BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
LOAN DISCLOSURE FRAUD ~ ILLEGAL PURCHASE AND SALE OF A FRAUDULENT LOAN. 

ATTACHED IS THE HUD STATEMENT FOR XXXX, XXXX FL. IT WAS DISCLOSED WITH ESCROW ITEMS LEFT OFF, MAKING THESE ELDERLY CONSUMERS THINK THEY WERE SAVING MONEY WHEN THEY WERE ACTUALLY BEING RIPPED OFF. 

NATIONSTAR AND XXXX HAVE BOTH WENT ON THE RECORD AND STATED THAT LOAN FRAUD IS PART OF THEIR DAILY BUSINESS PLAN. THEY HIDE LOSSES USING FRAUD AND THEY ALSO COLLECT ILLEGAL FEES USING FRAUD ON PAGE 3 OF THIS STATEMENT, ESCROW DISCLOSURE, {$200.00} A MONTH WAS LEFT OFF IN THIS SECTION AND THEY NEVER CORRECTED THE FILE AS REQUIRED BY LAW. 

NATIONSTAR HAS SHOWN ZERO HONESTY AND AFTER DOZENS OF CFPB COMPLAINTS THEY REVERTED BACK TO THEIR STANDARD LIE " WE CA N'T ATTEST TO THE ACTIONS OF THE PREVIOUS SERVICER ''. 

IS IS 100 % FALSE AND 100 % MISLEADING. ALL PAPERWORK IS TRANSFERRED AND ALL SIGNATURES AND FORMS ARE IN THEIR POSSESSION. 

NATIONSTAR CONFIRMED LOAN FRAUD BUT THEY SELL HOMES THEY DO N'T OWN. WE WITNESSED FIRSTHAND AS XXXX, XXXX FLORIDA, WAS SEIZED, MARKETED AND AUCTIONED BY NATIONSTAR EVEN THOUGH THEY NEVER LEGALLY OWNED THIS PROPERTY. THEY CONTINUE TO LEAVE THIS PART OUT OF THEIR CFPB RESPONSES TO US. 

THEY STEAL HOMES, THEY DO N'T OWN THEM, THEY DO N'T CARE. THE THEFT OF XXXX IN XXXX FL IS ALL IN WRITING WITH DATES AND NAMES AND A TITLE COMPANY CLEARLY SAYING " NATIONSTAR DOES NOT AND NEVER DID OWN THIS PROPERTY THEY JUST SOLD ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Consumer Relations : In Re : loan # XXXX I am writing to file a complaint with your agency in regard to my mortgage company ( Nationstar Mortgage ) proceeding to a scheduled sale of my property XX/XX/XXXX. I also like to state, I am at the end of the process of completing a Deed-in-Lieu ; and for Nationstar Mortgage to use this tactic to force foreclosure sale of my home would be detrimental. 

Furthermore, I have contacted Nationstar Mortgage several times to urge them to please cease the sale until they received the necessary Lien release/paid in full documents from HUD County. The mortgage company has release a payment of {$6000.00} to HUD county XX/XX/XXXX. XXXX ( HUD county ) stated it will take 30 to 60 days to forward the information over to XXXX ( Nationstar Mortgage ). I am at the very end of completion and to simply do n't allowed the time to received the documents is just ridiculous, this due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan under Deed-in-Lieu process and this is a violation of the National Mortgage Settlement. 

Lastly, I have submitted my Hardship Affidavit XX/XX/XXXX, and the application to XXXX ( Collateral Liquidation Specialist ) who is working delinquently on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my credit reporting. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX XXXXXX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/XXXX at approximately XXXX, I contacted Transunion hoping to make some changes to my credit report. Upon talking with a customer service agent I explained that I wanted my common law significant other, ( legally my Husband ), to advocate for me as he is much more versed in matters dealing with credit. At that point, she informed us that she could not do that because that was not allowed by Transunion. We then informed her that it was my right to appoint who ever I saw fit to represented me with regards to these issues. Eventually she agreed and my partner took over in communicating with her and present the entire time. We firstly asked that one address be present on the report reflecting " XXXX XXXX XXXX XXXX, Wa XXXX ''. we then asked that the information regarding the FICO score be removed from the report. at this point costumer service agent informed us that we would have to contact someone else to have the FICO score removed. We knew this to be untrue as Transunion is in control of what is presented on their reports. We then repeatedly asked her 4 to 5 more times to have the FICO score removed, and she again told us that is not something that they can do. According to USC codes this is considered manipulation of the truth and Transunion should be held in violation for not providing the proper structure that I was asking for on my report. 

