BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-28
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a friend, who is on social security XXXX/retirement and receives her XXXX benefit on her XXXX XXXX XXXX ( there is no option offered as to the type of card -- see below website ) XXXXXXXXHer mortgage company is Nationstar and every month she has to make her mortgage payment using XXXX XXXX , which involves driving to the store and cost her {$13.00} ( soon to be {$16.00} ), because Nationstar Mtg does not accept XXXX debit cards, only XXXX. Is it legal to limit someone 's ability to pay their mortgage payment and only accept a XXXX cards? What bothers me is the people it effects -- our XXXX and XXXX who are on fixed incomes. I want to know if mortgage company 's are allowed to do this, how can they accept XXXX and not XXXX? That makes no sense to me and is not only causing a hardship for my friend physically and financially, it affects any other XXXX or retired people who are stuck with Nationstar as a mortgage company and receive their government benefits through XXXX XXXX. Can something be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company removed the account and re added it 3.5 years later the issue was settled with the original lender the vehicle was not drivable I notified them them they allegedly had nothing else available and offered to redeem the car and whipe away my dent because i was current with every payment up until issues with the vehicle not starting the company had already sold my trade in that i used to purchase the vehicle so they decided to settle so i can by a more expensive car off there lot upon returning the vehicle i disclosed i wasnt interested in doing business with them again and in turn would just like to return their vehicle and go else where and they could keep what they owe me from my trade in in exchange of clearing my debt this was discussed in length now when it hit my credit i was shocked and reached out they disclosed the company was shut down / sold off and now i was there problem they removed the debt but now years later its reaapeard this has been 7 years the loan should not even be on my report as its far too old it seems very coincidental that it just reappeared they keep trying to convince me to settle on a amount and i refused they have all the payments i made plus my trade in plus the vehicle they sold me if thats mot a rip off i have no idea what is i litterally got robbed.

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 2022-12-03
Company: HOVG, LLC
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 the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fr purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
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:
15 U.S. Code 1681i - Procedure in case of disputed accuracy I received a copy of my credit report the late payment and information on my credit report is inaccurate. 
date OF last ACTIVITY exact amount owed date opened On my transition report I owe XXXX On XXXX document attached below differ everything doesn't match LATE 30 day says XXXX, on XXXX it's says XXXX The Activity are inaccurate and does not met fcra. REINVESTIGATE and Remove inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-04
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 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 items 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 ) (! ) 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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, I request them to remove all these items before I continue to take further action, i have already filed with the FTC and police reports. 

Transunion Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries on my report I did not authorize or pursue. Please have them remove.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
according to the fair credit reporting act 15 USC 1681 section 602 a states there is a need to insure that consumer reporting agencies exercise fairness, impartiality and a respect for creditors rights to privacy XXXX XXXX XXXX transunion are third parties reporting agencies that share which is backed by 15 USC 6801 which states it is the policy of the congress that each entity must adhere to these laws that protects customers, consumers, and creditors-me! and that the information is confidentiality of those customers non public personal information I have opt out from receiving any promotional, marketing, and or my information shared with other entities without my permission and this is a vioaltion

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 2023-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing XXXX, Equifax and XXXX as a concerned consumer to request the blocking and deletion of information on my consumer report due to identity theft, in accordance with 15 U.S. Code 1681c1 and as recommended by the Federal Trade Commission ( FTC ).

I have recently become aware that there is information on my consumer report that is a result of identity theft. This information does not pertain to any transactions made by me as the consumer. My request to block this information is not being made in error, and it is not based on any material misrepresentation of fact by me that is relevant to the request for blocking these identified transactions.

I kindly request that you take immediate action to rectify this situation by blocking and deleting the information related to the identified transactions, as per the law and FTC recommendations. It is of utmost importance to me that this fraudulent information is removed from my consumer report, as it is affecting my financial well-being and my ability to engage in legitimate financial transactions.

Enclosed you will find copies of documents supporting my claim of identity theft. I would appreciate your prompt attention to this matter, as well as your confirmation of receipt and action taken within the timeframe required by law. 

Correct Name : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Identified names delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identified addresses to delete : XXXX XXXX XXXX, XXXX, FL XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX Identified transactions to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: PA
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:
Prof Dept inaccurately and reaging added XXXX late payment to my account. XXXX, XXXX, and experian has not deleted this account despite multiple inaccuracies with this debt collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i bought items from amazon.com these items were to be credited, amazon says they credited them but synchrony bank claims they didn't. i disputed the full balance and they still haven't done an investigation or they did but never sent me a decision. they keep calling me from different phone numbers all day and all night. there not even calling from the u.s. they still haven't given me a decision letter. they also will not talk to me if i record them. they have hurt my credit report by 70 points not allowing me to refinance my home.

