BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a United States XXXX XXXX veteran who is facing a foreclosure sale date on my home on XX/XX/XXXX. I bought my house with a VA loan backed by the government and I know that there are programs and plans put in place to help homeowners in my situation ( lost my job ) but my lender Nationstar has not engaged in a fair negotiation and has not given me access to these programs. I have put myself into a better financial situation and have tried to get Nationstar to take another look at review for these programs but they are telling me it is too late and they are foreclosing on my home. I wanted to contact your agency to file a formal complaint. 

At the time of the purchase I had a good paying job working for the railroad, and moved into the home with my wife XXXX and our XXXX daughters. I had been moonlighting as a XXXX XXXX to supplement my income but was completely shocked when I lost my job and main source of income from the XXXX. I immediately ramped up the XXXX  business  and reached out to Nationstar to try and resolve this matter. After months of back and forth with paperwork, I was approved for a repayment plan with a monthly obligation of {$2700.00}. My original mortgage payment was approximately {$1300.00}, so this was more than double. In my situation I simply could not afford a double payment. I tried to apply again for a modification ( since I was not reviewed for that the first time ) and was told I was denied due to lack of income. This confused me -- how could I be approved for a repayment plan with a payment of {$2700.00} which would require substantial income and then be denied when applying for a modification which would hopefully put my payment closer to where it was before ( {$1300.00} ).  Obviously some type of error has been made on the Nationstar side. 

I have tried to resurrect my case with their agents but have run into brick walls and am now facing a foreclosure sale date. At this time my wife is working and I have slowly grown my XXXX XXXX business. I am also receiving a monthly VA retirement check and have a new job as well. Between all of these sources, we have the financial means to afford a fair and reasonable mortgage payment. However, Nationstar has refused to give me the opportunity for a new review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never lived at the Adress associated with this account because it is not mine, as I am a victims of identity theft as the result of a burglary. In XX/XX/XXXX, my hotel room was robbed while I was sleeping and I was also assaulted physically and XXXX. At that time, I lost my wallet which contained my social security identification card, drivers license, all my credit and debit cards, and my XXXX XXXX University card which had my old university email address on it. I graduated so I no longer check this email regularly so I didnt notice that TrueAccord had opened a collections account in my name until XX/XX/XXXX, at which point I immediately disputed the debt and filed an identity theft report. Its been over 2 months and I have yet to hear back from true accord on my request for deletion of this account and removal of all negative reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a business account with Bank of America in XX/XX/2022. I only opened one checking account, but 2 accounts were opened. The 2nd account that was opened was incurring fees that I didn't know about. No debit card or anything was ever issued. Eventually both accounts were dissolved and no paperwork was mailed.

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 2022-12-07
Company: EQUIFAX, INC.
State: NC
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:
CFPB 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 : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX XXXX  : ACCOUNT # XXXX has violated my rights. 

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 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 2022-09-09
Company: Experian Information Solutions 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, my rights has violated. 
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 permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I been trying to log in and see my actual TransUnion credit score, but its the most difficult credit bureau of the other 2 make everything much more complicated then it has to be! I enter forgot info I enter my SSN and last name and I just refresh the screen over and over.. I cant do nothing to understand why my score is dropping when my utilization is going low, but yet the other 2 credit bureau score went up when I brought my credit usage/utilization and debt ratio extremely low.. I honestly think! TransUnion needs to be audit and investigate being completely honest!! Something fishy going on in their end.. I submitted another claim how 44 inquiries appeared in one day out of the blue into my credit history only in TransUnion and unknown accounts.. please investigate and audit TransUnion!!