In addition to this complaint, my primary concern is that I would like all of the inquiries to my credit report removed starting with XXXX XXXXXXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your time and attention to this matter. I can be reached at XXXX or XXXX at your convenience, or if you have any questions please feel free to contact me. 
Lastly, I have the audio of the entire conversation with the Transunion Customer service agent, and will be happy to provide that upon request. 

Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a {$6000.00} loan from One Main Financial. I made a payment of {$240.00} for at least a year before defaulting. After an extended period of time, I settled the loan for {$5.00}. Im not receiving a 1099-C for a cancellation of debt in the amount of {$2800.00}. I have paid the debt in full so I believe I should not have to pay taxes on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Affirm Holdings, Inc
State: TX
Product: Credit 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:
On XX/XX/XXXX, an installment loan was taken through Affirm.com to help cover the cost of an {$8200.00} furniture order from XXXX. Once that order was not delivered by the 30 day mark as guaranteed by XXXX, I followed up directly with the merchant. I was repeatedly told that the item was " in transit '' and there was nothing they could do. After another 2 months, on XX/XX/2023 I reached out to Affirm to help me resolve the issue and get my money back. I also reached out to XXXX ( who covered the other portion of the order. ) XXXX swiftly returned my funds and judged the order to be a fraud ( rightfully so. ) Affirm has repeatedly pushed back and is now saying I cancelled my own order, which I did not- I asked for either my furniture or my money back, neither of which was provided by XXXX. 

Affirm needs to make this right and protect my rights as a consumer under the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Over the past 8 months I have writing over 20 plus letters to multiple credit reporting agencies for the inaccurate information that they have been reporting to my credit report. I have also written many letters to CFPB as well, informing them of these problems as. I have accounts on my report that according to the FCRA should not be reported such as age out accounts, accounts that have been re-aged, public records ( which do not even report to the credit bureaus in the State of Maryland but use XXXX which is a third party in which I also reviewed my report with them and they don't have any records of my filing bankruptcy ) and inquires that I have not authorize all in which fall under the FCRA section 6231 ( A ) ( B ) and because of the erroneous information being reported on my credit report I am unable to purchase a home. XXXX XXXX XXXX XXXX was open XXXX been on my credit report for 8yrs and 8 monthsXXXX XXXX XXXX XXXX XXXX was open XXXX been on my credit report for 8yrs and 2months ( not to mention I no idea who this company is ). I would like to have all the erroneous information removed from my credit reports. I have done everything that I can to have this happen but to no avail. I have reached out to an attorney to file a lawsuit against these companies and is currently waiting on my appointment date to begin the process. Again, am just asking that these companies report accurate information in which they are required to do due under the many rules and regulations that is governed by the FCRA.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is in reference to : XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX Balance due : {$3300.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX, Transunion, and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My husband passed away the first part of XXXX 2016 and I 've been trying to assume Mortgage but NationStar Mortgage is being very difficult to do this. My name is on deed but not Mortgage..We leave in a " Joint Tenancy state with the right of survivalship '' but lender does n't seem to care. I have provided lender with all they have ask for and still I 'm waiting. Ii contacted them back in XXXX of 2016 and also sent them the certified death certificate but nothing seems to get them moving. They say they will call me back, they do n't. 
They say they r sending paperwork for me to sign, they do n't, I 'm at a loss as what to do next.. I 've want to refinance the loan once it 's in my name, and now rates have gone up! 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a formal complaint against Nationstar Mortgage. My loan is under the Making Home Affordable Modification Program. On XX/XX/XXXX, I received my monthly statement ( Exhibit A ) with an important message : " Congratulations! You have earned {$9800.00} in Pay for Performance incentives. Per the Making Home Affordable Modification Program guidelines, this amount has been applied to your mortgage loan as principal payment. '' That message is attached to my monthly mortgage statement every month until XX/XX/XXXX ( Exhibit B ) after which they transferred my loan to another lender. 
I have contacted Nationstar Mortgage multiple times and spoke with an agent and they all promise me that they will apply the incentive but was never done. They promise me that they will follow-up, but no return call. I called them again, but they intentionally hang up on me after being transferred to another line. After that, I received a letter that my loan had been transferred to another servicer XXXX ( Exhibit C ) and to a new lending company XXXX XXXX-1 ( Exhibit D ). 
Attached is the Detailed Transaction History ( Exhibit E ) from Nationstar Mortgage LLC, which shows nothing was applied as principal payment for the year XX/XX/XXXX. I also attached XX/XX/XXXX Form XXXX ( Exhibit F ) which reflected the principal payment applied to my loan due to my monthly mortgage payments only. 
My biggest concern is that the amount I am entitled to with regards to what I earned as Pay for Performance incentive was not applied to my loan as principal payment. I also demand that if they transferred me to another lender that the same amount be applied as reduction to my loan principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Wells Fargo Bank incorrectly applied an additional auto loan payment and fees to my auto loan 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 2023-01-25
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account information incorrect

