BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a XXXX XXXX for a small Subchapter S corporation. We have three accounts with Regions Bank. There have been an attempt to defraud the account which the Bank successfully blocked, however since the last 4 days beginning from XX/XX/2022 and running, my and the company 's CEO 's access has been blocked on line. I can not get any information through the Bank 's call center as to what I need to do to fix this situation. I have made three trips to my local branch attempting to restore my access to the money. I was told by the Branch Manager, XXXX XXXX, at my local branch of Regions Bank located at XXXX XXXX XXXX XXXX XXXX that the access has been restored to all accounts and provided with the reset information, all to no avail. My access was blocked. My ability to meet company payroll obligations are in peril because of my inability to access the accounts. I tried to do a transfer from the company 's main account to the payroll designated account, yet despite assurances that all is restored, I was blocked from doing interaccount transfer which will result in overdraft fee due to schedule federal quarterly employment tax obligations, as well is the state, not mentioning other company bills and obligations. All my pleas with the Regions are met with indifference and lack of ergency. The Bank Fraud Department refuse to provide any information in writing or orally, and keeps sending me to my local branch.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$8000.00} ; XXXX XXXX Inquiry : XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Cascade CISS Holdings, LLC
State: PA
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 have never filed for a credit card with any of these companies. Currently going through a fraud situation and working with an attorney to clear up all of these matters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
Someone stole my information and Im currently working with an attorney to clear some of these matters up and this hard inquiry is just one of many

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
incorrect information such as addresses and jobs

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 2022-09-25
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Vehicle loan was closed on XX/XX/2022 and was reported as 30 days delinquent with a XXXX XXXX balance in XXXX of 2022. 

Bridgecrest formerly XXXX refuses to remove the delinquent status from my credit portfolio. 

The delinquent status has caused my XXXX score to drop by XXXX points. I'm a military veteran looking to purchase my first home but the negative mark on my credit has slowed the process of being approved with a lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, It has come to my attention that Nationstar sent an unsolicited payment of {$1800.00} to XXXX County Treasurer for property taxes. As clearly shown in the attached escrow statement prepared by Nationstar in XXXX 2015, only hazard insurance is being collected in escrow. Furthermore, attached are the property tax bills that were addressed directly to me, and not Nationstar. This error has caused duplicate payments to the XXXX County as I made a payment to them directly since it is not part of the Nationstar escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 U.S.C. 1681. 

Account Name : Account Number : XXXX XXXX  ( XXXX XXXX ) XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Date : XX/XX/2022 XXXX U.S.C. 1681 Section 602 A. Staets I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also States a conusmer reporting agency Can not Furnish a Account without my Written Instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section Sates : 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 then seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) : A person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-03-03
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 reviewed the updated report in XXXX XXXX for 3 credit bureaus. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there inaccurate items on my credit report which are misleading to me. I believe the Bureaus have failed to authenticate these items. The items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2005 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2022-10-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Nationstar - they never rec'd the XXXX payment at the time of the switch- they didn't tell us until several months had passed and they started applying payments to the prior months and demanding we pay XXXX the amount due to catch up - meanwhile tacking on late fees every month.  (I finally did to shut them up)  They also have billed us XXXX for an alleged drive by to see if the house was occupied (despite getting mail from us at this location and not having any of their mailed statements returned by the Post Office.  Most recently, they started sending me electronic statements (WHICH I NEVER REQUESTED) - at first, I thought the statements were just lost- after a couple of months, I realized it wasn't me but rather Nationstar was up to their old tricks.  I sent in payments when I thought they were due... I never was able to confirm status.  XXXX payment was missed- again - they started applying payments retro-active and never communicated with me until I CALLED and Nationstar had applied late fees again. XXXX times- they report me as deliquent to the credit bureaus and accept no responsibility.  I've sent an email advising do not call b/c now they have started calling- XXXX day, XXXX times- XXXX of which were 15 minutes apart.  This wakes my husband who works night shift.  They have called XXXX yesterday and XXXX today despite having sent the do not call notice.  XXXX day - I spent over an hour on the phone with customer service with no resolution - the only way to get resolution is to make nasty posts on XXXX which prompts them to follow-up and respond or else they know you'll keep posting.  The internet (including XXXX is FULL of negative comments about this company.  I am honest in my banking - if you look at the prior 20plus years of home ownership, I never had a problem but now with Nationstar, I have nothing but trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.The Credit bureaus stated my account was properly investigation but how is that possible if the monthly payment, date opened, balance terms, credit limit, past due, last reported, comments, Date last active, date of last payment etc last reported is not accurate. This ground for removal they also violated my rights under 15 USC 1681i ( 5 ) ( a ) ( 5 ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and reinvestigation; and ( it ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 Also the Credit bureaus has received my documents for dispute on XXXX XXXX XXXX  and have not sent out a notification to me as yet stating they received my documents and processed my dispute here is my certified mail tracking 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 2023-01-26
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filled a dispute XXXX XXXX For Debt of {$580.00} I stated to XXXX I never opened an account with them also filed for identity theft The company Convergent outsourcing