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: Experian Information Solutions 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: 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, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XX/XX/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 2021-07-21
Company: TD BANK US HOLDING COMPANY
State: FL
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:
On XX/XX/2021, we received a phone call from a XXXXXXXX XXXX XXXXXXXX employee. At the time I was at quarantined at home with XXXX children on " XXXX '' school. After a pressured conversation and threats to cut the power to our home in which he brought a number of proofs to validate himself, we paid him in 2 transactions totaling an amount of {$2200.00} for an account that we believed was in arrears. Immediately, after hanging up the call, we realized that the call was fraudulent. Running over to TD Bank in a panic, we tried to stop the transactions. Both of them said " pending '' and we were told that there was a chance to stop the payment. We began a series of desperate phone calls to bank managers, supervisors and higher ups in the hopes of somehow recouping the money. The calls were either not answered, or were not returned. We essentially, were " blown off ''. For us, the amount of this transaction is significant and the absolute disregard and lack of attention from the bank was appalling to us. We have been banking with TD Bank for 10 years and have 9 accounts with them. When we finally reached a vice chairman, after an initial very rude exchange in which he implied that we were a bother, we were told that there was nothing they could do for us as the payment went through immediately. This is very strange to us as the bank records show the 2 payments posting on 2 different days, yet they were made minutes apart. As such, we believe that had we received the appropriate attention, we could have stopped them from going through. It has been a large case of neglect, negligence and general disrespect towards us the customer. We are still seeking recompense for this maleficence and are strongly considering closing our accounts and going elsewhere. In the meanwhile, maybe if this complaint is seriously recognized we might get the deserved attention and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It's been a lot of difficulties in terms of depositing check with Ally bank. 
I deposited a check from my account in XXXX XXXX  worth {$230.00} on XXXX XX/XX/2022 well before XXXX EST. 
This is what mentioned on Ally bank 's website for this check deposit : We have information that indicates the check may not be paid. If the check is not paid, we'll notify you by mail. If the check you deposited is paid, we will refund any fees for overdrafts or returned checks that result solely from additional delays imposed by us. To receive a refund of these type fees, please call XXXX. We're available 24 hours a day, 7 days a week. 


Well Ally need to be very sure rather than speculate. Moreover I have been Ally bank customer for more than a decade then why can't ally notify me that something bad/negative is going to happen to my account? They have my email, phone # and everything. 

When I called for the other check- {$2700.00} which is for me and my spouse. I was told deposit it again in our joint account. I tried that but it was not allowed. I need to call 3rd time but there was no certainty in terms of what will happen to the previous check deposit-it will be accepted or not? It seems God  is running this bank and everybody in Ally bank is totally clueless in terms of what is going on? There is no seriousness in terms of Ally bank 's working. Customers are misguided. 

During last 4 days, I need to call Ally bank several times... hold times of more than 45 minutes and even after that substandard customer service. Right now I am on call with ally bank beyond midnight of my time.

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 2022-01-16
Company: Tate and Kirlin Assoc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So, we have had service with XXXX for almost a decade at two different primary residence. We sold our house in early XX/XX/XXXX, and moved my family ( XXXX young daughters, XXXX wife, and myself ) into my parents basement for XXXX  months while our new house was being built. 

In the meantime, I called all of my service companies ( cable, power, security, etc. ) to let them know about the move. They were all great, with the exception of XXXX. The customer service rep said I could just take the equipment since it was basically paid for and contact them when we move for new service. They informed me that they would suspend service since we werent under a contract and we could reinstall at the new residence. 

During the in the basements months while we were awaiting our new house to be built, XXXX constantly harassed me to pay them, saying I broke a contract - which I disputed even existed. Finally, I spoke to a supervisor who said they would handle it and I shouldnt be bothered again. They apologized and said they hope Ill consider using them again once I move. 

I thought it was taken care of until I received a letter dated XX/XX/XXXX from Tate & Kirklin Associates , Inc. sent to my parents address, informing me that we owe {$730.00}. 

This is a bit outrageous, as we were current with our payments ( never missing even one ) when we moved. I was informed we didnt need to worry about this and it was an erroneous item from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2023-12-06
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hello, I've been trying to login into the account and verify my identity. I have been contacting the company since XX/XX/2022 but no answer. I've tried calling the number but noone answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Harris & Harris, Ltd.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I receive a debt collection letter from Harris & Harris , LTD claiming that I owe {$1000.00} to XXXX. However, they added an additional fee of {$23.00} to the total amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage located in XXXX TX has been calling and writing letters harassing us about our Mortgage payments. Our original mortgage company was acquired by NationStar and XXXX located in XXXX XXXX sent a payment to them. NationStar is now requesting our bank statements. We have confirmed with both parties via telephone that all payments have been made. Nationstar continues to call us daily looking for more money. they are not providing any invoices for monthly payments. The call center is located in the XXXX and every time i request to speak to a manager they seem to be in an emergency meeting. This is looking more and more like mortgage fraud, our credit is being ruined. They are requesting bank statements and still not fixing the issue.

Company response to consumer: Closed with explanation