and myself. Nationstar has not dealt with me fairly from the beginning. They have shown no interest in helping me save my house. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an XXXX XXXX credit card with a credit limit of {$110.00}. I lost my job so I could not make the payments. The balance owed on the card was {$86.00}. A collection agency bought the debt and is charging me an unfair price of {$390.00}. I did make a payment to them for {$50.00} on XXXX/XXXX/14 when the asking balance was {$340.00}. I do n't know how or why the balance is now {$390.00}. I did dispute this with the credit agency but they said this is justified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX 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