BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing a complaint against Sterling located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. This company ran a background check for employment with XXXX. Sterling did a background check and reported a XXXX  from 20 years ago in the state of Texas. The Texas Business Code Section 20.05 clearly states that XXXX are not to be reported over 7 years of the XXXX. This reporting led to me not receiving this job. Below you will find that section. 

Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 1 ) a case under Title 11 of the United States Code or under the federal Bankruptcy Act in which the date of entry of the order for relief or the date of adjudication predates the consumer report by more than 10 years ; ( 2 ) a suit or judgment in which the date of entry predates the consumer report by more than seven years or the governing statute of limitations, whichever is longer ; ( 3 ) a tax lien in which the date of payment predates the consumer report by more than seven years ; ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ;

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 2022-03-26
Company: Finance of America Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Finance of America Mortgage LLC started servicing my conforming mortgage in XX/XX/XXXX, including escrow of tax and insurance. In summer XXXX my insurance was due and they contacted me to update my insurance information with them. I did, but they never made the premium payment. I contacted them to ask them to pay and they assured me it would be taken care of but it never was. On XX/XX/XXXX I made a {$2100.00} payment directly to the insurance company, at that point it was past due and coverage was 2 days from lapsing which would have left me exposed to significant risk. From fall XXXX to spring XXXX I have been trying to get Finance of America to perform return the excess funds in my escrow account that should have been paid to my insurer. I have made multiple requests by both phone and digital messaging feature on their website but they have still not taken action. In fact, they have NEVER done an escrow analysis since they started servicing in XX/XX/XXXX. I've attached a printout from their website showing last escrow analysis was XX/XX/XXXX, a copy of my most recent written request for reimbursement, and my latest mortgage statement. I'd like to be reimbursed the ~ {$2100.00} in excess escrow balance that should have been used to pay my insurance premium in XX/XX/XXXX. Better yet, I'd like to cancel my escrow on this mortgage so I never have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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 am demanding that the credit reporting agencies stop reporting the account XXXX XXXX XXXX XXXX for inaccuracy. The payment history is inconsistent between all 3 bureaus. How is this accurate when all data furnished should be the same? Why are there are a variation of different late payments reporting for the same account? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached credit report showing the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: DApps Platform, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Twice Trust Wallet lied. Complaint XXXX and XXXX. TRUST WALLET never replied or send me responses about my complaint. I have all the screenshots and emails with no responses. On my last complaint TRUST WALLET says that they know about this scam, but they dont do anything to protect their customers. They have failed to fill their obligations. Moreover, on their website they say that they keep your XXXX  safe from hackers & scammers. One more time they lie. I never received any scam email or click on any emails received from an unknown person. I didnt visit any fake, or scam website. My money was on my trust wallet account without any specific transactions on it. My money was just store there. Moreover, TRUST WALLET reported a list of $ XXXXway below the {$1400.00} reported to them and the proofs I sent. XXXX XXXX XXXX XXXX Also a demand letter was sent to TRUST WALLET with signature. They never replied to it. I have now reported TRUST WALLET action to the FBI and to the Massachusetts Attorney General 's Office. Its time for them to take their responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and they agreed to CORRECT the misleading information in my file. Please update and repair all the late payment accounts below : XXXX XXXX, XXXX CARD XXXX, XXXX  XXXX XXXX, XXXX CARD 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 2022-10-10
Company: Medical-Commercial Audit Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Pursuant to my rights under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe. 