Complaint:
I have a charge off with Toyota Financial for {$150.00} and XXXX with XXXX XXXX for {$950.00} across all three credit bureaus. This car was declared as flooded and totaled by my insurance company and fully paid of for over XXXX XXXX I was only responsible for XXXX XXXX of the leased amount. I have reached out many times to ask these XXXX companies why this is a charge off on my credit report I never received a 1099C to claim this on my tax. Can you please help to get removed I exhausted all my other options already with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I RECENTLY IN XX/XX/XXXX STARTED THE PROCESS OF PURCHASING A HOME. I WAS APPROVED AND EVERYTHING WAS MOVING ALONG. I HAD MONEY IN ESCROW AND DUE TO A BANKRUPTCY CHAP XXXX FILED IN XX/XX/XXXX AND PAID FOR ALMOST 5 YEARS. IN XX/XX/XXXX ROLLED THE CHAP XXXX INTO A CHAP XXXX AND HAD TO FORFEIT MY HOME. THE CASE WAS DISCHARGED IN XX/XX/XXXX. I WALKED AWAY FROM MY HOME AND BANKRUPTCY WAS DISCHARGED AND OVER ... FORWARD TO XX/XX/XXXX I HAVE AN FHA LOAN DUE TO TH B.K ON MY CREDIT AND IT HASNT BEEN 4 YEARS SINCE DISCHARGE. ALL WAS GOOD EARLY WITHDRAWL OF XXXX FUND FOR DN PYMNT. PENALIZED AND TAXED XXXX DOLLARS FOR DOING SO. 5 DAYS BEFORE CLOSING IM TOLD THAT A FORCLOSURE FROM NATIONSTAR FROM MY PRIOR HOUSE WAS NOT ON MY CREDIT BUT ON A DEEP RECORDS SEARCH AND I WOULD NOT BE ABLE TO CONTINUE MY CLOSING OF HOUSE WITH 5 DAYS LEFT. FIRST OF ALL NATIONSTAR FROM MY PRIOR HOUSE WAS FILED CHAP XXXX ON AND DISCHARGED IN XX/XX/XXXX AND THEN IN XX/XX/XXXX THEY PUT IN A DEEP RECORDS SEARCH THAT THEY FORCLOSED ON ME. HOW CAN THEY FORCLOSE AND DESTROY MY CREDIBILITY WHEN THEY WERE BANKRUPT ON AND DISCHARGED?? NATION STAR WRONGLEY PLACED A FORCLOSURE ON ME WHEN IT WAS WELL OVER A YEAR THAT I WAS DISCHARGED FROM BANKRUPTCY. THEY COST ME XXXX IN TAXES AND PENALTIES FOR AN EARLY XXXX WITHDRAWL ,XXXX DOLLARS IN APPRAISELS FOR THE HOUSE I WAS PURCHASING AND I CAN NOT DONATE TO MY XXXX FOR 6 MOS OR PUT THE MONEY BACK IN THE ACCOUNT. NATION STAR DID ME WRONG IN A VERY BAD WAY. THEY HAVE A HORRIBLE TRACK RECORD AND COMPLAINTS THAT DONT STOP. WHAT I AM REQUESTING IS THAT THIS FORCLOSURE THEY PLACED NOT ON MY CREDIT BUT ON MY RECORDS BE REMOVED IMMEDIATLEY SO I CAN PURCHASE MY HOUSE FOR MY FAMILY. EVERY REALATOR INVOLVED AS WELL AS MORTGAGE COMAPNIES AGREED I WAS DONE WRONG AND IT SHOULD NOT HAVE HAPPENED. THEY SAID THAT NATIONSTAR LET THE PROPERTY SIT FOR OVER A YEAR WITH MY NAME STILL ON TITLE UNTIL THE MARKET INCREASED AND SOLD THE PROPERTY FOR A NICE PROFIT AND DAMGED MY CHARACTER IN THE PROCESS. I HAVE BEEN DEALING WITH A BANKRUPTCY ON MY CREDIT SINCE XX/XX/XXXX BUT IN NO WAY WAS EVER SERVED OR ANYTHING ABOUT A FORCLOSURE DUE TO I BANKRUPTED ON THEM CAN YOU PLEASE HELP ME TO RID OF THIS WRONGLEY PLACED FORCLOSURE ON MY DEEP RECORDS SO I CAN CONTINUE MY SEARCH FOR A HOME?? THANK YOU XXXX

Company response to consumer: Closed with explanation