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 2022-12-07
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22, I learned that my check XXXX XXXX was cashed to a person that I did not authorized. The check was written to XXXX in the amount of {$66.00}. The check was washed and written to a XXXX XXXX XXXX for {$15000.00}. PNC Bank was notified on XX/XX/22. I was not able to open an account online, so on Monday XX/XX/22, I went to my PNC branch location in XXXX, GA to open a new account while the current account was being investigated. The branch was under staffed and not able to take that day. They referred me to the XXXX location in XXXX XXXX, XXXX XXXX XXXX opened a new account. The bank mailed me an affidavit which I submitted on XX/XX/22. After a couple of weeks, I checked with XXXX XXXX on status of resolving this matter and stated that I really needed my {$15000.00} returned. At that time she asked me if the bank had told me that it would take 120 days to look into this matter. I told her this was not satisfactory. She made a complaint on my behalf. I was was contacted by XXXX XXXX XXXX at PNC. I asked at that time if PNC would provide interim funds. She said it was not possible. She basically said it takes 120 days and there was not anything I could do about it. I received a letter from PNC Bank on XX/XX/22 that showed proof of payment and to call PNC if thought it was fraudulently negotiated! I was upset. XXXX XXXX said it was standard procedure and PNC was still investigating. She said I should file a police report. I filed a report with the XXXX Georgia police depart. Case # XXXX with XXXX XXXX XXXX in late XXXX. I found out later from XXXX that the PNC XXXX request XXXX is XXXX. 
It is now closing on almost 3 months since the fraudulent check was issued. Check washing has happened often recently, especially for mailed dropped off at the XXXX post office. Other neighbors and friends that I know have received their money from other banks within a month. The banks are XXXX and XXXX XXXX XXXXXXXX. It seems very unreasonable to have this issue take so long. Also, it seems suspicious that the person knew they could write a check for {$15000.00} and it would go through. XXXX Police said that {$1500.00} was the highest amount that had been frauded to date! 
Basically, I have to call periodically to get updates on this from PNC. The only PNC rep that I have a phone number to is XXXX XXXX in the XXXX XXXX. Her Branch Manager is XXXX XXXX. The person handling my complaint and investigation is XXXX XXXX  XXXX. When I spoke to her in XXXX she gave me a number that was never answered and you could not leave voice mails. I feel like they are hoping that I will forget about this matter. I am over XXXX and feel I am being taken advantage of! PNC never has offered to provide funds in the interim while I am out the money. I have asked at least twice. This is unsatisfactory service!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took an online loan out on XX/XX/21 which I was unaware when I applied for loan that you can't use a business acct for payday loans, when I arrived at the location to finish the loan, the store manager saw it was a business debit and stated that the business acct could not be used. He checked it out and realized that the acct had already been funded and he was not able to redact the loan. I told him I would make contact through 1-800 number and set up a new form of payment. When I tried to login to online account, my access was denied. I called customer service and they informed me that do to the circumstances w business account, they blocked my account and I would not be able to access it ever. I would have to make my payments in person at the local store. I explained that it was too far to drive and when they allowed me to have access to my loan, I would update payment information and we could finish doing business. They still haven't allowed this. I had money in the business acct for payroll and mortgage and out of nowhere, Speedy Cash ran my business debit for {$2100.00}. the loan was for {$1000.00}. My mortgage payment is processing and will be returned for insufficient funds and we are already at risk of going into foreclosure. They knew this was a business account and should have expected to be hurting someone financially if they are taking that much $ $ unannounced and unauthorized from a LLC Bank Account that someone might be expecting a paycheck today and wouldn't be getting it if they took the funds that were there for that purpose. They tried this once before and the payment was reversed so they knew they weren't allowed to do this. Yet they still did it anyway! This could cause us irreversible damage if our house note gets returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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 status incorrect

Complaint:
This company is reporting a late payment on my credit report which is inaccurate It has been paid in full and needs to be updated on my credit report to transunion and XXXX. under the law 15 usc 1681 they should update my information as accurate and correct. ythis is keeping e from being aboe to run my business properly because of the late payment. please remove it from ny credit report immediately

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX filed ftc XXXX days ago

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2019-03-21
Company: Experian Information Solutions 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:
I have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to XXXX  and Experian. On XX/XX/2016 I signed a rental lease with XXXX, the leasing manager. On XX/XX/2016 I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX XXXX   written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. 

This charge has stayed on my credit for many years and XXXX and Experian have not been able to investigate properly. They keep requesting more information from me, which I do not have. XXXX  and Experian are supposed to gather all information from XXXX XXXX XXXX in order to investigate properly. XXXX XXXX XXXX has not been able to prove this debt belongs to me because they do not have sufficient information.

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I gave XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  approval to run my credit 1 ( one ) time. They ran it 4 times within a month, including 2 ( twice ) in a single day. None of these were authorized by me. Only the first one, not the following 3 times. This dropped my credit score drastically.

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 2023-05-20
Company: PNC Bank N.A.
State: OK
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 been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately PNC BANK XX/XX/ Balance : {$47000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
1 ) Transunion 2 ) Experian Several months ago, I signed up for a free trial with both these firms which if cancelled in allotted time, billing would not occur going forward. In both situations I cancelled within 1 day, however both of these firs are debiting my account on a monthly basis, each for around {$25.00}. I have contacted them 4 times, telling them this was authorized and revoking any so called agreement that my account would be charged. Neither of them ever replied and the monthly deductions keep occurring. I have considered closing my debit card so that they would no longer have access. This would be a significant disruption, so Im reaching out to you for help.

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 2019-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, In response to my complaint # XXXX-XXXX submitted on XX/XX/XXXX via CFPB to PRA, please be advised i never received any letter or/and any correspondence on XX/XX/XXXX ( see attachment ) and clearly PRA knew i was living in New Jersey at the time. I wasn't given the right to dispute this debt and clearly it was done intentionally on PRA 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account just recently appeared on my credit report that I have no knowledge. I submitted a debt validation letter on XX/XX/2021 and have not received any validity of the debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation