BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I am presenting this follow-up complaint to formally notify XXXX, XXXX, and TransUnion Credit Bureaus of my intention to update my credit reports within a 15-day timeframe. It is my earnest expectation that these three Credit Bureaus will expeditiously expunge the specified inquiries from my credit records. This communication serves as a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries outlined in this communication, as well as those in the aforementioned complaint, be expunged upon the completion of the 15-day credit report update period : XXXX : XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 2022-06-13
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I discovered that I could no longer continue in my employed profession due to suffering a XXXX XXXX and the following surgeries. I applied and was approved for XXXX. However, I was advised that my pay would not start until much later. 

My wife and I contacted our mortgage company and explained our situation. We requested a deferral, an adjustment, or any relief to aid us through this situation. Not only was nothing offered to us ; we were not allowed to make any payments that were not the full amount. This continued for almost a year. 

In XXXX of XXXX ; I received my first XXXX check which included past months of eligibility. Excited I contacted the mortgage company to apply the entire amount to my past due amount. I was informed that they could not accept the amount because it was short of the entire amount of delinquency which included late fees and penalties. During XXXX conversation my wife had with a service XXXX ; she was informed " Well, you could always file for bankruptcy ''. Frustrated, and at my wits end, I did not know what else I could do. 

The mortgage company foreclosed on the house, and it was scheduled for auction in XXXX of XXXX. My wife and I filed for bankruptcy which stopped thefi sale. Unfortunately, we filed XXXX XXXX ( stupidly ). We were able to rescind that motion and stop the bankruptcy. During this time frame I discovered an article stating that the CFPB settled with the same mortgage company with a consent order. 

I am in contact with the mortgage company trying to be fair. Here is the recommendation from them : Short Sale-approved, Deed-In-Lieu-approved, Home Retention-denied. I do have a law firm on retainer in case I must file bankruptcy or take them to court. 

I do have documentation I can send to you via overnight mail.

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 2020-07-28
Company: Cornerstone Holdings, Inc.
State: TX
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:
Cornerstone Credit Services has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both XXXX  and XXXX, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was approached by Human Resources Specialist, XXXX XXXX XXXX via XXXX on XX/XX/2021 in reference to a graphic designer opening for the company XXXX. I was instructed to communicate with Senior Recruiter, XXXX XXXX. I filled out a virtual screening questionnaire and returned it via email. On the XXXX, I was given the job opportunity for a remote graphic designer. I received an employment offer letter and duties of the position. XXXX XXXX XXXX Manager, XXXX XXXX, sent the letter and addressed on how to continue on : pertaining to procurement of office supplies and how to begin working. The employee letter was signed and returned. Stack stated that as soon as the office supplies are under my possession, training will begin. She instructed me that a certified mobile check will be sent to me to acquire the office supplies. " The Finance Department will contact you via text message to walk you through the next steps in the check payment process '', XXXX emailed. I let her know that I was contacted via text and sent the mobile check and instructed on how to move forward. I was sent the account number and name of the vendor. XXXX  emailed me that the supplies will be delivered XX/XX/2021 to my address. I was in text communication with XXXX XXXX from XXXX XXXX. He asked me to confirm who I was and my address. I was instructed to get a cashier 's check for their account. I was also contacted by XXXX XXXX, account department for XXXX. He communicated with me through the vendors interaction. I deposited the mobile check into my account, waited a few days to ensure the check cleared into my bank... which it did. I moved forward and made the cashier 's check to the vendor, XXXX XXXX at XXXX Bank. On XX/XX/2021, XXXX, I received a notification from my bank, Suntrust now Truist, that it bounced and I was negative {$4900.00} plus return fees. I immediately spoke to my bank and they told me that there is nothing they can do and that it is my responsibility. I had no idea about these types of scams or that people could do this. They said they are not liable even though they let the check clear and didn't send me notification until weeks later after the damage had been done. I filed a police report and attempted to contact XXXX but of course no answer. The people I spoke with have refused to rectify the situation.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 U.S.C. 1692c - ( Communication ) in connection with debt collection Communication - Cease remove accounts from credit reporting any form of communication. 

15 U.S.C. 1692G - Never Received any physical information of Validation of Debt - Requested Original Purchase Agreement - Provide a Proff of claim Never Recieved - Requested All methods of verification I feel Im being violated of my Rights with the accounts listed below # 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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account 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 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 2016-10-11
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had previously contacted you when my mortgage company, XXXX, was dragging their XXXX concerning my mortgage modification. Since then they have finally got the papers needed to me and finished the modification. 

Now they have sold my mortgage to Nationstar and I have been informed that I have an escrow shortage so my payment will shoot up to {$1100.00} a month. ( NOTE : I received a letter after starting this that states it will be {$1500.00} a month ) My concern here is that when XXXX did the modification to a 40-year term, they also financed an extra {$3000.00} into the escrow so it would not be short. Now Nationstar is telling me the escrow is short and I should look into a short sale, died-in-lieu, or loan modification. 

Before I ran into problems I was on time with my mortgage, then XX/XX/XXXX I got divorced and XXXX stated the only way they would remove my ex-wife off the mortgage was to refinance me for 30 more years ( I already had 10 years in on the original mortgage. Then XX/XX/XXXX got behind while my new wife was in school, so then I talked to XXXX. All said and done, they modified me for 40 years at {$980.00} a month. I paid 1 month and the loan was sold and now it is {$1500.00} a month. This, mind you is on a {$66000.00} mortgage note. 

And to make matters worse my AC stopped working. Had a service come look and the entire unit has mold in it. I have a XXXX and my wife has XXXX. We are living in an unsafe home for both of us, nowhere to go. 

How is it that these mortgage companies can get away with all this? I am being forced from my home. I have no money, I do not live extravagantly, have a truck that has 18 months before it is paid off. I have said I am not one of those people that stays in a home as long as I can without paying ( you hear horror stories all the time ) but what XXXX has done to me, is forcing me to do just that. 

Do I save and fix AC, do I save and try to move to a rental? We are clean responsible people, but I have XXXX great dog, XXXX cute cats and a XXXX step-son, so my options are limited. Very limited. 

So I ask you, where is the assistance that you hear about that has helped so many others, others that have taken advantage and not paid mortgage payments for a long period of time but were able to refinance to a reasonable payment and a principle reduction? 

I have nowhere to go, no idea what to do. I have been beaten down for the last time. Any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
| was charged on XX/XX/22 in the amount of {$430.00} for XXXX charges that I did not authorize. I was not notified of the charges made until XX/XX/22,. At such time, | contacted XXXX and Chase Bank. XXXX advised me to reach out to my bank while the investigation was underway. XXXX indefinitely suspended my account and advised me to remove my bank information and to change my login information. This is due to the fact that XXXX found fraudulent activity on the account. My email that was linked to the account was different and that's how they knew it was fraudulent. Chase bank temporarily refunded me until XXXX concluded their investigation. Both XXXX and the bank provided written documentation stating that the charges made were fraudulent. 
However, the merchant ( XXXX allegedly provided information to the bank that stated the charges were legitimate and the bank removed the temporary credit and charged me back for in the amount of {$430.00}. After contacting the bank, was notified that there was nothing else that the bank can do and that XXXX had to supply me a direct refund. After reaching out to XXXX once again on XX/XX/22, I was told that a refund can not be issued due to the suspension on my account. I was also told to receive said retund, I had to reach out via email to the original email that stated the activity was fraudulent in the first place. I replied to the email on XXXX separate occasions and have not received a response to date. Email was sent to XXXX Sincerely, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX : I mailed by Federal tax return check to " IRS XXXX for {$25000.00} XXXX XXXX : " XXXX '' withdrew the check of {$25000.00} from my account. JP Morgan Chase Bank let her withdraw the money although it being clear wash check. did NOT inform me and send incorrect communication XX/XX/XXXX : i got aware of the check fraud which JP Morgan Chase Bank enabled and did not prevent/support. I opened a check fraud case- and submitted a case at JP Morgan XXXX Local Police and XXXX XXXX XXXX XXXX 
XX/XX/XXXX : I put stop on all my checks- as JP Morgan is prevelant with fraud. 
Multiple times : Every time I called for an update or to fill a form, I am being told to XXXX JP Morgan Chase bank office. This requires to take time off from my work and put my work at risk ( at current time of high layoffs ). 
XX/XX/XXXX : I was told i will not get my money back till XXXX or XX/XX/2023 ( or later ) XX/XX/XXXX : I still have > {$9000.00} in my checking account. Tried to withdraw {$2000.00} from my account. JP Morgan Chase did NOT let me withdraw the money XXXX of above issue. I had to escalate and call my banker. Even for future withdrawals, I was told i will reviewed and it will not be an simple transaction. 

For someone who has defrauded of {$25000.00} and is a victim ( as confirmed by Local police and XXXX XXXX XXXX XXXX ), JP Morgan Chase bank is treating me like I frauded them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.

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: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2020-03-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute regarding the incorrect items on my credit report, it has be well over 30 days. And I have not received any Investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MD
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:
On the XXXX of XXXX I found two inquiries on my report These two hard inquiries were not authorized by me. 

XX/XX/2022 XXXX XXXX XXXX REPORTED AS FRAUDULENT INQUIRY XX/XX/2022 XXXX REPORTED AS FRAUDULENT INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00} 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 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX violating 15 USC 1681b Permissable purposes of consumer reports along with divisfied adjustment and experian no utility bill should ever hit any credit report violating FCRA also violating 15 USC 1666-CORRECTION OF BILL ERRORS

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 2016-10-05
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of XXXX our mortgage company ( Nationstar Mortgage ) increased our monthly payment by {$130.00} citing an increase in flood insurance ( mandatory for our address ) and also our taxes increased. I was not aware of the increase, so I continued paying the normal {$2500.00} mortgage payment each month. We have over {$3000.00} in our escrow account, and I asked why it was n't taken out of that account, rather we got late fees and my husbands credit was docked two months in a row. They talked in circles and eventually said 'We can only reverse bad credit marks if Nationstar was at fault '. I 've since paid the $ XXXX we were behind and now we 're up to date. Though they 're reporting to credit bureas that we were behind 30+ days each month.

Company response to consumer: Closed
Consumer complaint received 2016-10-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My pay was impacted when " XXXX '' XXXX hit XXXX because NJ was a Federal disaster area, all collection activities were put on " hold ''. I was not told that payments would still accrue. Since then I have been trying to get placed in a modification. I have endured XXXX Home Preservation Specialists, XXXX Modifications which have met with some level of approval and then denied or halted, deleted and omitted documents, policy changes, and lack of responses which have cost me valuable time. Upon my last conversation, I was informed that poor customer service, bureaucratic delays, and open inquiries would not suspend foreclosure activity. 
I have just found, and will fax, the documents which the Senior Analyst claims she could not find. These pertain to title issues- stating that there are " no title issues '' - which has been a recurring theme for 3+ years

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 2016-10-10
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage Complaint. 

I have called nationstar on several occasions to rectify an issue that they created and still waiting a response. 
The issue has to do with my Escrow account. XX/XX/2015 I refinanced my home loan with Nationstar and after the refinance went through ( XX/XX/XXXX ) I changed my XXXX XXXX policy to another provider. For some reason this year I received an letter from nationstar that I was without Insurance from XX/XX/XXXX so they purchased a plan on my behalf for nearly 4 times the cost. 

As you can see I had insurance did n't expire until XX/XX/XXXX and to top it off the policy should have been auto-renewed. Nationstar did n't pay the renewal and have asked them multiple time to fix it. 

The representatives that I have talked to all tell me they will get back to me and never do, that 's not true one lady did, but then told me she would call back in 3 days and never has. As this point I am very frustrated and do not want to deal with them anymore for their constant failure. I want them to fix my escrow account and return money to it as this is clearly their fault. 

Can I sue them for incompetence as I feel like doing that.

Company response to consumer: Closed with explanation