BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2021-12-21
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Tuesday XX/XX/2021 Credence Resource Management contacted me. I have received a call before super nice person. I am XXXX and she put a hardship on it for 30days. Today I get a call tell him I'm still XXXX also explain to him the small details of the acct. He explained that I had 2 choice either take responsibility for the account or file a police report. A few times I said " that's a super hard thing to do and it's not something I can just decide '' he kept telling me I had that two choices and I asked if I had to make that decision right now he said yes. I told him I couldn't he kept trying to force me to I told him I wasnt able to adequately make that decision right now he then proceeded to ask me if I was under the influence and that I sounded just fine. He just talked over me and didn't let me speak. I told him again I could not make that decision right now and that at this point he was harassing me. 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 Which is also information I am not required to give him. He said in the beginning of the call that the information collected would be used to collect debt. He was trying to squeeze decisions I could not make for the benefit of the collection agency. His harassment was to strictly benefit the debt collector. He is not of authority to force me to make decisions in regards to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: Selene Holdings LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Borrowers experienced problems meeting their {$1200.00} monthly mortgage installment obligations to their lender as a result of the COVID 19 pandemic. Borrowers contacted erstwhile servicer, XXXX XXXX XXXX ( XXXX ) for assistance in XXXX of 2021. XXXX duly placed the borrowers in a forbearance program and required them to make seven ( 7 ) timely trial payments of the regular monthly payment plus catch payments. However, during the course of making the trial payments to XXXX servicing of the borrowers ' mortgage note was transferred to Selene Finance ( Selene ). After making the final trial payment on XX/XX/2021, the borrowers requested the permanent modification from XXXX  and were directed to Selene. Borrowers contacted Selene repeatedly for the permanent modification to no avail and were eventually informed that Selene did not even have the borrowers ' file. Selene therefore asked the borrowers to supply them with copies of the correspondence related to the trial payment. On XX/XX/2021, the borrowers received a final modification more than doubling their previous monthly mortgage installment payment to {$2200.00} and simultaneously increasing their fixed interest from 3.00 % to 5.00 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made two card - Hilton Honors American Express Card/Hilton Honors American Express Surpass Card with the introductory offer of XXXX point when spending {$2000.00} during 6 month of opening. I spent more than {$4000.00} for express card and I was not able to get the intro offer that I was promised. I even contacted a representative on XX/XX/XXXX to confirm my offer and the representative told me that I have introductory offer that I know of. This is a copt of message that I received from representative And for the Hilton Honors Card can earn XXXX Hilton Honors Bonus Points after {$2000.00} or more in eligible purchases are made on the Card within the first 6 months of Card Membership. I am attaching screenshot. 

Later after I spent all the money I was not able to receive the offer and when I talked to representative they told me I did not have the offer. 


I was mad and I canceled the card from amex but I am hoping that I can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX is incorrectly reporting a late 30 days. my payments are due every month on the XXXX of the month. XXXX states after day 29 they report a late 30 days, however they have my payment the day after 29 so it can not be reported late because that same day payment was in their possession. if the day after 29 days was passed and no payment was in their possession they could report a late 30 days however they had my payment and can not be reporting a late 30 days and as such is inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
These three credit bureaus keeps adding removing updating deleting refusing to delete refusing to tell me where they get the information from and violating all type of consumer laws when it comes to my profile they tell me that they can't verify me yet they simulators telling me they've updated and verified through furnishers they still have not provided me where they got the information from. They refuse to update when the other bureaus have already removed they just keep doing whatever it is that they want causing me emotional distress I just want these items removed immediately attached is my exhibit showing the inconsistency the stall tactics and then violating laws

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ran my credit on XX/XX/21 without my permission. I have not inquired or requested any services from them on XX/XX/21. Any business that I has with them has been completed and closed for some years and it does not give them the right to unlawfully run my credit whenever they choose to,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2017 XX/XX/2017 Unauthorized inquiry two times in the same month. Was done without my consent.

