BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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. 
ALASKA CHILD SUPPORT SER account # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX account # XXXX XX/XX/XXXX XXXX XXXX  account # 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 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2023-10-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a savings account with Breadsavings for at least a year and then I recently opened up a second account and made a funding of {$1200.00} and then an add'l {$100.00}. I did an external transfer through Bread Savings website for approximately $ XXXX in early XXXX. I recall seeing the funds in my 1st Bread account totaling {$20000.00} on XX/XX/XXXX but with that I saw my account was frozen. I contacted them and was told that I needed to send my statement proving the money came from my personal account. 
At that point, I realize that Breadsavings is not the financial institution for me. In the past, I have opened up an account and tried to do an external transfer of funds into that account but the bank immediately requested the copy of my statement of where the money was coming from before it hit my account. Bread Savings decided to wait until my money was in the account and then decided to freeze it and request my statement. Although I submitted my statement on XX/XX/XXXX, the freeze is still sitting on my account. I was told it would take approximately 3 to 5 days to remove that freeze which has come and gone. I would like to have access to my money so I can withdraw it out of Bread Savings. They are now ignoring me so I am asking for your help to get my money back. I earn every XXXX I have, I do not owe anyone except for a mortgage, I have an XXXX credit score, I purchased a car under a 5 year loan and next month will be my last payment at a 2 years and 8 month payoff. This is the person I am and I am truly upset that a bank feels it's okay to keep the money that I earned and treat me like I need to be under investigation. Please do not allow banks to keep a freeze on consumers accounts when it clearly shows the money came from the consumer account. This should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: U.S. BANCORP
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recently opened a checking account with US Bank. They chose to put a check on hold for over XXXX business days. 
I requested them to void that transaction so I could just go to the bank and pull the funds myself in cash from the place the check originated. 
They said this was impossible, I then moved all the funds from that account and attempted to close the account, but they said I couldn't due to pending transactions. 
Attached is a screenshots showing no pending transactions. 
They are going against my rights as a consumer by refusing to close the account. 
I also requested a supervisor XXXX different times, each time all supervisors were in meetings, and 'would call me back ', which also never happened.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Didnt freeze or lock my credit report when asked for identity theft. Also put background information on it

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 2023-03-30
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my joint account with Santander Consumer USA in full on XX/XX/XXXX. On all 3 of my credit reports its showing a balance of {$3400.00}, also on my credit reports they are also showing different different dates ( XXXX ) late payment. It should be showing XXXX late payment in XXXX of XXXX, which it does on XXXX credit report and the other XXXX its showing XX/XX/XXXX. This company has been difficult to deal with from day XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I received an offer from Marcus Bank ( goldman sachs ) for a {$100.00} bonus if I activated the offer on my existing account and deposited at least {$10000.00}. I completed these activities. Today, XX/XX/XXXX, Marcus emailed me " your account is no longer eligible '' for the bonus without any reason. I met their requirements and they can not just revoke the offer once it has been accepted without due cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am not sure if my last request went through.I have been trying to get a loan modification from XXXX, Nationstar and now MR.Cooper. 
Was approved for a loan modification with XXXX but before I was granted a trial modification I was transferred to Nationstar. My hardship is a divorce after XXXX years of marriage.I have been trying to get a loan modification and I have tried at least 5 times. 
I have been at my job for over 25 years and I want to be able to stay in my home that my XXXX children live in and myself. 
My latest modification request came back as denied for '' Insufficient Monthly Payment Reduction. " -And I was told there are no other options for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
began receiving calls from this collect company making threats and verbal abuse, very nasty and aggressive. Radiusglobal is very rude and keeps making threats

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 2023-09-18
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XX/XX/2023 my mortgage payment increased. I called to see why this happened and was told there was an escrow shortage and that once the shortage is paid off it would last no less than to the end of the year. I told them I did not want my payment to go up, I would just pay the shortage. They told me that my payment would still go up even if I paid the shortage because they need a " cushion ''. I didn't like it but what was I to do... They bought my loan, and I can not refinance to go to another company because the interest rate would go up 5 % higher than what I have now. 

Now it is 6 months later, and they are raising my payment again stating cushion and escrow shortage .... So, I was lied to in XXXX. How can my mortgage payment increase twice in 6 months!!!! 

They have nothing but excuses. I asked for an audit of my account, and they refused, I asked for a detailed statement of how it goes up twice in a year they refuse... If I could move companies I would, but I cant!! Something is not on the up and up!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have continually had AR Resources list medical bills that are paid by my XXXX. I have no copay after medicare. I had two XXXX XXXX plans at the time, they have only billed one. 

XX/XX/XXXX Talked to XXXX - then called medical provider. Medical provider had to call XXXX and get collections removed. 

