BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-29
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XX/XX/XXXX our mortgage was sold by XXXX to Nationstar Mortgage. There was no notification that this was taking place, so payments were made to XXXX until we recieved a notice from Nationstar dated XXXX/XXXX/XX/XX/XXXX and that notice stated that the amount due {$2000.00} and that amount was due XXXX/XXXX/XXXX. That amount consisted of XXXX payments of {$1000.00} and a late fee. These payments were made to XXXX on a timely manner but were not transferred timely. We also applied for a loan modification through Nationstar during XX/XX/XXXX which was eventually denied. In XXXX of XX/XX/XXXX they paid our property taxes, without our knowledge or consent, which we had also paid, resulting in a duplicate payment that we were notified about. Then the calls started to Nationstar to fix the Escrow account they opened to recoup the taxes they had paid in error. They would take the monthly payment, which was received on time, and would put that into a suspense account. When there was enough money left in that account after some of it going towards the taxes, they would make a payment for the mortgage. This would always result in our mortgage payment being late, they eventually had our account with a pastdue amount of 3 months.. They finally admitted that the escrow account had been opened in error. And they were to correct the error on our account to make it current and correct on our credit rating. They are currently showing late payments from XXXX of XX/XX/XXXX to XXXX of XX/XX/XXXX Part of this is the payments made to XXXX but not transferred to Nationstar and part of it because of the escrow account they opened in error. In summary, we have attempted to get Nationstar to repair our credit report, to be able to go and obtain a new mortgage at a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See attached documents. Remove this personal information that does not belong to me.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status The account was charged off. {$190.00} written off. {$110.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX {$110.00} I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 30 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

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 2015-03-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My primary residence is in XXXX, and I have a mortgage loan with XXXX XXXX XXXX ( originally XXXX ) which is now serviced by Nationstar Mortgage. It is with Nationstar that I have problems with. I am a XXXX in XXXX, but I had a substantial drop of income as I lost a significant providers at the time. This caused me to be in delinquent with my mortgage loan. However, throughout the last year, I repeatedly contacted Nationstar to set up a payment plan. I even offered to pay $ XXXX per month until the loan was current. THEY REFUSED TO ACCEPT UNLESS THE ENTIRE $ XXXX WAS TENDERED. I had also offered them $ XXXX cash now and the rest on a 6 months payment plan, which they also refused. They filed a Notice of Default on XXXX XXXX, 2015, and the XXXX day is around the corner. They had me applied for a loan modification, but I still have no idea with the status is at the present. The reality is if this continues I will be forced to file a Chapter XXXX bankruptcy to prevent my house from being foreclosed. And once that is in place, Nationstar will get much less than what I am offer. This will also ruin my records and business. Therefore, I solicit the help from your office to see if there is anything your office can assist to get Nationstar to act rationally to all. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NE
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2015-03-30
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nation Star Mortgage bought my mortgage from XXXX XXXX XXXX several years ago. I have n't lived there for over XXXX years and it has been in various stages of the foreclosure process for years. Nation Star changed the locks on the doors, so I ca n't get in. 
On XXXX occasions last week, someone has left a hand written envelop with information from Nation Star on the front porch of my current house. They have hand written " Personal and Confidential '' and my name on the envelope, but there is no identifying information of who left it or how we can contact them. They are trespassing on private property to leave these envelopes. When we contacted Nation Star to find out about this practice, they refused to answer any questions or let us talk to a supervisor. My husband, who owns the property they are trespassing on, does not have an account with them, but they would not acknowledge having someone deliver these documents to his house. 
This is unprofessional and seems predatory to have hand delivered items left on a door step with no identifying information. That the company refuses to answer questions about their practices is also troubling. If they are authorizing this type of behavior, they should be able to acknowledge this is their practice to anyone who asks - especially someone who has had it happen to them. Also, to not allow us to speak to a supervisor, or someone other than the phone rep who has no authority, is horrible and leaves people feeling helpless. We will call the police and report the trespasser if they do it again, but they should not be treating people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2015-03-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a 5 year loan modification with XXXX XXXX, who then sold it to XXXX XXXX XXXX and then XXXX sold it to Nationstar Mortgage. In XXXX of 2014, the original 5 year modification ended and Nationstar sent me a letter stating my mortgage payment went from {$1200.00} / Month to {$2200.00} / Month, which there was no way I could afford. I tried to do a loan modification with Nationstar, and after a few months they came back to me and said " Congratulations, you 've been approved ''. My new monthly payment would now be {$2100.00} / months. Wow! They took off a whole {$14.00} per month. I have been trying to work with my Loan Modification specialist to work something out but they are very unresponsive and will not get back to me for weeks, in some instances. Now, it appears they will either send me a default notice or possibly have me do a short sale or cash for keys, and be out of my home of 14 years in 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 multiple times, including 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-11
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Despite requesting the removal of an in-school deferment both XXXX XXXXXXXX and MOHELA have continued to place my loans back in deferment. They have been difficult to contact by email and wait times on the phone have been in excess of 2 hours consistently. 

Please see attached form confirming that I have requested the removal of this deferral yet loans are currently still in-school deferment as evidenced by the attached PSLF application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 an 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 non-monetary relief
Consumer complaint received 2015-03-23
Company: NATIONSTAR MORTGAGE LLC
State: AP
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
From my understanding that Nationstar will not give extension until they get the approval from XXXX. The first had approval for Nationstar was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX XXXX member is XXXX and I have to tell him this disappointing news.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar denied loan modification for property that was purchased XXXX XXXX with XXXX who was in process of beingsued for " preditory lending '' and filing for bankrupcy in that very month and year. 
Nation Star Mortgage eventually gained control of our mortgage from XXXX. There is a break in the chain of title of & gt ; the mortgage. MERS transferred the mortgage to Nationstar on & gt ; XXXX XXXX, XXXX, but before that on XXXX XXXX, XXXX Freddie & XXXX XXXX Mac owned the mortgage & gt ; ( please see attachment from attorney XXXX XXXX that I havesubmitted for complete information on this. ) Further, The process for " loan modification review '' lasted from XXXX XXXX XXXX, XXXX while the foreclosure process was moving along and is now is the final stages of the Judiciary process. 
I feel that Nationstar did not act in a timely manner and is not following guidelines for a fair loan modification on this property. Reason for mod denial is that the " delinquent amount due '' is too high to produce a lower mortgage when that amount has been increasing steadily as the loan mod review has taken so long. Nationstar regularly asked for documents, and then when those were in, found more documents they needed ; documents that had " timed out '' while Nationstar continued to request new documents had to be resubmitted. The process would begin again for review ; the request for additional documents would come XXXX by XXXX as the time ticked away and the " review '' could notbe completed yet! I worked diligently with Nationstar to complete the " Borrower 's Packet '' and qualify for a Loan Modification. I do n't feel that they have worked to meet my needs in a timely fashion and may not have followed the correct guidelines for a Loan Modification on my behalf. There also seems to be some illegal activity around my account, per the documentation that I have provided in an attachment from Attorney XXXX XXXX. A Sale Date is certainly immanent now on this property. Though XXXX XXXX has given me some council on this matter, he is not currently my attorney. I am working with Legal Aid of Hawaii now to hope to stop the foreclosure. Their resources only allow for Loan Modification assistance. Without immediate attention to this matter, Nationstar will likely foreclose on my property, as there was a sale date of XXXX XXXX, XXXX which was " post-phoned '' by the XXXX Commissioner while the Loan Modification Denial Appeal Review was in progress. 
My appeal for Loan Mod. Denial was denied today, XXXX XXXX, XXXX. 
I am XXXX years old. I purchased this property for my children and grandchildren. 
I would like to keep this property if at all possible. thankyou. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this account multiple times. The account is child support I never volunteered to be a part of this program and was coerced into it. Furthermore the dates on the three credit reports dont match as I have uploaded the proof via screen shots of my credit reports and fico reports. 

Also please note that this account is on my report twice. Once as XXXX XXXX and the second time as child support. One saying the account is open and the other saying the account is closed but has an updated past due amount. Both of them are the same 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 2023-10-17
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i was charged {$69.00} for a XXXX XXXX subscription i didn't sign up for and when i disputed the transaction they denied it, the charge was for a suposedly monthly subscription but i was only charged once, and months after the last time i had flown om spirit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt Amount XXXX Collection Company ( XXXX XXXX XXXX XXXX the original creditor XXXX XXXX XXXX  XXXX Date of the loan, showing XX/XX/22. 


My identity was stolen on a loan I never applied for.Someone got a whole of my personal information and used it to obtain XXXX bank is XXXX XXXX XXXX never received notice or call in reference to this loan.I need to see once this loan was obtained, if any payments were made on this account and if so, by whom and what account, and how the account was being paid.I am not showing any inquiry on my credit report in question about this loan..The loan was turned over to a collection company by the name of XXXX XXXX XXXX I am requesting for the original purchase agreement from XXXX XXXX XXXX, that shows that they are the original legal owner to this alleged debt.Please include all the terms and purchases in this agreement

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