BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX CO XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: Remitly, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Remitly to transfer money from US to XXXX and they promised to transfer within 4 hours and charged {$3.00} transaction fees. My USA account was debited immediately, but even after 10 days my recipient did not get the money. I called them 5 times ( 3 times by chat and 2 times by phone ) to get a Proof of Delivery and still did not receive it. 

Details below : Transfer No. : XXXX XXXX XXXX XXXX DELIVERED XXXX We have confirmed funds were deposited to your recipient 's XXXX XXXX XXXXXXXX account. Your transaction is complete and we hope to see you again. 

ARRIVAL TIME XX/XX/2021 XXXX XXXX PST ( XX/XX/2021 XXXX XXXX IST ) TRACK YOUR TRANSFER Your debit card Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX PST

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$1400.00} was taken out of my Bank of America Acct on XX/XX/2018 from XXXX XXXX. The company contacted me and told me that my furniture was discontinued and offered me to order different furniture which I did this furniture was cheaper therefore i was suppose to be refunded the difference with in 3-5 business days and was scheduled to receive my furniture in 3 weeks I never receive a refund the company is closed and never delivered my furniture I filed a complaint with Bank of America on XX/XX/2018 and waited 90 days still no resolve the Bank shows they investigated on XX/XX/2018 and I had 45 more days to wait. Still no resolve Ive contacted the bank and I still have not receive my funds returned to my Acct. I paid using my Credit card/debit card connected to my checking Acct as a credit Ive been more than patient Ive  submitted receipts and if you go online it shows the company is closed. I would like my money back.

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 monetary relief
Consumer complaint received 2017-09-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, I entered into a Short Sale with Nationstar. The home was listed at XXXX however, my realtor secured a all cash buyer on XX/XX/XXXX for XXXX. 
Nationstar drugged their feet in a effort to punish me because of my earlier legal actions against them which resulted in a reversal of their foreclosure. Nevertheless, 5 months later Nationstar began requesting updated information and the buyer went a extended vacation overseas, and was unable to be reached to provide updated bank statements to Nationstar. This situation was explained to Nationstar who was in possession of XXXX XXXX dollars verified funds. My realtor requested a postponement for the upcoming foreclosure sale, which Nationstar granted, however, they still proceeded with the foreclosure sale and asked that we disregard the previous message " sorry ''. I also recieved a Notice of a Foreclosure Sale which was not for my property nor was the Notice in my name. No one bidded at the foreclosure sale and Nationstar took it back for the original price of $ XXXX. I feel this was a effort by the foreclosure company and Nationstar to further confuse me. Nationstar has not re-listed the property for sale, however, they have changed the locks so I can not gain acessess to the home where I have at least XXXX worth of my belongings there. 
Nationstar nor their agent ( who does not have a listing agreement ) have possession of the property. California law regarding possession is quite clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. XXXX XXXX XXXX - Over 5 Year working on my case trying to modify. Ended my wife in bankruptcy in XX/XX/XXXX, but nothing else happened. 

2. Changed Attorney - Tried to talk with the bank again, but I also ended doing bankruptcy in XX/XX/XXXX. 

3. An attorney contact me that he can try to help me even when I already did my bankruptcy and started a new modification on XX/XX/XXXX, but it was denied. Ended up in a foreclosure date XX/XX/XXXX, and my attorney recommend another bankruptcy to stop the sale, and force the bank to do a modification thru the court trustee. I paid for several months to show them I 'm serious about the modification. 
On XXXX we had a telephone mediation with my attorney, the mediator and the bank representatives. Ended in a denial of the modification again, and told us, the investors do n't accept modifications, nor short sale, just foreclosure. 

4. A sale date has been set for XX/XX/XXXX. Last chance I have to save my home. 

The reason I 'm behind, is because I do n't have the same revenue and my wife got XXXX. 

Thanks for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BANKMOBILE TECHNOLOGIES, INC
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a series of disputes on file with XXXX XXXX XXXX Bank. My bank account was drained into the negative by fraud. I have sent messages, called, cried, begged, nothing works. Because XXXX XXXX XXXX does not have a setting for fraud on their reasons to dispute, they ae telling me that they will be keeping my money for a period of time, 45-180 days to investigate. I am completely broke, homeless and starving due to this fraud. I no longer have a job, I have no funds to make it to interview appointments, I have no car to get around I have no home to speak of which is getting to be too much for my son, who injured himself at work and still needs physical therapy, and his cat. I am the victim of wire fraud. My account has been drained and all they say at the bank is sorry, you have to wait,

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 2023-06-09
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2017-09-18
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Nationstar, I fell behind because my husband was injured at work and was out on XXXX. I tried to make a payment to pay the mortgage current with the full amount past due, I was told I needed to pay attorney fees as well, they made me wait a week to get the payment meanwhile everyday the amount goes up. I finally get the payment they want which is XXXX dollars more then what my actual past due balance is, then they tell me i can apply for a modification, I applied and sent in everything they asked for, it took 2 weeks to hear back ( still accruing more fees ) finally I get a rejection on their website ( that I checked every single day ) and no explanation as to why. So now I am stuck having to find things to sell just to get this extra XXXX dollars in attorney fees to pay them current so they will accept the payment. I feel like it is set up so companies can take advantage of people already struggling. It should not be allowed for them to be able to reject a payment that does not include fees that the company opts to incur. I did not ask them to get an attorney I have been trying to catch the mortgage up, the attorney benefits them not me, why should I have to pay for it. I just want to pay them what I owe them and they reject it. 
Unfair to the consumer. 
Inconsiderate to people who are stuck in a temporary situation. 
Nationstar mortgage AKA Mr.Cooper only has one goal and that is to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: American Credit Acceptance, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Credit Acceptan. 

As well as XXXX XXXXXXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: Experian Information Solutions Inc.
State: NJ
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called your department after I purchased a credit report with XXXX dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THIS FRAUDULENT ITEM : 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 2021-11-24
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: NC
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 contacted Experian and requested that Experian conduct an independent investigation into the accuracy of several accounts that were being reported on my consumer report. Per USPS certified mail, Experian received my request on XX/XX/2022. After Experian completed their investigation, I received an updated consumer report, and the FCRA required notice of dispute was missing. It is my understanding of the FCRA that the CRA must notate previously disputed accounts with a notice of dispute on all future consumer reports. I contacted Experian again to notify them of the missing notice of dispute. Experian received my second correspondence on via USPS certified mail on XX/XX/2022. I informed Experian that there were accounts missing the FCRA required notice of dispute and requested that Experian delete these accounts due to being in violation of the FCRA. I attached past and current consumer reports to show the violation. After Experian completed their investigation, I received an updated consumer report, only one account was deleted XXXX XXXX XXXX XXXX XXXX ; however, the notice of dispute was still missing on the other accounts, and my original concern was never addressed. In addition, Experian ignored my request of the reinvestigation of the account XXXX XXXX XXXX ( no account number listed on my credit report ). The law states that after the CRA is notified by the consumer of the inaccurate account, the CRA must : " ( i ) modify that item of information ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information, '' and Experian has failed to be compliant. 

The accounts in question : 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 2020-05-23
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to dispute accounts with XXXX  ( XXXX XXXX XXXX XXXX ) and I have not been successful in deleting accounts and XXXX  is no compliant with FCRA 605B. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove these specific wrong accounts.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: NY
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 account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I har 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.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 purchased this car in XXXX. I was in a severe accident shortly after. Insurance paid majority of the balance. I attempted to settle with the company and make payments for the difference. They were not transparent in how to do this, I got different amounts from different people. It was all very shady. In XXXX, they offered me a settlement amount. Their email went to the junk folder and I was never mailed a paper version or contacted. I was under the impression everything was okay. I responded back to this email in XX/XX/XXXX when I saw it and heard nothing. They had not been reporting negative payments to the credit bureaus so I truly did not know anything was wrong. I later was informed the balance was not settled and was showing as a charge off. I contacted them to settle the debt. I settled the debt last month and they reported XXXX months of late payments. I would have paid this a lot sooner and not allowed damage to my credit if they had been reporting accurately. I have attempted to call in. The agents are INCREDIBLY rude. They interject, dont listen. Im not permitted to speak to their reporting department and advised Ill be sent a letter. Its been a horrible consumer experience and they ruined my credit when I was making true efforts to pay them. It is very unethical to not report accurate and timely data to the credit bureaus. I have provided them payment and closed the account. My only goal is to have the derogatory remarks removed.

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 2019-03-22
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a Macys XXXX XXXX card through Department Store National Bank. First problem, this is NOT a REAL XXXX XXXX card, and this nebulous bank name is impossible to find a " real '' point of contact. I have had 3 incidents with this bank. 

# 1 I phoned Macys and got the payoff balance for my credit card. I paid it off over the phone and stopped using the card. I was in the process of purchasing a home. There was an outstanding balance of {$2.00} cents that was not paid off ( unknown to me ). It accused months of late charges, and when it came time to get my mortgage, I was denied because of this credit card late charges. Which, because I normally bank online, thought was PAID OFF months ago. Despite 12 phone calls to Macys Customer Services begging and pleading, they would not change the report to the credit bureaus and I lost the house I was trying to purchase and had to wait 6 months to clear up the credit report. 

# 2 I purchased 2 coats online with what I thought was my only macys  charge, my Macys XXXX XXXX card. Week later, returned both cards to store with receipt. when I got my statement there was a XXXX balance, as expected. Two months later, I get a late bill because the cashier returned the coat to my inshore card!!! Which I did not know I had. I was charged late fees, etc ... .Ended up paying in the end! 

# 3 In XXXX my bank gave me a HELOC to pay off my credit cards. They paid with a cashiers check mailed to Macys. It has been 3 months now, and my card still had not been credited for the payoff. I have phoned them 16 times now, and they keep telling me they will research it, but nothing is done. I now owe XXXXXXXX XXXX {$800.00} and Macys {$800.00}. Neither bank will do anything! Criminal

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