BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Back in XXXX, I entered into a lease agreement with a company that approached me claiming they had purchased my home at a foreclosure auction at the county courthouse. The confusing part is that I had been under the impression that my home was not going into foreclosure, as I was actively engaged in the loss mitigation process with the bank. 

When I realized that I might fall behind on payments, I proactively contacted the bank seeking assistance. Unfortunately, they were not able to provide the help I needed at the time. It wasn't until I received a letter from an attorney, attempting to collect a debt, that I was given a contact number to seek further assistance. Without wasting any time, I reached out to the advised company and initiated the necessary processes. 

What makes this situation even more peculiar is that the company initially approached me to buy the home, but I declined their offer. However, a few months later, they came back and informed me that they had indeed purchased my home. Feeling somewhat cornered, they offered me the ultimatum of either renting the property or facing eviction. Given the circumstances, I reluctantly accepted the rental option. Upon agreeing to rent the company offered a 2 year buy back option, after I approached in 2 years they told me they never said anything about a buy back option. I told them they did say it. They denied, however the rep said ( which is the same rep that told me this initially ) I was told these files were housed in a storage that will take a long time to go Through and permission was needed, Permission was declined. 

Now, the issue lies in the fact that both the bank and the purchaser are aware that I am still actively fighting against this situation. It has come to my attention that they have resorted to some illegal self-help eviction tactics, which is causing additional stress and confusion. 

I am reaching out to you today because I truly value your opinion and would greatly appreciate any advice or assistance you can offer. Perhaps you know someone who has dealt with a similar situation or can recommend a reliable resource that can guide me through this complex ordeal. 

Thank you so much for taking the time to read my email and for being there for me during this challenging time. Your support means the world to me, and I am grateful to have you in my life. 

Wishing you all the best and looking forward to hearing from you soon. 

Warmest regards

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 2021-07-10
Company: Mountain Run Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE 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:
XXXX XXXX, XXXX XXXX  and XXXX, are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX or XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!

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: 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 willfully 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 XXXX NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-07-13
Company: Experian Information Solutions Inc.
State: CA
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 purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXXXXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX total I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX  month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business 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 2023-10-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
according to fdcpa reporting a late pay when collection accounts are close ended and can not be late also bridecrest reported an incorrect balance updated date for XX/XX/XXXX XXXX i never contacted them and they are re-aging the account. i attached the screenshot from experian credit report to show this. 

the report says the car was repossed in XXXX of XXXX, then it says Repossession. {$7800.00} past due as of XX/XX/XXXX. 

then it says Balance updated XX/XX/XXXX which means i agreed to a payment arrangement with them on XX/XX/XXXX which i did not. 

i have never contacted them for a payment arrangement they are re-againg the 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 explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint against the credit reporting agencies ( CRAs ) XXXX and Experian for their failure to conduct a proper investigation regarding an inaccurate account reported on my credit profile, which has significantly impacted my financial wellbeing. 

Over the past two years, I have disputed the incorrect account information more than eight times with both XXXX and Experian. Despite my numerous disputes, the CRAs have repeatedly verified the inaccurate information without conducting a thorough investigation. 

I contacted XXXX XXXX, who confirmed that they have not reported any account under my name since 2019. Additionally, I spoke with the original grantor of the account, XXXX XXXX, who verified that the account has a XXXX dollar balance and is marked as settled. Despite providing this information in my disputes, XXXX and Experian have failed to correct the inaccuracies on my credit report. 

The continuous reporting of this incorrect account information has drastically lowered my credit score, leading to higher bills, an inability to secure loans, and other financial hardships that have adversely affected my quality of life. 

I am requesting the CFPB 's intervention to ensure that XXXX and Experian conduct a thorough and proper investigation into my disputes and correct the inaccurate account information on my credit report. I am willing to provide any further documentation or information necessary for the resolution of this complaint. 

I appreciate your prompt attention to this serious matter.

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 2023-10-06
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by clone company of XXXX involved me in making deposits for a total amount of XXXX XXXX ( XXXX EUR ) from my Kraken account to a fraudulent firm. 

I asked Kraken to refund this scam but they refused saying they are not in a position to evaluate whether I was genuinely defrauded.

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 2016-11-08
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, I mailed Registered Mail ( # XXXX ) to Nationstar Mortgage and it was received and sign for on XXXX XXXX, by XXXX XXXX XXXX. A STATE CERTIFIED BOND ASSIGNMENT was enclosed for the amount {$230000.00} to payoff the loan, with the payoff statement. Nationstar Mortgage acknowledged that payment was received and the account was never credited and closed. Nationstar Mortgage have not sent my Bond Payment back to me, the account should have been adjusted to SATISFACTION IN FULL., to this day, it is not. I would like to have my money back or adjust the account and closed it. UCC XXXX, states if a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, the debt is discharged. Please investigate, there is some fraud taking place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a check to the proceeds I received after selling items from a reputable store into my Capital One 360 checking account via mobile app on XXXX  XX/XX/XXXX. A few hours later, received a notification from the company saying the deposit was successful. This was followed by an email a few minutes later saying that the Capital One reviewed the deposit and determined there's a risk the check will return - to protect me, they were delaying the availability of my funds until XXXX  XX/XX/XXXX. 

This was followed up with another email from Capital One saying that my account was being restricted until my recent activity could be verified. After review my accounts could be closed and all funds will be transferred to an externally linked checking account or sent to my by check. 

I immediately followed up with the store to see why and if their account had enough money to cover the cost of the check, which they verified that they did. 

I asked Capital One to call me back- since now my account was with a department that can not be reached directly via their customer service center but instead have to wait for them to call us back. 

I received a call from Capital One on XX/XX/XXXX saying the bank thought there was a high chance of the check being returned and to protect themselves they were cancelling my account. I have had similar restrictions placed on my account after receiving money from my XXXX program for a house downpayment and receiveing XXXX cash transfers from my fiancee in 2022- which were all ultimately resolved. 

On Monday XX/XX/XXXX Capital One successfully cashed my check- which I constantly reminded them would, based on the store 's assurances that they had more than enough money to cover for the check. My account remained frozen and Capital One did not take any action to move my funds to my externally linked checking accounts even though it is linked through the Capital One app. 

After leaving voicemails to their consumer protection department on the XXXX and the XXXX of XXXX, and receiving no reply on XXXX  XX/XX/XXXX I finally managed to call and reach their customer service and was able to connect to the consumer protection team- I was notified that my account was closed even though the check was cashed and that they would be mailing the remaining funds in my account via check even though I explicitly requested the funds be transferred electronically to my external checking account linked to Capital One. 

The bank has now not only closed my accounts ( 2 savings, 1 checking ) on a false premise that the check would return, but has also kept the money from the check for over 8 days - when I have an immediate need for the use of the funds including the paying of a mortgage, utility bills, groceries amongst others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As dated, XX/XX/2023, Southwest Credit System has invasion my rights to privacy. I, XXXX XXXX, do not agree to contract, I do not give consent for such company to have my nonpublic personal information. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX  as the bank alleged, someone pretending to be me used my ATM card numbers and stole {$5400.00} from my checking account. I was hospitalized then ; I had no idea I was victimized. After realizing this crime, I discovered my phones and other credit instruments were compromised. I can cite Chase Bank ; they claimed that they did not know how the theft occurred on Saturday, XX/XX/XXXX, and again on Sunday, XX/XX/2023, and that they could not freeze or stop the ATM card. I was aghas and wholly devasted. I immediately went into the bank and spoke with my banker, XXXX, at the XXXX XXXX XXXX ; he told me they were not honest with me and that the theft resulted from skimming or ACH fraud. While I was with the Branch Manager, XXXX and XXXX finalized another account. The disputes department was speaking with a fraudster. I have a rare illness I pay for my co-pays. I moved to this bank and deposited {$50000.00}, and because of my race, I have discovered, as with all big banks XXXX depositors are victimized, and their money is skimmed off and never returned. This is systemic and deliberate. I will never do business with any large bank again. XXXX is a business in America. I never authorized any withdrawals from my account and if someone took my money it was due to fraud this bank is rude and XXXX They promise to return money stolen by fraud to everyone except XXXX XXXX women.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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 is missing that should be on the report

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-07-09
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
XXXX refuses to delete an inaccurate account from my credit report. They have fraudulently verified the account as accurate with LexisNexis. I immediately called LexisNexis and shared this information, and LexisNexis said that was not possible for them to verify this bankruptcy with them because there are no bankruptcies reporting on my file. The date of this incident was XX/XX/2021, first dispute in question. I called XXXX and immediately opened another dispute into this bankruptcy. Ultimately, XXXX emailed me again yesterday XXXX XX/XX/2021 ) saying that this account has been verified by LexisNexis. I am pretty sure that LexisNexis isn't the culprit here, since all the other credit reporting agencies have properly updated my reports. I just wanted it to be on record that XXXX is still fraudulently saying that they have verified this account with LexisNexis. I will seek legal counsel in this matter since the CFPB has no enforcement arm to make sure that XXXX abides by the FCRA and the laws. It has been nearly 60 days since I disputed this bankruptcy in XXXX and XXXX has been viciously fighting to keep this inaccurate account on my credit report. More importantly, XXXX  is not conducting a proper investigation into the matter. If they did, this matter would have been resolved with my XXXX dispute.

Company response to consumer: Closed with explanation