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 2022-10-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 a Wire Transfer from my Wells Fargo checking account was initiated to XXXX XXXX account. The transfer did not go through. On XX/XX/2022 Wells Fargo Bank was notified to conduct a Wire Transfer Recall which initiated on XX/XX/2022. After much dialog with my Wells Fargo Bank, account rep., XXXX XXXX ( XXXX ) XXXX & XXXX regarding recovery of {$15000.00} from XXXX XXXX, a grievance was filed with Wells Fargo on XX/XX/2022. Case # ( available from XXXX XXXX ). A recovery amount of {$5300.00} was credited to my checking account on XX/XX/2022, approximately 35 % of funds requested from XXXXXXXX XXXX. On XX/XX/2022 I received a letter from Wells Fargo Bank, Claims Assistance Center stating that the case is now considered closed. On XX/XX/2022 I sent an email to my Wells Fargo Bank XXXX, XXXX XXXX at XXXX informing of the Wells Fargo Bank letter I received and to please retain all file correspondence and documentation for I would be taking further action. 

My personal Wells Fargo Bank representative, XXXX XXXX has on file all correspondence and documentation regarding this Wire Transfer Recall.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: MA
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 sent letters that verified this account is accurate. The months of the year 2021, has different numbers being reported on my consumer report from all bureaus. My report must be held to maximum accuracy by law under 15 usc 1681. After i gave them notice of the errors, my report still shows they did not reinvestigate proper. They are furnishing information knowgly accurate and did not fix my report.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 file identification number is XXXX to a dispute that I have filed several times in regards to a dismissed Bankruptcy case that was never file or entered and TransUnion continue to report it inaccurately after the certification has been mailed to them and I have complained several times to CFPB about this matter. The court is inaccurate the Disposition is inaccurate. The case is XXXX IT WAS FILED IN XXXX XXXX XXXX United States Bankruptcy Court XXXX XXXX Division located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have it reporting from XXXX Bankruptcy Court and has the disposition as DISCHARGED when it was dismissed and never entered in the court, I have been disputing for over a year sending in the certified Copy of Document 41 from the courts. And TransUnion has failed to update my credit report I will attach the same document that was sent to TransUnion Certified and they will not correct. 
I also Disputed this with TransUnion third party agency LCI THROUGH EMAIL AND THEY STATED TO ME THAT THE INFORMATION THEY REPORTED WAS INACCURATE AND THEY ALSO SENT THAT INFORMATION BACK TO CFPB IN RESPONSE.

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 2015-06-26
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with XXXX. It was sold or transferred over to Nationstar. I have become past due almost three months which I hope to be able to catch up in the next 60 days because I quit my part time job to be able to cash out my XXXX so that I do n't get much further behind. I am behind on everything. Nationstar has been calling me everyday sometimes twice a day but I have not returned their calls. I received an email from them on Wednesday about a possible home loan modification assistance program. I called them finally to let them know what my situation was. I was advised to fill out the packet and return it ASAP so that I can get some type of assistance as I transition. Currently, I am looking for XXXX new jobs with the hopes of being able to earn more money so that I do n't have to file bankruptcy. I faxed and emailed the documents. The representative I spoke with on Wednesday said to call back every 4 days to make sure they have all they needed. I called XXXX times today to check to make sure they have the forms. I could n't get not XXXX person to answer the phone after making XXXX calls. I called the following numbers : XXXX ( 6 times ) and XXXX ( XXXX time ). Both numbers were listed in the email I received on Wednesday. Half the times the phone rang and stopped, then it never even rang, then it did ring a XXXX times and no one picked up, then finally I got the automated message that this was their " busy '' season and to go on their website. How are these people supposed to help me save my home if I cant even reach them? I think this is all a rouse. A ploy to make it look like they are helping poor consumers such as myself so that they can take my house from under me making it appear as if I did n't submit forms or try to help myself. I do NOT want to lose my home! I am doing everything I can humanly possible to get assistance but I cant even reach these people so what am I supposed to do? I am frustrated and afraid and scared and just want help. XXXX would not offer me any assistance when I contacted them on numerous occasions about trying to lower my mortgage payment. And now I have to deal with a company that I cant even get to come to the phone?! Please help.

Company response to consumer: Closed with explanation