BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for bankruptcy XX/XX/XXXX, a Proof of Claim was filed by Nationstar Mortgage XXXX as Trustee as Creditor.Objection to the claim by my Attorney XXXX XX/XX/XXXX because Nationstar Mortgage could not show a transfer from Nationstar to XXXX Bank. XX/XX/XXXX Nationstar Mortgage Claim was ( Denied ) because Nationstar could not show a transfer to XXXX Bank. Incomplete escrow statements. attachment Did n't show what was actually paid from escrow Balance. I received Certification of Resolution. After the claim was denied XX/XX/XXXX I tried communicating with Nationstar and XXXX Bank on the phone could n't get no were just a run around.Doing that time I experience multiple hang-up and call transfer unable to communicate with anyone. XX/XX/XXXX there was a assignment of Deed of Trust filed by Nationstar Assigned Deed to XXXX bank Eleven months after I filed Bankruptcy and was asked show transfer they made up a Fraudulent assignment. XX/XX/XXXX Filed filed for Motion for relief, Stated that I had defaulted on payment. I was current on payment before they were denied payment because they could n't prove owner of note. XX/XX/XXXX I sent Nationstar and XXXX bank a Letter To who was owner ot note. XXXX XXXX received response from Nationstar stated they would get bank with me by XXXX XXXX still have n't heard back from them as of today XXXX XXXX. XXXX XXXX XXXX received response from XXXX Bank stated they are not the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}

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 2022-05-25
Company: EQUIFAX, INC.
State: PA
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:
Ive call Equifax multiple time on multiple days because my credit file has been mixed with my XXXX  sibling. My equifax is saying I have no credit and showing my personal information as my twin siblings. They havent fixed it and continue to tell me Im wrong when Ive had XXXX mortgage lenders pull it and confirm. Ive paid for it on the XXXX app and that even says I have NO CREDIT for Equifax however I have good and established credit on the other XXXX credit unions. Theyve not fixed this and its been just over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Mortgage Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXg Account # 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 XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SunTrust bank is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. SunTrust Bank claim that I own them money. I really believe that SunTrust Bank being discriminated against me because I'm a XXXX male. SunTrust Bank claim that original creditor was the XXXX XXXX XXXX XXXX as XXXX for XXXX. SunTrust Bank did not give me address for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX. What is the address for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX and do not exist. Have you contact XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX to validate that it my account since I am a victim of identity theft? You have an affidavit from XXXX XXXX. This affidavit is hearsay because XXXX XXXX is not original creditor. If we go to court, I will reject this affidavit because it hearsay and not allow as evidence in court. You claim I owe {$28000.00}. I want to know how you calatue this amount. I am requesting history for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX, XXXX XXXX, SunTrust Bank, and 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and XXXX accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, Transunion and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, Transunion and XXXX with no success. Im also including a copy of the police report that was filed for the 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 2016-07-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I signed up for XXXX American Express cards - a regular XXXX card, and a XXXX XXXX card. Each of these cards offers a bonus if you refer someone using your account - the regular XXXX card offered XXXX points per signup, and the XXXX XXXX card offered XXXX per signup. I was able to get XXXX people to sign up, XXXX for the regular XXXX at XXXX points ( XXXX total ) and XXXX for the XXXX XXXX at XXXX points ( XXXX total ). However, none of the points ever posted, and I 've been complaining and exhausting all options and yet I still can not get anyone at American Express to help me - they just state that the people who did n't sign up did n't use my link. Mind you that I literally stood over some of them while they used my link, and all XXXX will vouch that they did use my link, and I have proof that my links were sent to these people through the American Express website. I 've gotten nowhere with American Express and believe they have a system glitch and are just trying to weasle out of paying me my XXXX points owed. Also, there are multiple people online who had the same issues with these XXXX specific XXXX cards. Where can I go from here to make American Express follow through?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: COAST PROFESSIONAL INC
State: VT
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collection agency was not garnishing my social security for the past year and it said my debt was forgiven and when they did start to garnish my XXXX they never notified me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
When I tried to open up a bank account with my local XXXX XXXX  I was denied and it was because They said I already had a account that was charged off, but I never had a account with them I was trying to open one. Then I checked my credit report and a closed account with a balance of {$630.00} is listed from XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-06-21
Company: Ad Astra Recovery Services Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed the Ad Astra Recovery Services with XXXX and XXXX stated that they verified this information. I do n't understand how can they verify an account that do not belong to me. This account was open as a result of identity theft or they insert this account on my credit file. I need your assistance in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Colony Brands, Inc.
State: WI
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 somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent XXXX letters and I'm not getting any help with my credit reports. 
I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with XXXX is I sent a letter to XXXX On XX/XX/XXXX and a copy of my credit report with my driver 's license because someone else accounts are on my credit report. XXXX claimed they verified the accountss but it's impossible because I know for a fact the accouts not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit but I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX To let them know these accounts not mine SEVENTH AVENUE XXXX and MONTGOMERY WARD XXXX and XXXX XXXX THESE accounts also belongs to someone else and XXXX, Seventh Avenue and Montgomery Ward ignoring me. 

