BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
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:
PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX my Sony XXXX XXXX switched from XXXX  XXXX to comenity as the card company. I have always had my card on autopay and upon the switch I dutifully set up autopay with the new company. The autopayment did not occur despite email confirmation that it was setup. I contacted comenity, the new company, as soon as I realized the issue. I was charged a late payment and interest. After confirming the error on their end they cancelled the late payment charge but never refunded my interest. Fast forward to XX/XX/XXXX when their website went down. I could not make a payment and was nervous because of the previous issue. I set up a payment in the alternative way they recommended but ultimately was charged twice. Fortunately I was able to get the overpayment back but ever since that time I have not received any reward points despite still using the card regularly and paying on time. The company says only that they will fix it soon but it has been 3 months + since I have received any rewards and the company will not give a date for when the reward points will be credited. Also after the web update all of my old secure messages about the issue became unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have sent disputes to the bureaus and have received no correspondence. I have serious inaccurate items on my file that need to be removed. I have sent letters and received no letters, no calls, and no results. Please fix the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, 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 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. 15 U.S.C 1681c. section ( a ) ( 5 ) Section States : 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 than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Acct # XXXX XXXX XXXX XXXX, acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage is impossible to get on the phone. They send me letters and ask me to call my loan specialist. I call and ca n't get thru. They ask me if I want them to call me back after keeping me on hold for a long time. I give them my number. When they call, this line instantly goes dead. They post that their customer service hours are XXXX to XXXX Mon thur either Thursday or Friday ( they have listed both versions in different letters and on their website. But when I call after XXXX XXXX, I get a recording that they are closed for the day. But it 's XXXX XXXX ... they are supposed to be open for another XXXX hours. Unless the central time they are talking about is in XXXX. I am behind on my mortgage and struggling to keep up, but when I have money to send them, why do they make it so XXXX hard to call and make a payment on the phone?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i am enrolled with XXXX  and have money saved to pay bills. My PNC bank will not let XXXX  through to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2015-03-31
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced ( closed ) my VA home loan on XXXX XXXX, 2015 with XXXX in good standing. XXXX became my new lien holder and funds were wired to XXXX on XXXX XXXX, 2015 from XXXX to XXXX. XXXX sent payoff to Nationstar Mortgage on XXXX XXXX, 2015 but transferred loan servicing to XXXX. I paid my XXXX bill to XXXX and then started receiving notices from Nationstar that my loan was past due. I 've attempted to contact all parties involved without success. My last request on the phone and written was to Nationstar asking them if payment has been applied to the loan and/or my unapplied balance - the answer is no. Neither has been responsive in the past 10 business days to my request. Since then I continue to receive threatening phone calls from Nationstar as well as foreclosure notices. Nationstar is also holding my escrow account which needs to be refunded to me. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Mr. Cooper Group 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:
XXXX Was investigated and went in my favor Mr Cooper updated credit report temporarily and later updated it as late again each time i dispute its not updated properly they fail to look at notes and mark it as late. Please assist with MR Cooper making this update to all 3 credit agencies as a permanent update as not late per their confirmation later attached in above case number that was closed last year after1st dispute were i involved consumer financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-06-22
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX my husband transferred money to my Venmo account because his instant transfer wasnt working. I tried withdrawing the money and it wouldnt allow me. I sent it to my son as well because I thought maybe it was just my computer. Then the money was transferred back to me. I tried to do the longer bank transfer and they informed me my account was frozen. There is {$1500.00} that they wont allow me to access. I contacted them through multiple ways explaining this is urgent because the money is needed to pay for medical expenses. No one seemed to care and said the money may be held for $ 180 days. I was told I would be contacted after I submitted my id. I did that and no one will respond to me. I have a family of XXXX  and {$1500.00} is an entire paycheck. I have read endless accounts of this company holding money or never giving it back at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: GA
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. 

XXXX XXXX XXXX XXXX. 