This debt does not belong to me, so cease all communication. Including any negative reporting to credit companies, as that is also communication to me through an alternate outlet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: ENOVA INTERNATIONAL, 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:
In accordance with fair Credit Reporting act Net Credit account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates agreed with me on XX/XX/XXXX, to settle a {$3500.00} credit card debt they purchased from XXXX XXXX XXXX  in XXXX. The agreed amount was {$2200.00}. I paid {$2200.00} on the date we agreed to, but Portfolio Recovery Associates left a balance of {$1300.00} on my credit report. It appears that Portfolio Recovery Associates is expecting me to pay {$1300.00} to clear my credit report despite our agreement, as stated above. Also, I paid the debt over the phone with a Portfolio Recovery Associates representative on the agreed date, XX/XX/XXXX. I gave her my checking account number and routing code, and I authorized the payment over the phone ; however, my account was not billed for the debt until XX/XX/XXXX. The Portfolio Recovery Associates representative sent me an email message which she said was a receipt for the transaction, but it was not a receipt. It appears that Portfolio Recovery Associates is taking the position that I did not pay the agreed settlement amount on the agreed date. I believe that Portfolio Recovery Associates is using deceptive practices and not dealing in good faith. We agreed to a settlement amount, a payment date, and that credit reporting bureaus would be notified that the debt was paid in full, but I believe that Portfolio Recovery Associates is attempting to collect the entire amount from me despite our agreement and on-time payment of the agreed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working on a modification with Nationstar for over three years. We hired a lawyer for a lawsuit against them, but every complaint against them was dropped for different reasons. Nationstar has been impossible to work with, always a different " point of contact ''. There have probably been at least 15 different ones, none of whom EVER knew anything about our loan. I always had to tell all my information every time. That 's why we hired a lawyer to help us. Through an outside contact, we have filed many modification packages. They were all turned down for one reason or another. We were only asking them to put the arrears as a balloon payment at the end of the mortgage, give us a 30 year loan and keep the interest at 3 1/2 % instead of the 5 % it was going up to. They would offer NOTHING even though no one has ever lived in this house but the XXXX family since it was built in XXXX. My husband grew up here and after his father died, we moved here in XX/XX/XXXX <P/>My husband will be XXXX XXXX XXXX this year and he has XXXX XXXX XXXX XXXX. He is weak and having to leave this home would do him in. I ca n't imagine how he would survive it. Our grandchildren live very close and are home several times during the week, playing in the front yard. It is our home. Seventy-five years of memories are here. It would be impossible to move out. We also make extra money by renting our a back house and we would lose this source of income if we had to leave. <P/>I just do n't understand how a company, no matter how impersonal, could be so cruel. We are still trying to get a low-cost mortgage with interest only for five or 10 years or a reverse mortgage. The reverse mortgage would be ideal except that Nationstar has run the mortgage from {$870000.00} to over {$1.00} million. So of course we could pay over {$200000.00} to bring the mortgage current, but then we would have to begin making payments of {$5500.00} a month which we ca n't afford. This could all have been handled quickly by Nationstar in a couple of months, but they 've stalled and stalled and run up all this overages which I do n't think are all legitimate but I have no way of finding out. <P/>In the past three. Plus years, we have paid money we did n't really have to our lawyers ( who have been very fair and very supportive ) and are basically worse off than when we started. I just ca n't believe there is n't a solution to this. The truth is we ca n't possibly afford to move out. Is there really a company who would put a couple who are XXXX and XXXX years old out f their home? Apparently!! I believe this is elder abuse in some form. <P/>I think Nationstar will do anything to get our home and they do n't care about the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: NEW YORK COMMUNITY BANCORP INC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have been with Flagstar for over two years and I always pay my mortgage on time every month. I requested to waive the escrow account so that I can manage the tax and insurance payments myself, but I was told that they will charge a 0.25 % or {$150.00} ( whichever is higher ) escrow waiver fee even though I have been with them for more than 2 years.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged 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 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
There are several credit cards who have run my credit several years after I either closed the or quit using there card. Also some credit card I possess periodically look at my credit which is not needed beause I am current on all my accounts. I feel that this is totally inappropriate. Some creditors are on my report who I have no business with at all. 

Closed/paid off Still active Never had/Old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA 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 explanation
Consumer complaint received 2020-10-05
Company: Student Aid Foundation
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good afternoon, I believe that the Student Aid Foundation XXXX XXXX and it's registered agent and manager, XXXX XXXX, has made several indecent and potentially fraudulent business practices that need to be investigated. For many years, Ms. XXXX has proven to be unorganized, unprofessional and lacking any willingness to resolve matters quickly and timely. She continuously failed to provide any timely communications or transparency regarding my loan account. From the inception, Ms. XXXX sent me a past due notice when I received no prior communication for any invoices or payment deadline. She has also managed to send me an email related to another individual 's loan account in which I was not the intended recipient. As of XX/XX/2020, I learned that approximately {$730.00} of my monthly payments were missing from my account. It was through a " Past Due Invoice '' I received for past due payments of {$730.00} was when I learned that these payments were not properly reflected on my account. Due to my immediate concern, I contacted the CEO, XXXX XXXX, and also a financial adviser, of this issue. To date, Ms. XXXX and Mr. XXXX have failed to not only advise me of what happened to the payments made on the dates that my money was withdrawn, they claimed to not know where my payments went, and alleged that I did not make those payments. I have attached copies of statements which shows the select payments were withdrawn from my bank account. I am extremely concerned of the business practices of this Foundation, and have suspicions that fraudulent activity has occurred with the payments that I made. 

I would appreciate a quick response from the investigator to ensure that this will be thoroughly reviewed and investigated timely, as I believe that these individuals do not have any interest in cooperating. Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: RI
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 ( Original Creditor : 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.

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