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 2020-07-07
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been trying to refinance my 1st mortgage for a few months now. I was approved on XX/XX/XXXX. SLS ( Specialized Loan Servicing ) services my 2nd mortgage so in order to refinance my 1st loan, they need to subordinate. When we requested the subordination we were told that the investor doesn't allow for subordination and that we would be able to find that wording in our original note. Well, we looked and it doesn't say that so it's now months later and we still do not have any resolution. We are told that someone will get back to us but no one ever does.

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 2015-06-16
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We are existing Nationstar customers for a couple of years since XXXX XXXX XXXX sold our mortgage to them. At the beginning of XXXX of 2015, we applied for another loan with Nationstar ; we had other options, but decided to go with them since we are already their customers. We spoke with XXXX XXXX # XXXX ( XXXX ) and were immediately told we were approved and asked us to send a lot of documents, documents we sent to them immediately. Once they received the documents he told us it will take about 30 days to close on the loan. We then received an email from XXXX XXXX introducing herself as the loan processor. We waited 30 days and nothing happened, we called XXXX to let him know our contract on the house we were looking to buy was about to expire and that we needed to close the loan no later than XXXX XXXX, 2015. We waited until XXXX XXXX and our loan was still in processing, we called him several times with no response. I called from a different number and he answered the phone, he told me he had been trying to call us but that the calls did not go through because they were long distance ; I still ca n't believe a bank as big as Nationstar is does not allow their employees to call long distance in order to reach their customers ( we live in the same state, TX ) XXXX told me to contact XXXX to ask about the status of the loan, I called her, sent her emails and a month later I am still waiting for her to call me back. We called XXXX again several times ( we have all the call records and emails we sent them ) and he did not call us back. I then decided to call his Manager, XXXX XXXX at XXXX to ask about the status of the loan because the realtor could not wait any longer to sell the house. I called XXXX several times as well, and left her messages to call me back, well guess what? A month later, I am still waiting for her to return my phone calls. I called their " customer service '' department at XXXX and was told to contact XXXX, we explained to them we had been trying to contact him, but he was not returning our calls/emails. We were told, they could not provide any information to us and to call XXXX. We asked to speak with a supervisor and again we were told to contact XXXX, they said a supervisor was not able to assist us because he was not processing the loan. We do not know what to do, they asked for all of our information and we sent them sensitive information, I am starting to think they are not even a legit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In 2007 my husband and I took out a loan from Beneficial for {$10000.00}. This loan was not paid in full. Beneficial charged it off. Today, XXXX XXXX MY FATHER was contacted and was told they were going to put a lien on HIS property because he co-signed on this note. HE DID NOT CO-SIGN ON THIS NOTE. My husband did. This was from XXXX XXXX XXXX. Phone # was XXXX. They have upset my XXXX year old father and have made him feel like he was going to lose his property when he didnt even co-sign on this note to start with. They evidently looked up his background and saw he had perfect credit and land.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: AES/PHEAA
State: IL
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:
In the months of XX/XX/XXXX and XX/XX/XXXX I have spent several days corresponding with XXXX XXXX    about the fraudulent accounts which appear on my credit file. They have not removed them. Although these accounts are fraudulent and I did not aurthorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$50.00} Amex e-gift card from XXXX on XX/XX/XXXX  and every time I try and use it, it gets declined every time. No matter where I try and use it. No matter how much or how little a spend. Ive tried reaching out to customer service but was put on hold for over 40 minutes. I was told to try again in 24 hours. Still did t work. I gave up for a while until I was told about this system to possibly get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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 XXXX account # XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ) Account # XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXXXXXX XXXX # XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXX MD XXXX Account # XXXX ARS Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: National Commercial Services, Inc
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is concerning a car accident that occured when a mechanic working on my car test drove it without my permission. I was deemed not liable due to not driving or even being present at the time of the accident. National Commercial services has been calling me with recorded messages and have recently began to send notifications by mail. I have sent them XXXX cease and desist letters via certified mail and they still contact me.The accident occured on XX/XX/XXXX of 2016.They are attempting to collect 13,000 dollars from me that I do not owe and have been deemed not liable for by my insurance company.The liable party is the mechanic who was driving the car who has not been responsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I closed on a FHA Loan from XXXX XXXX on XX/XX/XXXX, that is because they told me I didn't quality XX/XX/XXXX but I did. The loan was audit/Closed, same day. The loan was sold to XXXX XXXX Mortgage, without my approval. XXXX XXXX XXXX XXXX XXXX XXXX, took XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX we was in the Foreclosure Court with XXXX XXXX Firm representing XXXX XXXX, and they towed my truck. XXXX XXXX law firm rushed my wife into signing all documents before I had the chance to get her to understand the house should not be added. They used her income. I just got back in the workforce, after XXXX Properties let me go XX/XX/XXXX, because they was caught by XXXX, frauding my identity/business, still was denied unemployment Claim from XX/XX/XXXX. I know we are supposed to have a comfortable payment, but instead they wanted XXXX a month for 60 months. I was told in the XXXX  meeting on XX/XX/XXXX that I needed not talk because the other guy wasn't pleasant. but this is who I suppose to trust. Same individuals who took my car after our XXXX Bankruptcy closed and A XXXX lien was attached to XXXX XXXX XXXX XXXX XXXX NC, XXXX to XXXX, still was about to get a house. My business insurance was to be audited a year from start date, state farm never told me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe this decision was made in error and I would like to appeal the restriction imposed on my account. 

Firstly, I want to emphasize that I have not violated any of PayPal 's policies. I have always conducted my transactions in accordance with the guidelines outlined by PayPal. Therefore, I am confused and disappointed by the sudden limitation imposed on my account. 

I kindly request PayPal to re-investigate my case thoroughly. I believe there has been a mistake or misunderstanding that has led to this limitation. I am confident that a closer examination of my account activity will reveal that there are no grounds for this permanent limitation. 

I understand the importance of upholding the integrity of PayPal 's platform, and I fully support efforts to maintain a secure and trustworthy environment for all users. However, I firmly believe that in my case, an unjust limitation has been placed on my account. I kindly request PayPal to review the evidence and reconsider their decision. 

Please take into consideration that my PayPal account is an essential tool for my online financial transactions, and the permanent limitation has greatly disrupted my ability to conduct business effectively. Therefore, I kindly request PayPal to expedite the re-evaluation of my case and, if possible, restore my account to its normal functioning. 

For further correspondence, please reach me at XXXX. I sincerely hope that PayPal will carefully re-evaluate my case and take the necessary steps to rectify this situation promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since the transfer of my mortgage to Nationstar from my construction company 's mortgage company there have been an endless stream of problems. First off they messed up the Escrow account by not paying my property taxes and sent me a XXXX refund. This refund had to be repaid a few weeks later as it was identified it was sent in error and then the taxes were paid late. This then started ongoing Escrow re-calculation and payment problems that are still unresolved nearly a year later. Despite numerous lengthy phone calls to their Escrow Dept and promises that it would be resolved the problems continue. All of my payments are made on time but because of Nationstar 's inability to resolve the problems my monthly payments are held in suspense which then trigger daily " collection calls '', in some cases multiple calls each day, including weekends. I have spoken to multiple customer service agents that always state they can see the problem and will resolve it but to date this has never happened, usually with only part of the problem being fixed and a new problem surfacing. Additionally, Nationstar Escrow Dept did not pay my home insurance coverage upon renewal, resulting in the policy lapsing. Nationstar claim that the Escrow did not cover insurance which was not how it was originally setup and fortunately I was able to resolve this with the insurance company directly who reinstated the policy. 
8 months later and there are still issues on the account. I am still receiving harassing phone calls daily from collection department agents and repeated threats to report me to the credit reporting agencies.

Company response to consumer: Closed with explanation