BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a complaint against LVNV, a collection company that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes, LVNV continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me and should be removed.

I have been disputing this account with LVNV for several months now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, LVNV has continued to report the account on my credit report, which has negatively impacted my credit score.

I have also noticed that LVNV has been reporting inaccurate information about the account, which further damages my credit score. This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. I urge you to investigate this matter and take appropriate action against LVNV for their failure to comply with the FRCA.

I also request that you ensure that LVNV removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: Bread Financial Holdings, 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:
I have a late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ Ally Bank froze certain joint bank accounts at Ally bank. The joint bank accounts frozen were those I maintain with my XXXX XXXX XXXX son. The accounts were frozen after my son attempted to send money via XXXX. The attempted XXXX transaction was flagged for potential fraud. When my son called Ally customer service to resolve the issue he was told that a recent phone number change on his account likely triggered the flag. However, Ally next determined my son could not be properly " authenticated '', froze all accounts for which is was an owner/joint owner and told him to wait for contact from Ally fraud staff, with an estimated " up to five business days '' till you hear from us. As a joint owner on these accounts I am currently being denied access to the funds in these accounts, despite the fact that Ally Bank has been able to " authenticate '' me. I support Ally 's efforts to detect and deter fraud, but that goal must be balanced against customers ' need to have access to their funds to the extent possible. The bottom line is Ally should have an obligation to work swiftly to resolve fraud concerns. It has not done so in this case. A five days to reply standard is unreasonable. Moreover, Ally has not even stated any reasonable grounds for denying me ( versus my son ) access to the frozen funds.

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 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I deposited, into my Capital One savings account, a bonus check from my workplace of $ XXXXImmediately the next day, Capital One flagged the account and put it under investigation for some reason. The account was frozen and I was not allowed to touch the funds for withdrawal. During the investigation I called Capital One to discuss why the account had been frozen and they said it was just under investigation and they would not tell me more. I ignored the problem while they were investigating the problem hoping it would only have taken a couple weeks to determine there was no issue for my money in my savings account. Throughout the investigation period, Capital One was applying the monthly interest to the amount that was in the account. XXXX  forward to XX/XX/XXXX and I look on the banking app and notice a withdrawal of {$2400.00} had occurred. I quickly called Capital One asking who had withdrawn the funds, since it was a frozen account, and they replied the funds had been sent to the Department of the Treasury XXXXXXXX XXXX Virginia as an unclaimed account and to keep my eye on a website named XXXX to go and claim my money from the state. After this phone call, on XX/XX/XXXX, Capital One sent me a check of {$0.00} because they officially closed out my account for good so I could not access or investigate further. I contacted the claims department in the Department of the Treasury XXXX XXXX  Virginia and they sent me and inquiry form to fill out to determine if the money had indeed been handed over to them. The Department of the Treasury XXXXXXXX XXXX Virginia received my inquiry on XX/XX/XXXX and sent a reply letter. According the Department of the Treasury XXXX XXXX Virginia, I need a letter from Capital One stating the amount sent, date sent, reported name, and the account number. I have contacted Capital One XXXX separate times to acquire the aforementioned letter from them and every time they say they are going to send the letter to my current address and nothing has even become of that letter. At this point since both Capital One and the Department of the Treasury XXXX XXXX  Virginia say they do not have my money, I am not sure where it has disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a request to update my late payment account for XX/XX/XXXX. XXXX did not update the late payment even after receiving the payment history showing that a payment was made on XX/XX/XXXX and deducted from my XXXX XXXX account on XX/XX/XXXX. My due date for XXXX XXXX is the 1st of each month. 

I have attached my bank statement and the payment history from XXXX XXXX indicating XX/XX/XXXX was not late past 30 days. 

I made two payments in XX/XX/XXXX. Please see page 2 and page 5. 

Transunion is still in progress.. however, I am submitting updated information to verify the payment was made for XX/XX/XXXX. 

XXXX was updated to 100 % late payment. 

XXXX completed the late dispute on XX/XX/XXXX and no changes were made. I have sent XXXX a copy of my payment history as requested and still no changes. I am submitting my bank statement as another form of proof.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I contacted the CFPB. Complaint XXXX XXXX 

XXXX never provided documentation. For the accounts on my credit report. 

