BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 USC 1681 Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2022-07-25
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.

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: EQUIFAX, INC.
State: TN
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortgage has ruined my life! After my husband died, I was in a terrible financial situation and tried for almost two years to get my loan modified. I did everything they asked, sent in all the forms, many, many times. Every time I called ( when I would actually get to speak to a live person, which was very seldom, same response. It 's in process, no problem, or we need certain documents ( which I have record of sending time and time again ). Each tie they would tell me not to worry, there was no threat of foreclosure! Well of course I was served foreclosure papers. I had to file Chapter XXXX at the last minute to save my home which is the last thing I wanted to do since I have no other debt!!! Even my attorney has called them and no response!!! I am so close to just giving up, which is probably what they want me to o! They have attached outrageous charges to my balance, totally unbelievable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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:
PenFed ( Pentagon Federal Credit Union ) has added a 120 days late account to my credit report for an account that I do not even own. Here are the details : reported date : XX/XX/21 account number : XXXX amount delinquent : XXXX payment status : late 120 days I previously reported some fraudulent credit reporting by penfed for payments that I had in fact made and they processed however nothing was done about it. This further highlights their inability to accurately manage their business.

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 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I deposited a check total {$800.00} to a Bank of America atm. The check was placed on hold and no funds were made available to me. On receipt stated check would be available in 7 business days. Bank of America didnt cash check in fact mailed it back to me because I called them informing them of an incident which required for them to mail it back to me. Matter was resolved on XXXX XXXX, 2022. Bank of America has randomly posted this transaction about 4 times onto my account deducting funds totaling amount they deducted from my account after matter being resolved {$3200.00}. On XX/XX/2022 I wrote a check no XXXX to XXXX XXXX for {$80.00} for auto insurance. I had enough funds to cover this check but instead check was not paid to merchant and my Bank of America checking ma account was at a negative balance of - {$6400.00}. On my Bank of America app transactions are made available for viewing on website they arent posted. Im missing funds from my account and my account is also at a negative balance because of banking 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 explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, 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:
TransUnion report XXXX Inquiry : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan XXXX Report FACTUAL DATA XX/XX/XXXX Same thing from the transunion report for the home loan did not authorize for a hard pull XXXX Same thing from the transunion report for the home loan did not authorize for a hard pull

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 2021-06-22
Company: EQUIFAX, INC.
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:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I had purchased a money order from the XXXX PNC branch on XX/XX/2016, and made the check payable to my niece, XXXX XXXX XXXX, who lives in XXXX XXXX. I had issued the check to her, and she lost the check. She recently found the check, but was unable to cash the check because it had been escheated to the state of Ohio. 

My niece mailed the check back to me, and I was told that the check had not been escheated because it was a money order and attempted to cash the check. The check was denied. I have started the unclaimed funds process through Ohio, and they need proof that I originated the check. Since this is from 2016, I do not have a copy of the purchase receipt. I am asking for documentation from PNC to show the state of unclaimed funds in Ohio that I was the originator of the check, and should have the authority to claim those funds in full. They advised they need something from PNC showing that I was the originator of the funds. 

PNC bank has not been able to obtain this for me and advised I should attempt to file a complaint with the CFPB to see if this can be researched further. I need documentation showing that I originated the check. A money order receipt showing the name of who originated the check. A banking statement, although it has just been past 7 years. There has to be some form of microfiche records showing that I originated the check. 

