BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. 
I have sent in multiple disputes and XXXX have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, with XXXX form of id verifications etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : XXXX. The date you contacted the creditor. 
XXXX. The contact information for the creditor. 
XXXX. The name of the person who verified the item to you. 
XXXX. The method of communication you used to verify this information. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2020-09-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
And XX/XX/2019 I deposited {$29000.00} into SunTrust bank account. SunTrust was not able to give me the lawful money from open account as requested. I was not giving full disclosure of, it came to my attention sun trust fractionalized money is in my account, I never consented to loans to customers are fractionalization of my money.

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 2017-11-10
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unwanted calls from Nationstar Mortgage-
Call with no one on the line. from XX/XX/2017-XX/XX/2017
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is just one of the numbers that have no one on the line. Now Nationstar has sold to Mr Cooper and I am still getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied with Amazon for their store card, I was approved. The 1st time I used the card it declined because they wanted to verify my personal information, which I did, the purchase went through. However subsequently I've been trying to register on their website, Synchrony Bank, to make my 1st payment but their website would not allow me to register. I call their toll free number for help and get one of those XXXX call centers. I try to explain to the lady the difficulty I'm having trying to register, and she says ok and sends me the link to the website to register. I call Amazon for help and just get transferred around. I have discovered Synchrony Bank is awful to their clients, but I need to protect my credit from them and this 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 monetary relief
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX reported a bankruptcy to my credit report 4 years ago in error. I have since called XXXX and they have removed the XXXX from my record and they sent me a letter to confirm deletion. I have disputed the XXXX  report with Experian and send them the letter XXXX sent me and Experian is refusing to remove the XXXX from my credit report. The XXXX  needs to be removed from my credit report because it is invalid and 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX certified that this account has never been late. I request the correct information be updated. Payment history and accuracy.

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 2017-11-10
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Working with servicer, XXXX, to modify XXXX XXXX XXXX XXXX loan. Their reinstatement notice states that payments were not received between XXXX XXXX and XXXX XXXX, which is erroneously reflected in the modification principle balance of {$140000.00}. However, USPS records show that all payments were received and signed for and bank records reveal that four of the six payments received were deposited by Nationstar. Nationstar failed to credit the payments received below as of the date of receipt : Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received by XXXX XXXX on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a Temporary Payment Program ( TPP ) payment as outlined in Nationstars TPP offer dated  XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX As of date of reinstatement letter, another payment of {$1200.00} was remitted on XXXX XXXX, XXXX. 


Of the 7 payments submitted over the past 7 months, all 7 have been received and 4 have been deposited and it is anticipated that the XXXX payment will be also deposited. Accordingly, the principle balance should reflect aforementioned payments before continuing with executing modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a XXXX XXXX loan. I am XXXX and on a fixed income. I applied for a loan modification with my lender Nationstar currently known as XXXX XXXX, and I was denied at first, then I went thru XXXX, and my modification was accepted. I did my 3 trial modification payments and received my final documents from XXXX XXXX. They added 19 years to my loan. I got my loan in XXXX. With all the late fees they say I am behind on my loan by XXXX. My principal balance went from {$160000.00} to {$190000.00} + {$5900.00} was deferred to the end of the loan. The loan went from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, 19 years added, no late fees deducted, and a balloon payment at the end of XXXX. I feel like XXXX XXXX is doing predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX  days and still no response these issues are causing me pain and suffering and humiliation

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 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
DEPT OF ED/XXXX  - XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
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:
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/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-04
Company: Duvera Billing Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX  715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section XXXX, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: KY
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX  XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am filing a complaint against Experian, a credit reporting agency. I had submitted a dispute regarding my personal information to Experian, requesting them to remove inaccuracies in my personal information. The dispute was submitted by me on XX/XX/2023. 

On XX/XX/2023, XXXX XXXX, the dispute with XXXX tracking number XXXX was delivered to Experian 's address. However, Experian has failed to take any action on my dispute. Instead, I received a response from Experian stating that they received a request regarding my credit information that does not seem to have been sent directly by me or to be authorized by me. This is not true, as I am the one who submitted the dispute. 

According to the federal Fair Credit Reporting Act, if a consumer notifies a credit reporting company directly of any dispute regarding the completeness or accuracy of any information contained in their credit report, the company shall reinvestigate the dispute free of charge. However, Experian has completely ignored my dispute and failed to take any action, which is a clear violation of FCRA 's requirements.

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 2022-08-08
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in contact with your company since XXXX to no avail. I have been in contact with XXXX from your loss mitigation department. She agreed with everything in this complaint. She was forwarding this information to her supervisor XXXX and I was going to hear from her but I have not heard from either of them. The processor I haven't been able to successfully contact is XXXX XXXX ext. XXXX. 

On XX/XX/XXXX I recieved a COVID-19 forbearance agreement for the months of XXXX. I signed, notarized, dated and sent in the loan modification. In this paperwork, written up by your company on XX/XX/XXXX, it stated that my resuming payment of {$1800.00} was to be due on XX/XX/XXXX. I received my statement for XXXX and it was claiming that I owed for XXXX. All credited payments and principal curtailment have been applied to the loan. As far as I can tell this is a clerical error. On XX/XX/XXXX I received a letter stating that i'm in default and that foreclosure will begin if I do not pay the past due amount by XX/XX/XXXX. I have paid for XXXX, XXXX and XXXX. There should not be a past due amount. Again, XXXX was included in the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
A few years ago I paid off my XXXX XXXX XXXX  which was financed through GMAC. It is my understanding that Ally Financial has taken over the remnants/accounts of GMAC. I contacted Ally Financial beginning XX/XX/XXXX to obtain a " lien release form. '' Since I do not have an account with Ally, I am unable to complete any of these processes on line. Everything must be done via telephone call and U.S. Mail. On XX/XX/XXXX I provided my name, address, VIN # to the person at Ally, spelling the name of street, providing the complete mailing address, and I was told I would receive the lien release request form within 7 to 10 days. ( Reference # XXXX ) Three weeks later, on XX/XX/XXXX, I did not have the form so I called back and spoke to XXXX ( Reference l # XXXX ). I was told the form was mailed on XX/XX/XXXX but learned after questioning that they did not use the complete address -- leaving off the suite number and box number. Therefore, the form would never reach me as my mail box is located within a strip center and the suite number is an absolute necessity. I was then told the form would be mailed out again to the correct address and that I should expect it within 7 to 10 days. On XX/XX/XXXX, after not yet receiving the form, I contacted Ally Financial again and spoke to XXXX. She informed me that the form was once again mailed, confirming the correct address, and then told me to " give it a little more time. '' When I asked her where the form was being mailed from, she said " the Title Department '' and when I asked the location, she put me on a 3 minute hold and after returning to the call informed me the form was mailed from XXXX, MD. 

I am experiencing financial hardship due to the COVID pandemic and I am in urgent need of selling my car. This delay on behalf of Ally Financial is causing me undue stress and unnecessary pain and suffering. Even after I do receive the lien release request form, I am concerned -- with their demonstrated incompetence -- that they will further delay my securing the lien release ... causing even more financial stress and strain I need assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of XXXX XXXX. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/2021

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