Verification of my accounts needs to be provided or removed from 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 2015-10-05
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi. I had been contacting Nationstar since XXXX of 2015 to apply for a loan modification. They told me call in a few weeks to check the status and I did. I contacted them XXXX XXXX, 2015 and they said they never received them so I resubmitted on XXXX XXXX and again was told to check in a few weeks. Called them XXXX XXXX, 2015 and the same we never received them, resubmit. After this time of resubmitting I get a response saying to refprmat the documents to PDF, now I knew I had the right email all along because I received a response. I have a buyer interested and he needed the oay off information with reinstatement fees and all so I requested the fees on Monday XXXX XXXX, 2015 and was told to call back in 24-48 hrs, so I did. I called XXXX XXXX, to try to push the date further to allow my buyer to get the funds. They said they would send me an exacted pay off with in 24-48 hours. At this time ( Friday XXXX XXXX, 2015 ) I received an email at XXXX ( after hours ) with a link to get in to get the payoff, and was unable to get it yet alone call them back. First I was told to call the lawyer representing them so I did then told to call Nationstar which already have. I am on XXXX and explained to them my situation since about XXXX XXXX, 2015. Today is XXXX XXXX, 2015 the day before the foreclosure auction and now they want me to get the funds from my buyer and that is impossible because I still need the pay off amount. Being that they have been doing this for 4 months really show that this was there intention all along and also I have heard similiar situations like this happening. It 's not right. Once I told them I was on XXXX for 11 years and limited on income they stopped everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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: 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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, XXXX Bank # 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 explanation
Consumer complaint received 2015-10-05
Company: NATIONSTAR MORTGAGE LLC
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company NatuonStar has refused my payments. I fell behind but have been trying to pay what I owe. A few months ago I sent a {$3000.00} payment which they never put towards my debt just kept suspended, when I trod paying another {$1000.00} they refused to accept it. I pay electronically. I have called so XXXX times and they do not answer, I have been on hold for over half an hour and messages left never get a response. At my wits end I asked for help from my local XXXX and they say my loan inand I needed to pay {$6000.00} to bring it out if forclosure Which I did. They had mailed me a check for {$3000.00} I had paid over a month prior and used my own money as well as a loan from my mother. I sent a cashiers check certified mail. My XXXX person said they had received it but there would be some legal fees. The very next week Nationstar returned my cashiers check and claimed I owed {$8400.00}, ni explanation why I owed so much more in the letter. Ironically the same day I reviewed a regular invoice saying I owed {$6900.00} ... Which was the {$6000.00} plus my XXXX payment. When we called the person had no idea where the {$8400.00} figure came from and that she would get a amount to me within 24-48 hours for the total due, payments and fees and that if I overnight ex the check it would be taken care of. However she did not get back to me and when I called I was put on hold for 20 minutes. My XXXX person did get a hold of the and they now say because it 's gone into XXXX I owe {$7900.00}. They say {$1300.00} is legal fees.. Which they refused to send an itemized explain action of claiming it 's their policy not to. Had I paid before the end of XXXX, which I would have had they called me with the amount due in the 24-48 hour time frame they gave me. So instead of {$560.00} in fees thy day I now owe {$1300.00}. I personally feel even the {$560.00} seems high and wanted to bring the invoice to a lawyer to see if it 's unreasonable or not, also I should b or have to pay & XXXX extra because they failed to get back to me in the time Fran quoted by them. I feel this is extortion or fraud. I have called and left messages with a local lawyer and the South Dakota attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/2010 I closed on a house for me and my children. The property should never have closed in it 's condition. The broker acted in concert with the realtor to close the loan on a house that is almost uninhabitable. The condition of the property was grossly misrepresented by all parties involved. Because of their deceptive business practices our finances have been in ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
THIER WERE 3 CHARGES 2 OF ITEAMS XXXX HAVE NOT BEEN RETURNED TO ACCOUNT STATED AT XXXX XXXX XXXX WAS THE FINAL AMOUT THEY WERE TO SEND ME STATEMENT SHOWING WERE MONEY WENT NEVER GOT THEM PAY PAY I GOT A WORKMAN COMP SETTLMENT DEPOISTED IN TO PAYPAL MY NAME SS NUMBER DRIVERS LICENSE IS ON THE ACCOUT IT ALL MY MONEY AND ACCOUNT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX   XXXX {$2400.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXXXXXX {$550.00} XXXX  XXXX {$7000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX   XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2015-10-04
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
To C.F.P.B, I would like for you organization to start entire investigation on my case, the said complained NationStar Mortgage LLC, XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was contact within a flyer, and they offert me home loan modification. 1 ) They promise me lower monthly payments. 2 ) Come down the principal. 3 ) avoid foreclousure. 4 ) They request money from me.I gave them {$7500.00}, and after that i dont ear from they any more. I paid them whit check.I started with them since XX/XX/XXXX and last time got comunication whit them:XX/XX/XXXX _

Company response to consumer: Closed
Consumer complaint received 2022-10-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank Checking, ( 2 ) Savings and ( 1 ) CD : Private Client Status Owner : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX TX Date of incident XX/XX/XXXX All Acounts have been with Chase for the last 20 years under " XXXX XXXX XXXX XXXX XXXX XXXX '' without any changes. 


- On XX/XX/XXXX I tried to use my debit card, and it was declined. My checking balance was over {$4400.00}, so I contacted my Banker XXXX XXXX XXXX. After calling Chase Corporate, He advised all of my accounts were restricted due to a missing document that was now required for the XXXX Chase never advised me of this requirement, nor did they call my Banker or notify him of the account restriction. 

- I went to the bank on XXXX and XXXX, and XXXX ( the bank Manager ) tried to find out what was missing. A new form, called a " Certificate of XXXX, '' was needed, so I downloaded the form, completed it and had it notarized at the Bank on XXXX. The Certificate form and a new copy of the XXXX were scanned into the bank 's imaging file and Chase was supposed to release the restriction on Monday upon review of the documents. 

- On Monday, the Chase Executive Complaint Group called me and said they had the certificate but didn't have a copy of the XXXX The original ( unchanged ) XXXX  document was already in their files, and they had been sent another copy on XXXX by XXXX. 

- It was clear I wasn't going to resolve this and I had no access to any cash or accounts, so I went to the branch, and the branch Manager removed all but {$1.00} from every account and gave me cashier 's checks, which were then deposited at new accounts at XXXXXXXX XXXX 

- I then redirected all deposits to XXXX, but three pension and SSI payments would take 1-2 months to complete the change. Since then, deposits have come into the Chase account, and they have held them for over 3 days before rejecting them. The transaction time from their receipt of the deposits to the time these issuers send a check to me directly may be up to 8 weeks, leaving me without income for 2 months. 

- The accounts remain restricted. Chase will not close them so that deposits are immediately returned, nor will they deposit them into the accounts so that I can do a withdrawal. They hold the deposits, so they earn interest and then deprive me of access to any money. 

-As of XX/XX/XXXX, this situation is unresolved, and Chase should be fined for continued restrictions on the accounts to allow me to have the deposited cash or close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: IL
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation