BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-01
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX is in a financial Hardship. She applied for a short sale which Nationstar was aware of and they went as far as to approve her. 
Then the short sale was declined due to the sale date being " too close. '' The short sale was in ESCROW. 
Nationstar removed the file and now the homeowner 's sale date is on XXXX with no options but to be foreclosed on. 
Although there are numerous reasons why Nationstar 's behavior is unacceptable, the issues that XXXX XXXX would like to bring to your attention are the following : While we understand a short sale takes time, it is inexcusable that Nationstar deny the shortsale ; will not let it be completed. It appears that Nationstar has committed negligence, if not reckless disregards for her short sale request. 
Nationstar approved a short sale, only to the homeowner that she was denied. This should not be tolerated. Nationstar denied her short sale based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution. 

By refusing to disclose details about the process, Naionstar is able to deny request at will without any accountability. The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstar 's lack of participation in a meaningful review of Homeowner 's file indicates a preference to profit directly from Homeowner 's hardships. 

XXXX XXXX fully believes that she has been discriminated against based on her age, race, ethnicity, sex, marital status, and national origin. At this time, we are demanding that the sale date set for XXXX be postponed or she will assert her legal right naming Nationstar as a defendant in district court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I received a statement from TD Bank Mortgage that showed I did not pay my mortgage and with some late fees. I reconciled the payments with my actual bank, and saw that the checks were mailed ( as I use AutoPay ) and cashed, with money taken out of my checking account on time. I called TD bank a few times, and simply get stuck in an automated loop without being connected to anyone. Once I was connected, and she said she could not authenticate me on the phone and I would have to try again some other time. TD Bank has no online resource, no online management of the mortgage, and is wrongly charging me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with Nationstar Mortgage I had a trial payment of XXXX with an income of XXXX. I had to request 5 times that they take the money out of my account. I was XXXX short I informed them that I would the XXXX dollars would be taken from a XXXX XXXX account. The employee at Nationstar said he could not process a payment under XXXX so he refused to process the XXXX dollars then report me to the Dept of Treasury so I can no longer be eligible for the Hamp program that was done on purpose. I should still be eligible for Hamp that was a false forced information. Since when do you have to beg a lender to take funds. At this time I am stuck with their program of their choice. 
Desired Resolution : Hamp Program Loan with supervision from Hamp personnel. 
My Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Product : Loan from Nationstar Mortgage. Texas USA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I became unemployed and started having trouble making mortgage payments I immediately applied for Homeowners Assistance XX/XX/2016. I was 1 1/2 half behind but was making partial payments. Nationstar applied my funds in suspense and made it appear I was 3 months behind and foreclosure process began even though I had a pending modification signing the Dodd Frank agreement. I was able to make partial payments to avoid further damage, but Nationstar rejected my payments and removed the online payment feature online to prevent me from making any payments. I called NationStar to get a reinstatement quote and was verbally given an amount of {$6700.00} to reinstate my loan. I gathered the funds and Nationstar gave me a account to wire only. I went to my bank to process the wire transfer and the bank manager could not verify the account number that was given to me and the name on the account that was given to me and the account did not belong to Nationstar Mortage. I refused to wire the funds to that account and called Nationstar and asked them to draft the funds from my personal bank account. The payment was processed XX/XX/2016 and my loan was reinstated and current. XX/XX/2016 mortgage was due and I made a partial payment of XXXX and learned Nationstar had created bogus fees and applied my partial payment toward these fees. I then received a statement on XX/XX/2016 stating I owed over 2 months worth of fees. I asked Nationstar what these fees were and was not given any answer. I also asked Nationstar to please apply my partial payment and apply towards my XX/XX/2016 mortgage and also to reverse fees. Nationstar has not complied. I believe I have been scammed due to unethical business practices and Nationstar is foreclosing again based upon ficticious fees and misapplication of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: WINN LAW GROUP, APC
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: Credit inquiries on your report that you don't recognize

Complaint:
There was an inquiry on my credit report by Winn Law Group out in XXXX CA. My credit report IS locked and they still got through! After searching their name on the internet, turned out it is debt collection 'lawyer ' according to the reviews. 
I haven't had any debt for 12 years!!! never heard of them, never heard from them! I had to put a fraud alert on my credit report and had XXXX  to investigate the inquiry. How is it possible in this age and technology for scambags to have access to the post private information??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: OH
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 sent in multiple written disputes to Equifax credit bureau regarding the extreme amount of inaccurate information and balances that are reporting on my credit report. The 1st letter that sent, via certified mail, was on XX/XX/XXXX. On XX/XX/XXXX, i received a online notification that an investigation was in progress. On XX/XX/XXXX, i received notification that that an investigation was completed ; the inaccuracies remained on my report and they continued to violate the law. Equifax also failed to grant my request to provide the original documents/ signatures used to verify that the information was 100 % accurate along with FRCA guidelines. Also, on XX/XX/XXXX, I mailed in a follow-up dispute to challenge the inaccuracies, and i also the requested the method of verification as well. As of XX/XX/XXXX, I have not received any correspondence from Equifax. The company continues to violate the FCRA by reporting erroneous information that is damaging to my credit report. Below are the following accounts that I have disputed with Equifax : XXXX XXXX Balance- $ XXXX Reporting as 11 charge-offs, along with an inaccurate balance and reporting. XXXXXXXX XXXX : Balance- $ XXXX Reporting inaccurate information as a charged- off account, along with incomplete information. Equifax continues to report as 100 % accurate and verified. XXXX  : Balance- $ XXXX XXXX XXXX XXXX XXXX was recently listed as the creditor reporting on this account. I requested validation of debt directly from the XXXX XXXX, via certified mail, and they refused to comply. Equifax removed XXXX XXXX XXXX as the creditor and added XXXX. This information is inconsistent with the information report my XXXX credit file. XXXX XXXX : Balance- $ XXXX Incomplete information and an inaccurate balance. XXXX- $ XXXX XXXX- Balance- XXXX XXXX Listed as a duplicate. XXXX XXXXXXXX XXXX XXXX XXXX Reporting inaccurate information that there is a past due amount of {$2600.00}. Equifax has failed to conducted a thorough investigation and to ensure that this account is reporting 100 % accurate. Also note : My name is XXXX XXXX, and I this is not a third party person, such as a credit repair company filing a complaint. I am filing this complaint on my own behalf. The 2 written disputes that I have submitted to Equifax have been sworn affidavits, that requires a signature in the presence of a Notary Agent. I also have receipts verifying that all of my correspondence was sent by certified mail, which bears my signature as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See document attached

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 2023-09-14
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
bought and return product by XX/XX/18 verified by there email dated XX/XX/18 and letter dated XX/XX/2018. Fax copy XX/XX/18 of there email stating credit will be credit to account. add spouse XX/XX/18 to account to help clear up.also again on same letter stating credit of XXXX will take 45 days.letter dated XX/XX/18 states intent to report delinquency to credit agencies.i XXXX XXXX called on XX/XX/18 telling them of previous letter and returning product as stated on top of there letter hand written. receive another letter of intent to report delinquency now owing XXXX. called XX/XX/18 ask to resolve explain all letters to no avail. wrote letter XX/XX/18 to XXXX XXXX XXXX/ dispute resolutions only to receive another bill dated XX/XX/18 they are closing account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: EQUIFAX, 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:
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX AND ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : THE XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 
I have disputed all off these items with each credit bureau by mail several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage Company claims that I missed a payment in XX/XX/XXXX. I called NationStar on XX/XX/XXXX at XXXX and spoke to a lady by the name of XXXX. I asked her to tell me what month and year was this supposed missed payment. She told me it was the XXXX XXXX payment that was not paid. I said if I could prove that it was paid, would I be reimbursed for all the late fees? She assured me that I would be. I have proof of all my payments including the one that they claim was not paid. I mailed the proof to NationStar XX/XX/XXXX. They have never acknowledged that I have provided the proof of payment. Every month they accuse me of being behind in my payment by one month on my mortgage bill. They also add late fees and ask for the missing payment which I do not owe. They are ruining my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Credit Card Receivables Fund Incorporated
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Victim Id form summited multiple times. I have multiple Signature confirmation receipts from letter sent. This account was opened without my knowledge. Under a false name XXXX XXXX and false address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I had contacted XXXX & XXXX   and they have deleted this collection company from my reports, but XXXX  just keeps this fraud Collection on my report after multiple letters and corespondent to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: LA
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:
have contacted credit bureaus on numerous occasions to have incorrect or outdated information removed, however they are refusing to remove the information stating that the items come back validated even though the information is correct.

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 2019-10-29
Company: AmeriHome Mortgage Company, LLC
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed Chapter XXXX bankruptcy and is now showing closed with a missed payment. Called the mortgage company because the mortgage was never on the bankruptcy. 

They said they are showing on their end all payments on time and mortgage/ account still open. Filed a complaint through the XXXX   XXXX XXXX  and they reported back that the organization they get their reporting through is correct. 

Want to fix this disconnect so I can get my credit reporting correctly and fair

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Nationstar has Re-acquired my loan from XXXX. 
Current issue they charged me corporate fees for XXXX to transfer my loan. I had to pay these same corporate fees, when Nationstar acquired my loan. 
I can not get an explanation as to why I 'm responsible for these fees when I did request these transfers. 
Old issue that has ruined my credit. 
When Nationstar acquired my loan from my original lender, XXXX. Nationstar did not honor my mortgage loan agreement. I have made numerous calls to straighten this out with no return call, person no longer handling my loan or some other excuse. I also requested documents on my loan they received from XXXX, which they never sent. I was told once that my loan was Modified. I requested the documents I signed that I agreed, acknowledged to this loan modification. 
I want these issues addressed and the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I went online to the Nationstar Mortgage to pay my monthly bill. Upon entering my login information and sending, I was then asked to enter not only my originating zip code but also my full Social Security Number before proceeding further. This is a terrible affront to online security and should be stopped immediately. There are other ways to verify a user 's information - this is not proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CURO Intermediate Holdings
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:
Hello I was a victim of fraud and several accounts were opened in my name. They just so happen to be medical bills, hospital bills and phone bills. I have submitted these documents to the collection agency and the credit bureaus. Both have continued reporting the fraud accounts on my reports. The collection agencies have refused to provide proof and continue to harass me by continue to report false information on my credit report. Please looking into this and I will provide documents and the list of collection agencies who continues to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage co. bought XXXX XX/XX/XXXX and first thing they charged me XXXX dollars Attorney fee which I protested and after several months they removed it. and they have assessed my account for XXXX dollars Escrow that is also a lie and for 18 months they have been relentless on me after I have shown them on paper where I only missed ONE month at the most for insurance because of a cancelation of all my auto insurance in XXXX and I did no know that they canceled my homeowners insurance also. I sent paperwork that proved I got Insurance the next month. They also say that I was one month behind in my payments which I have checked all my bank statements that say I am not. Please help me because they are doing this me and maybe a lot of other older people wrong by profiting off of escrow and legal fees. On the first statement they sent me I had XXXX dollars in the escrow line then they changed it to XXXX - sign later. Thanks XXXX Nationstar Acc. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be deleted.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applied for credit and became aware of a medical collection account on my credit report and was denied 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