My son-in-law has full authorization to speak to anybody at PNC. His phone number is XXXX. My phone number is XXXX. My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2020-02-13
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Son is a XXXX XXXX but I am XXXX service connected vet, these guys call are very threatening, saying I have no way out if this, speaking like the mobsters Payments that fit my budget is refused When ask them to put any offer in writing they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
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:
Several inaccurate information on my credit reports. I have sent out letters to all 3 credit agencies pointing out the inaccuracies, theyve vaguely sent back an automated template stating items verified without any explanations on how they verified those items or how their investigation was conducted. Even my personal identification items are still incorrect despite sending in my drivers license which has my correct information. Several accounts are not mine which i sent letters and thry never fixed thd issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I modified my mortage with XXXX in mid 2014. As part of the modification, they forgave all unpaid escrows, past due interest, protective advances, etc. and I was only to repay the remaining principal balance over the remaining XXXX years from the original mortgage at a modified interest rate. Shortly after close, XXXX sold the loan to Nationstar mortgage. Nationstar mortgage is now demanding repayment of delinquent tax and insurance escrows which were already forgiven as part of the loan modification. I have spent over XXXX hours on the phone with them and they always seem to " drop '' the call when I prove my case. On Monday, they agreed to amortize the escrows over a XXXX period but then subsequently came back reducing the period to XXXX. On top of this, they are charging me a {$290.00} late fee which is only due to us not being able to figure out how much I owe them monthly with the {$300.00} increase in impounds ( which is not owed to them per my loan modification ). This is bullying and they know most home owners do n't have the time or resources to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After XXXX XXXX XXXX transferred my loan to NationStar Mortgage, which by the way I had no say, nor I agreed to have my loan transferred, NationStar Mortgage is charging me a {$10.00} processing fee for making my payment on line after the XXXX of XXXX, which was a Sunday, so I made the payment on the XXXX of XXXX, I called Nationstar Mortage to ask about the " processing '' fee, and for what, since no one else charges a processing fee when a payment is made on line, I was told that is because they have to process that payment through a third party, to what I replied, that if they are not well equipped and do n't have the systems to process payments, then they should not be in the " mortgage '' business, because not only that fee was NOT properly disclosed on my statement, nor it was disclosed anywhere on the initial letter I received once they took over my mortgage, I requested a fee schedule showing and disclosing the fee and the description, and I was told that they do n't give that to anyone, as they do n't have access to that information, because that is their third party processor. If Nationstar Mortgage is NOT a bank, what are they?. If Nationstar does have the systems to properly withdraw money from my bank for my mortgage, then they should not be in the mortgage business. XX/XX/XXXX was the first month I had to make a payment, and that was another phone call, because the information I was supposed to get, I did not received, because they were late in sending me the statement, so I have to pay for their mediocrity and inefficient way of running their business. I want a schedule fee and I want full disclosure of why I am responsible for them using a third party service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
They using my personal information which I was co signer on that Account and the party filled bankruptcy and I was release from all obligations on that loan inquiry and account still showing my credit 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 2015-06-18
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Nationstar has failed to process my client 's loan modification application in a manner consistent with industry standards. They failed process my 3rd party authorization ; Nationstar sent notifications to borrower and did not to communicate with my office about any application deficiency. Emails and faxes were not responded to and phone were rotated through a series of prompts requesting either loan number or social security number in full SEVERAL times until the call was terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was denied a personal loan from Citi bank though I have been a customer since 2018 have a credit card and bank account with them. I requested a loan for XXXX to pay off my credit card debt, for a total of 24 months at a payment of XXXX a month, which would lower the amount of money I pay each month to service this debt. I was denied the loan even though I have a pervious history with this bank and they can clearly see that I have enough in deposits per month to pay the loan requested, they also know who much money I spend on servicing my cc debts as I use that bank account to make payment on the other cards. I also would like to make mention that the bank used my personal XXXX  account in assessing my credit risk ; I know this because the bank was revealed as one of my searchers with someone from the list of searchers working in risk management. I do not understand how XXXX  is a credible source to evaluate my credit worthiness, or how looking at my profile helps them without unduly biasing the person who is doing the risk assessment.

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 2020-02-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received your verification of the debt that I owe. Based on the documents you provided for verification I am in debt for the amount of the reletting fee of {$460.00} The amount for rent in XXXX of {$430.00} is not valid since I moved out in the second week of XXXX and I provided verbal and written notice of when I would be moving out. There is also a cleaning/maintenance charge of {$390.00} that was not verified. The apartment was left the way it was when I first moved in and there was no mess or personal items left behind. 

At this time the only amount I am obligated to pay back is the reletting fee and that is the only amount you are legally able to collect for. 

Based on the amount they initially alleged I owed of {$1000.00}, minus the {$430.00} and minus the XXXX the only amount I owed to you is {$190.00} Please update your account and mail the updated documents to reflect the actual amount you verified that I owe. If you disagree please send me verification of the other alleged debts including the contract indicating I owe rent after I have left and that I owed cleaning/maintenance after I have left. I also require receipts and invoices of any cleaning or maintenance done if it is verified that I owe this amount. 

Once I receive the updated information on my account I will promptly make the payment online. Again, the only amount verified with the documents you provided is for {$190.00}

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 explanation