I sent another letter on XX/XX/XXXX to XXXX asking them to remove these accounts from my credit report and they still ignored my request. 

XX/XX/XXXX I contacted Seventh Avenue, Montgomery Ward and XXXX myself asking them to send me information on these accounts so I can find out how somebody else accounts get on my report and the information they have in their files about these accounts and the companies ignored me. I need these accounts to be deleted from my credit file because they are not mine and these companies won't send me any information about these accounts but they keep putting it on my credit report every month. 

ON XX/XX/XXXX I wrote another lettre to XXXX letting them know I contacted these companies and didnt get a response or no paperwork from them to validate the accounts so I don't know how they claim they verified with the company if the companies won't even send me anything or respond to me. 

XXXX letters sent to these companies and nothing done to resolvee

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Delbert Services
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Obtained loan from Western Sky in XXXX XXXX immediately sold to XXXX ( loan officer said loan was with Western Sky but would be serviced by XXXX ). XXXX name on paperwork and all documentation in the mail. Paid for almost one year without any reduction in the loan principal. Did an amortization schedule to determine my 5 year loan would take 10 to repay. Called company because I could n't afford that and was not disclosed. Company agreed to lower interest to 89 % but this only shortened amortization to 7.5 years when my loan docs said 5. I quit paying. 
Several lawsuits and ban on Western Sky and XXXX. Was informed I would not have to repay a predatory lender. 
Now I am being harassed by a collection agency ( legal locator service ) that I am about to be sued for way more than I owed unless I can pay {$740.00} within 2 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed this debt collection company has been listing a collections account on all my credit reports. I never received any correspondence from this company and never received a notice of right to dispute. After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accordance with the Fair Credit Reporting ACT XXXX Account XXXX XXXX XXXX Texas has ben 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 A ACCOUNT WITHOUT MY WRIITEN 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 2022-08-18
Company: Experian Information Solutions Inc.
State: NV
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX  XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00}

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 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I use several credit monitoring services and last month I noticed my hard inquiries were removed from Transunion report. They have now been added back on my credit report. I have not received any notification in writing and I would like the inquiries removed. I tried to call Transunion and after the reps put me on hold for an hour, they then tell me they ca n't help me and hang up the phone.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX OPEN DATE XX/XX/2019 In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 non-monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.

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 2022-05-25
Company: EQUIFAX, INC.
State: GA
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 only address that should be listed on my credit file, should be : XXXX XXXX XXXX XXXX, Georgia XXXX Remove any other address you have listed on my credit file as these addresses are not correct. The only address listed should be the one listed above. Any other addresses should be removed. The only name that should be listed on my credit file, should be : XXXX XXXX Remove any other name listed on my credit file as these names are not correct. The only name that should be listed on my credit file is listed above, please remove any other names you have listed on my credit file. 

I noticed there were two different socials connected to my credit file, these socials are incorrect and should be removed. The last 4 of my socials is XXXX Please remove the incorrect socials of XXXX & XXXX. 

Please see the attached documentation.

Company response to consumer: Closed with explanation