XX/XX/XXXX Call out to AR Resources - spoke with XXXX - talked to a supervisor, he said only one insurance was billed. He said they would remove from credit and would put note on my account so it wouldn't happen again. His supervisor did verify all the information.. 

XX/XX/XXXX Call to AR Resources XXXX XXXX - said he saw the issue and would get a supervisor. Phone disconnected I called back several times, last time left a message and no response. 

I did contact medical provider, they said it should not be happening. AR Resources has the information for billing. XXXX said it looks like its an issue with AR handling the billing. They put another note on my file. 

I was in the middle of buying a house and have had to call every month. This is a major inconvenience for me and affected me buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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, XXXX XXXX XXXX XXXX Account # 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 that 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 2023-09-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$24000.00}

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
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-01-06
Company: Experian Information Solutions Inc.
State: MO
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:
I have contacted Experian by phone & letter regarding a XXXX XXXX  account that is reporting inaccurate on my credit report but have received no response.

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 2018-01-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Bankruptcy was discharged XX/XX/XXXX, and this mortgage ( primary residence ) which was including in the bankruptcy. Upon being dishcarged ( after 5 yr./60 months ) NationStar demanded {$17000.00} in payment ( see attached ). This was because the loan was an interest only loan & because of the bankruptcy they were not able to adjust or increase our payments. NationStar granted us a loan modification which included the outstanding payments they were unable to charge us during the bankruptcy. I have included a recent mortgage statement which does not show any payment past due. I have also included dates & payments made doing the bankruptcy. I am asking for the negative comment on XXXX under payment status, which reads " At least 120 days or more than 4 payments pas due '' to be removed ( see attached ). I would also like the removal of the past due amount of {$16000.00} from the report because that was satisfied in the loan modification. In addition to this, the mortgage payments are {$1300.00} but the credit report is showing {$1400.00} ( see attached ). Monthly payment will change to {$1300.00} starting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently received a surplus check from Mr. Cooper in the amount of XXXX due to an escrow analysis completed on XXXX/XXXX/XXXX. The analysis to did not make sense to me so I went on their website and it now said I had a shortage. I called the company and they told me that an error had been made and they had put a stop payment on the check. When I asked how this happened the representative said they did not know. They also said I was probably sent an email. They did not notify me or send me a notice of the error via email or phone. I have however received offers to refinance almost daily! I have also sent a company this information via their website. I am now have serious questions on the legitimate calculations and processing of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Northern Trust Company, The
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Northern Trust Bank incorrectly desposited a trust into my XXXX IRA and is unwilling to help remedy the problem. 

Approximately 1 year ago ( XX/XX/XXXX ), I received shares from a XXXX in the amount of approximately {$500000.00}. I was contacted by Northern Trust Bank ( NTB ) to process the transfer. I was asked if I had an account elsewhere without specification for type. I provided the account number for a XXXX XXXX Account- which was a XXXX IRA. NTB then deposited the shares into that XXXX IRA. I had no knowledge that I needed to create a different account type or that something incorrect occurred. 

Fast forward to XX/XX/XXXX, I went into XXXX to begin the process to speak with a financial planner to start learning what to do with the funds. I was informed at that time that the money was incorrectly send to the XXXX IRA and it needed to be fixed. 

I contacted NTB to ask for support. Despite many attempts and many emails/calls to different people at NTB, they refused to help. In one email the response was, " Please work with your company to get this matter resolve as your mistake has nothing to do with Northern Trust ''. 
I disagree that it has nothing to do with NTB and that it was my mistake. NTB was a fiduciary advisor to the trusts and I believe, if they were working directly with me to make sure the funds were distributed correctly, which is their responsibility and for which they have expertise, they should have explained exactly which type of account I should open, they should have verified the account information to see that the one I provided was a XXXX and then provided instruction on next steps. If they would have directed me to open a brokerage account, I would have done so. 

XXXX have been going above and beyond to try to help remedy the situation. In an attempt to fix the error, XXXX attempted to return the funds to NTB to again receive them into the appropriate accounts. NTB declined some, but accepted some. Currently, there are approximately 600 shares in a " holding account '' that I can not access and that no one can seem to find, and the remainder are still in my XXXX IRA. 

I have spent countless hours on the phone with XXXX and XXXX ( where the holding account lives ) in an effort to get the approximately 600 shares back. I have been unsuccessful to date.

I would like to understand why NTB did not verify the account details to ensure the shares were going to an acceptable place, why they did not specify the account type needed, and why they are not willing to help remedy the situation when it was their fiduciary duty to ensure the funds were transferred correctly.

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 2019-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Refuse transfer money from CD account to CHKG account Mrs XXXX XXXX service client/.

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 2023-03-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: GA
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:
My information was compromised and used by a former roommate during a move back in 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