BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I had our mortgage with aurora loan services. Theysold it to Nationstar Mortgage. We had moved and rented the house and werewere late with payments but never missed. Many times aurora tried topush us into foreclosure but we were late with payments but nevermissed. they put XXXX the amount of late fees, etc. 
in a non interest bearing account and then sold the loan. When Auroraremodified the loan they never put a monthly late payment in. 
Repeatedly we asked nationstar to get us an underwriter to explainand send a loan packet explaining the loan. Nationstar neversent us any paper work and could never explain the loan. They sent adocument on XXXX XXXX, 2015 stating that XXXX XXXX owned ourhome. 
I called a loan officer from another mortgage company and asked aboutmy credit report they ran and she said they have put me late 8 times thisyear and it was only XX/XX/XXXX. XXXX months into the year. I expressed thatno late payments were established in the remodification of the loan. 
But that I had repeatedly asked Nationstar for a written documentation. 
We needed to make one extra payment. I started looking closely at themortgage statements and they were also charging me fees such asproperty inspection fees, etc. they said they would take them off. Theywere also changing our payments monthly. I asked for paperwork toexplain why. Nothing was sent. We bought another home in southCarolina and XXXX XXXX XXXX sold our loan to Nationstar. They raised our loan payment and we continually asked to talk to an underwriter forboth homes. To explain the extra chargesetc. They let our insurance lapse and we called them and they said without our consent they let itlapse and were paying the premiums with my moneyusing their insurance company. Again I had a charge on my statementand questioned it. They said it was a late payment. I said that you justbought the loan and it stated no late payment. I told them they werediscriminating against us. They sent me a welcome letter I then askedfor an underwriter and the paper work that we owned the house andwhat we were paying and why they were raising our payment. Then theysent me another letter with a few more pages still not showing me thatwe owned the houses and what we were paying for. 
I called the XXXX and they have XXXX complaints. 
They have only resolved maybe 5 to 10 percent. someone suedthem and won. 
I feel they have committed mortgage fraud and are beingsecretive. they have discriminated against us becauseof our age and maybe ignorance. 
The telemarketers say they cant give their names and to sell our house ifwe do not like the way they are doing business. 
They sent me a letter to resolve and I called the number listed andextension and it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Advanced Resolution Services Inc.
State: FL
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:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Retail Merchants Associates
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I myself have never had anything to do with my credit score. I myself have not created my own debt. My mother XXXX XXXX XXXX used my social security number for different financial accounts and things and now my credit is bad and im in debt. The only thing im responsible for on my credit report is what I owe to the XXXXXXXX XXXX XXXX. Everything else was done by my mother without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I called the trans world system inc to inform them that they purchased a debt that has been resolved and to contact the originator creditor, but refused to and asked me to provide proof that I do not have as a co-signer.and threatened of legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Nelnet, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a complaint pertaining to a student loan I did not take out. The loan has transferred through multiple companies in a short time and it is currently held by XXXX. The complaint was submitted on XX/XX/2023 and their response was due on XX/XX/2023. I have received no response, and I am still receiving billing statements saying that the first payment is due on XX/XX/2023. I have worked hard to achieve a good credit score, and I fear that not making a payment on this loan I did not take out is going to impact my credit score. I am also a XXXX XXXX XXXX XXXX, and having unresolved debts negatively impacts my ability to get hired. I have been trying for XXXX months to get this issue resolved with no response whatsoever by this company. 

Original complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: WI
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 XXXX  Account Number : XXXX Account Name : 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. 
Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am filing this complaint due to an ongoing issue with Bank of America concerning my credit card account XXXX XXXX XXXX XXXX. After requesting a credit limit increase and providing all requested documents for income verification, I was informed that my account is under consideration for closure, which has not yet occurred but seems imminent. This situation has caused me significant distress and potential financial hardship. I believe the process has not been handled with the transparency and customer care that is expected.

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 2023-12-06
Company: TD BANK US HOLDING COMPANY
State: IL
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/2023 I ordered a XXXX lb bucket of chlorine tablets from an on line company at XXXX. I received an order confirmation for {$61.00}. On XX/XX/XXXX I received an email with the tracking number for the order. The order was supposedly delivered XX/XX/XXXX. Since I was expecting it that day I paid careful attention, and nothing was delivered to my house. I contacted the post office and found out that that tracking number was delivered on the day it said, but to an address across town, and the weight of the package was XXXX oz., so it could not have been my XXXX lb bucket of chlorine tablets. I contacted my credit card company and filed a dispute. I was required to fax the info to them as they would not accept it by email. They denied my claim and told me to contact the company I had ordered it from. I tried multiple times to email them but received no response. I tried to explain to the credit card company that the company I ordered from was fraudulent and that the tracking info they sent me was fraudulent. I sent then a copy of the email from the post office showing the address it was delivered to and the weight but they still refused my dispute. I have refused to pay them the {$61.00} and they have added a late charge each month and reported the account as delinquent and will soon turn it over for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Theyre two closed accounts with XXXX XXXX that I never applied for and it fraudulent and due to identity theft.

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 2023-09-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To Whom It May Concern : It has been brought to my attention that { WELLS FARGO } has listed { negative listing } on my XXXX XXXX file. To my knowledge, I have never had account with { WELLS FARGO ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { WELLS FARGO } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { WELLS FARGO } be permanently removed from my XXXX XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA 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 2023-06-13
Company: EQUIFAX, 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 have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: LEXISNEXIS
State: NY
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:
I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXX & XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXX Date Opened : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX BANK OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name should only be listed as : XXXX XXXX The only address I have is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all other addresses and names Remove 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 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 2023-12-06
Company: ID Analytics, Inc.
State: NY
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:
I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXXXXXX Date Opened : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: NY
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for the California federal Mortgage relief program and after a year wait and previous denial finally I got approved for up to {$80000.00} in grant towards my deferred mortgage balance of {$80000.00} which consist of 4 deferrals combined resulted during the covid. Very exciting news for any struggling and low-income minority homeowner like my self. considering that I am a senior over XXXX years old of age. 
The bad news the servicer decided blocked it and continues to block it from going through or even cooperating rather they have decided to discriminate a against me and turned it into a night mare. 
They said Because the program is only paying up to {$80000.00} and my deferred loans amounts are {$80000.00} they are not sure what to do or how to handle the remaining balance of the deferred loans of {$500.00} which I have offered to pay but they have refused so they could block the assistant from going through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: IL
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2016-07-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has not applied my payments in a timely manner. My Nationstar mortgage statements do not appear to be correct, they do not correctly reflect my unapplied funds balance. Nationstar still continues to charge me late fees with my account being current. Additionally I have emailed Nationstar requesting account information and a detailed transaction history multiple times, to no avail! Nationstar has also illegally applied late payment charges in excess of the 4 % allowed by law and my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX as the XXXX mortgage on this file, we have requested a copy of the valuation from the XXXX mtg Nation Star through the listing agent, and they have refused to cooperate and we are talking a larger loss and have a different valuation. The agent has sent XXXX emails with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
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:
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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I sent my check for the last 2 months and they didnt apply to my account, I been trying to make those payments but they are making hard to receive it

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 2023-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has a product called Experian boost. If you do not XXXX XXXX XXXX XXXX XXXX XXXX or any other large entity. If you not with them you can not improve your score with Experian. This is deceptive trade act account they take formation from small banks why can they not allow small banks with online accounts to join. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not allowed to partake in Experian boost. All this has to do with increasing your fico score. Experian doesnt care to take care of small towns like XXXX XXXX Experian will take information from every bank in 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