BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-12
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a trial plan offer for the XXXX Modification back in XXXX. I completed the required 3 months and am still submitting payments. My dedicated specialist had advised me that the XXXX had been approved and that my final payment would remain the same as my trial {$620.00}. I received an offer through the mail for a XXXX XXXX standard modification agreement, the offer in tails different terms than what I was told over the phone. I spoke to my dedicated loan specialist XXXX XXXX and he specified that the XXXX modification was present in their system. When I contacted Nationstar today, I was told that XXXX XXXX was my dedicated specialist, he was not available to speak so I spoke to someone else, XXXX. I was advised that the XXXX offer was not in their system. I am seeking clarity and hoping to receive the XXXX offer I was advised I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: FinCo Services Inc DBA Current
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had the last four if my paychecks stolen right out of my account my credit card company payments have gotten sent back to me going against my credot in ehich i am trying very hard to fix also am losing everything in my storage and possibky geetting evicted from my apartment due to someone or bank error not sure which one and the worst if it u cant even call or get a hold of anyine at current to let them know what is going on .Iam so devestated by these thefts and im atill fetting no where with current bank i cant beleave what a crock of shit of customer service they have unbeleavable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account has been paid off and its still reporting on my credit. I spoke with the creditor and they said that it would be removed from my report and its still reporting on my credit.

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: DC
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 reached out to XXXX XXXX, Account # XXXX {$4000.00} at ( XXXX ) XXXX To verify the account and spoke to the representative XXXX ID XXXX and was told by her they don't have this account under my name and nothing showing in the system. 
This account is closet with amount that preventing me from my right of purchasing my home for my family its creating a problem for me I don't understand if they don't have this account under my name why they reported to the credit bureau it giving me bad credit and it against the laws. I need this account to be deleted all the credit report bureaus.

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 2022-05-03
Company: EQUIFAX, INC.
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:
XXXX  card services acc XXXX this account do not belong to me XXXX XXXX XXXX  Acc XXXX this acc do not belong to me. 

XXXX  card services acc XXXX this acc do not belong to me XXXX  XXXX acc XXXX this acc do not belong tome

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023, I contacted Bank of America ( BOA ) to make a payment on my credit card account ending in XXXX in the amount of {$970.00}. I immediately realized the amount was taken out twice ( as I also had my online account opened ) while speaking to the representative. I immediately brought this to his attention and he apologized and informed me that he completed the required forms and the extra {$970.00} payment would return to checking account in 4 days. I called back on XX/XX/XXXX to enquire why it was taking so long and was told it would take 10 days. The following week I went into BOA ( XXXX XXXX ) to open an IRA and also brought it to the attention of the Financial Consultant at that location close to XXXX XXXX XXXX. He did Not understand why it was taking so long but told me to give it a week. I called after a week and initially locked all my cards. ( I realized instead of returning my monies BOA was immediately deducting the amount from {$970.00} each time the card was used, so I stopped using all BOA and locked them. ) I called again the following week and requested to cancel all my credit cards and have the surplus returned to my checking account ( which is also held with BOA ). I was transferred to various departments and was informed that a check would be mailed out to me as they could not transfer it to my checking. BOA at that point fabricated a story that my credit card was fraudulently accessed and I was locked out of my online accounts for a week. On XX/XX/XXXX I went on vacation to XXXX for over 2 weeks thinking it should be returned to my checking account by the time I return to the UShowever, to no avail. On XX/XX/XXXX, I went into my local BOA and made a complaint to XXXX XXXX XXXX, Financial Consultant. He contacted the credit card division and they stated it would be returned to my checking account within 10 days. Ive heard that numerous times before and it still hasnt been returned to my checking account. I think this is very unethical behavior ; a blatant disregard for my rights as a consumer and an abuse of power. Thank you very much for your assistance in this matter. Greatly appreciated!!

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've sent in request to have this account XXXX XXXX Master Card, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX  XXXX XXXX Balance Owed : {$1000.00}

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 non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 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 2023-06-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am deeply dissatisfied with my experience at Truist Bank. Despite having an account with them, I never received a card to access my account, and they charged me fees which were later waived. 

On XX/XX/2023, at XXXXXXXX XXXX, I visited the branch to deposit a check in the amount of {$340.00} to my account. The bank teller deposited the check without informing me that there would be a 10-business day hold on the funds, preventing me from accessing any of my money. 

To exacerbate matters, the branch manager has been unresponsive and provided me with misleading information. The bank 's policy, which was supposed to be explained by the teller and highlighted on the receipt, was not adequately communicated. 