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.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My father passed away last summer and I have been trying to sell his house in a short sale because he was so upside down as he carried a mortgage with Nationstar and XXXX XXXX. His home was deeded to me - I live next door to him in a neighborhood where homes are being stripped and crime is high. We have a buyer for the home and she has been in active nego with Nationstar. The auction is set for tomorrow, XXXX XXXX and the realtor requested to push it out over 2 weeks ago. A broker from Nationstar did a walk through on XXXX the XXXX and now we learn that the house is going to auction???? what is up with this company? My father was XXXX years old when he died and somehow he was owing {$XXXX} on a home valued now at highest {$90000.00} - I really feel that he was taken advantage of and agreed to anything to keep his home or lower payments??? I do n't know?? I do know that if the bank owns the house and the renters move out that the house will be stripped and vagrants will move in and drugs etc. will happen right next door to me. I only wanted the chance to keep my family safe and my own property value up. There are so many houses in this neighborhood that have been abandoned. I have young grandchildren that I care for and the thought of them being subjected to the potential crime has created so much stress on my husband and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX Mailed a Debt Validation Letter to Waypoint Resource Group on XXXX XXXX These are the Individual action not taken! .Company did not comply within 5 days after speaking to me 2. I requested Validation and they did not provide 3.They have not ceased to collect on a debt that is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan was sold to Nationstar, they XXXX the mortgage, we filled out paperwork XXXX times for the HAMP, modification, all XXXX times they lost the paperwork, never returned calls, gave us the run around. We sent them payments, they sent them back, keeping the late fee, then later returning that as well. This all started XXXX XX/XX/XXXX, we now have a lawyer, and are being foreclosed upon XXXX/XXXX/XX/XX/XXXX. We tried to send them {$7000.00} in XXXX of XX/XX/XXXX, they said do n't bother. Currently our house is for sale, just went into a sale. Our credit is ruined and we are losing our home of XXXX years. Our credit was stellar and we had never missed a payment. We did pay late XXXX or XXXX but only a XXXX times. My husband and I both work 7 days a week, and pay all of our bills. We have never been through something like this, so stressful and so awful. We are leaving our home soon, and moving on. Nationstar has treated us like trash, never calling us back to try to resolve things. Losing all of our paperwork, returning our payments, and now foreclosing on our home. How can they get away with this? We never had a problem with our loan prior to them getting it. I read to the other stories from other people and it is the most terrible company to exist. Please stop them from taking people 's homes away, no one deserves to be treated like this. I have my child and my pets to care for and I have to move them as well, and it has been daunting. I have owned a home since I was in my XXXX 's, now in my XXXX 's, I will be starting over, thanks to Nationstar. Please, please, please help the people put a stop to this company and their heinous business tactics. I am in tears as I write this because I do n't know what I will do. We have had to had to hire an attorney to help us, and he has had several clients with the same problem/same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We signed a Home Affordable Modification Agreement with XXXX XXXX XXXX on XXXX XXXX, XXXX. The agreement included {$130000.00} in deferred principal, to be forgiven in XXXX installments - specifically on XXXX XXXX XXXX, XXXX and XXXX ( anniversary dates ). Each installment should have been for XXXX of the total, and we should have received a XXXX in XXXX, XXXX and XXXX for the corresponding amounts. 

The loan was subsequently transferred to Nationstar Mortgage on or about XXXX XXXX, XXXX. Nationstar failed to provide a XXXX for XXXX, and XXXX the amount of the deferred principal on the XXXX provided for tax year XXXX. This constitutes a breach of the agreement XXXX XXXX XXXX, page XXXX ). I have contacted Nationstar MULTIPLE times and their answer is that the XXXX XXXX reflects XXXX of the deferred principal balance. Whilst the figure is XXXX of the total - it was to be forgiven in XXXX portions in year XXXX, XXXX and XXXX. In XXXX, I am subject to taxes on principal reduction in the state of California, whereas I am not subject to taxes on that amount for XXXX. By providing ONLY the XXXX XXXX for XXXX the actual amount of principal reduction, I will be required to pay taxes on XXXX the agreed upon amount from the HAMP document. By lumping together the 2 years forgiveness in violation of the agreement, Nationstar has exposed me to additional tax liability in the state of California. I need either a corrected XXXX that ONLY reflects the XXXX forgiveness portion AS AGREED in the documentation or compensation for the additional California State Taxes I will be subjected to because of the breach of the HAMP agreement by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$24000.00}

Company response to consumer: Closed with non-monetary relief