Moreover, Truist Bank is currently unwilling to release any portion of the funds or allow me to stop payment or return the check. This has placed me in a difficult financial situation, and their lack of cooperation and unavailability since the incident is deeply concerning. 

Bank location 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 explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Please help me XXXX XXXX  card closed out my account back on XXXX XXXX and equifax closed my account and my score dropped like 60 points .... Equifax closed the account again on XX/XX/2021 causing my score to drop again 85 more points.. These closed the premier bank card again.. This is unfair and has dropped my credit score 85 more points. I am trying so hard to rebuild my credit so that we can refinance our home and equifax is being unfair in their investigation into this matter.. Please help me remove this error from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX. contacted right as the Citibank debt had come off my credit report. As an honest person and gullible as well, XXXX did a bad thing to me. They threatened me with legal action and then settled with me from {$3900.00} to {$1900.00} and XXXX payments of {$25.00} dollars. I made my payment every month and then they disappeared and then XXXX XXXX took over and the agreement that I have in writing was stated null and void. Is this not illegal?

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 2015-10-08
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to get our home out of foreclosure, and it feels as though every step we take to accomplish this, the company forces us two steps back. We begin by discussing with our company, Nationstar Morgtage, that we would be going through a financial situation, making it difficult to make the full payment each month. We asked to make half, and were told that the best way to handle a situation like ours was to let it default. We did that, and also began the hardship process with the company. I sent information in, and consistently was asked for more information pertaining to our account. I understand the need for the company to be well informed on our situation, but in five months time, the hardship still was not processed, and they asked for more information, some of which was already provided. At this point, we were five months behind on our payments. We then decided to borrow money, just to get it out of foreclosure. I spoke with a representative in XX/XX/XXXX, and was told to pay a certain amount by XX/XX/XXXX. I mailed the payment on XX/XX/XXXX, and called on XX/XX/XXXX to confirm that they had received it. I was told that due to my payment being received two days late ( XX/XX/XXXX ), even though it was postmarked for XX/XX/XXXX, that I would have to pay an additional XXXX in attorney fees, just to get it back out of foreclosure. It feels as though Nationstar has done its best to do everything they can to make us lose our home. Prior to this financial hardship, we have never been late on a payment. We fully plan on refinancing after we can clear our account, and never plan to work with Nationstar again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX NEVADA XXXX ) XXXX Balance Owed XXXX {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: MD
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:
Equifax is reporting a bankruptcy on my credit file from XXXX XXXX. XXXX XXXX is fraudulently reporting information as factual but they have stated that their company couldn't identify me. The information is suppose to be accurate if the company has chosen to give false information that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I receive XXXX from Social Security for XXXX. SSA assigned me to the XXXX Wednesday of the month, making me late on my mortgage payment all but 2 months of the year. I have called the Social Security Administration and they refuse to change it. Nationstar, my mortgagor refuses to help me. I am fined {$22.00}. extra each month because the payment is late. After I pay my bills, I have {$140.00} leftover. I can not afford late payment fees because of SSA assigning me to a week of the month that makes me pay my bills late. All other creditors understand and do not charge a late fee. Just Nationstar.

Company response to consumer: Closed
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC ( a ) ( I ) 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 2023-08-01
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The GA HAF program made a payment to Ameris DMI on XX/XX/XXXX to reinstate my mortgage and give me three months of advanced payments. Ameris DMI processed the payment on XX/XX/XXXX. Ameris has my next payment date set for XX/XX/XXXX. When I log into my account online the next payment date and amount appears to be correct but I don't have the option to make a payment. Also I don't see all statements from XXXX to XXXX it looks like they have been deleted some statements from my account. I called and emailed Ameris DMI about the not being able to make a payment online. Over the phone I was told that my account is still in loss mitigation even after they processed payment to reinstate the mortgage on XX/XX/XXXX. On previous phone conversation they told me after reinstatement payment I would be released from loss mitigation and my account would return to normal. Via email I was told there is no problem with my account and to send a screen shot of the issue. I sent the reply email with screen shot but I did not get a reply back. My payment is approaching and I am tired of having all these account issues with Ameris DMI. My Account is paid current and should be in a normal state I should be able to make payments online. Please see Attached documents for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom this may concern I am tired of the debt on my credit profile ESPECIALLY since this debt is not mine. Ive been trying to deal with this debt for over 2 years now its becoming a problem. I noticed this debt around XX/XX/ and I took action immediately. Ive asked this company to show me proof of this debt and they did not follow through. This debt does not belong to me and I need this deleted ASAP! I also want the original contract and a copy of my wet signature. If this does not get deleted I will take legal action. I never had sprint and you have to 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 explanation