BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts 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 2023-10-19
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX I opened a dispute with Venmo CC concerning charges for a purchase that was deemed counterfeit. Shortly after that I received a dispute form and completed it. On XX/XX/XXXX I sent a 25 page fax to the fax number provided and it indicated it went through on my end. They responded that it would take 3-5 days to update the account. According to them it was never received. I send dispute info again via there secure message account XX/XX/XXXX they responded with couldn't find the charge even thought i broke it down by dates of payments made. I sent it again more clearly because they couldn't comprehend the first and received a response on XX/XX/XXXX outlining the amounts. So I copied everything, sent it priority mail to the address on all of there correspondence. I sent another email on XX/XX/XXXX asking if the information was received that I sent priority mail and the response was it was received on XX/XX/2023. Now I get a letter stating the dispute has been closed because they haven't received information requested from me. So today I called the number provided talked to XXXX who has now indicated the response they sent me concerning my priority mail was in response to something else. I said I have clearly asked about my priority mail and you responded to it with above info. I am beyond frustrated with this company. I have faxed, mailed, corresponded via there secure messages and I am getting nothing but a run around. Dispute is over {$2800.00}. And as of today has been reopened.

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 2023-07-02
Company: BMW Financial Services NA, LLC
State: LA
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 lease was opened XX/XX/XXXX with BMW FINANCIAL SERVICES. The loan amount is {$60000.00}. I contacted bmw in XXXX to inform the company of the Fraud. I submitted a dispute with All 3 major credit bureaus and bmw. The item was deemed as fraud and removed. Then 2 years later XXXX ADDED BACK TO MY CREDIT REPORT. I disputed again and it was removed but 2 months later the bmw account was added back to my credit report. IVE CONTACTED BMW Numerous times about this account and its still on my credit report and is destroying my credit. 

THIS IS FRAUD AND SHOULD BE REMOVED FROM MY XXXX CREDIT REPORT I PROVIDE ALL THE REQUIRED DOCUMENTS TO XXXX. Police reports, fraud applications, my drivers license, proof of residence etc. 
please remove the bmw account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: AC AutoPay LLC, Denver, CO Branch
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ac autopay is a motorcycle company that doesnt exist any longer. Also they have reported on my credit that they sent it to a collection company spoke to the company and they told me that they have given the account back to the original company. But now that company isnt answering or responding because that company is closed. Need this off my credit to pursue the home of my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I could not make my XX/XX/XXXX payment, as I was in XXXX school. When I called at the end of XX/XX/XXXX to pay in full the customer service representative told me to do this deferment and they would put the 1 payment at the end of my loan if I made 4 consecutive payments. They said I needed to make 4 monthly payments. It did NOT say calendar month payments. I made my XX/XX/XXXX payment XX/XX/XXXX. I made my XX/XX/XXXX payment XX/XX/XXXX to ensure the XX/XX/XXXX Payment was not late. Apparently that messed everything up. I have spent HOURS on the phone ( because you can not get a hold of anyone in charge of anything with this company ) to fix this error. It was fixed. I made the rest of the contractual payments. Once my XX/XX/XXXX payment was made, it said ( per their app ) that I was current and everything was fine for 3 days. Then all of a sudden their system messed it up. It now says I never paid XX/XX/XXXX. ALSO, they have reported that I was late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my credit report which has had a serious effect on my credit score. I would not have done the deferment ( and would have been fine ) if the original customer service rep did not push me to do so. I will say XXXX XXXX has done his best to help me, but his hands are tied and the people above him are not fixing this. This is ridiculous that I have been dealing with this for 4 months! My hands are tied. Mortgages get transferred without the owners permission all the time. This is a horrible company and seeing how they have 87 % negative feedback, they should not be allowed to buy someones mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
In Accordance with the fair credit reporting act Collections account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written 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 non-monetary relief
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquires and a XXXX XXXX account that I did not authorize or give consent that is being furnished on all credit reporting agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accuracy of the following accounts that appear on my credit report. I believe these accounts are in violation of the following laws : FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, FCBA. 

The following accounts are inaccurately reported on my credit report : XXXX XXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. I have attached supporting documentation for your reference. 

These inaccurate accounts have caused me significant emotional distress and financial hardship. I urge you to take swift action to rectify this situation and remove these accounts from my credit report. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-01-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Below is the email I sent explaining my issue with Truist : In addition to the issue explained below, I received a tax form from them, which listed over $ XXXX in principal due, which is incorrect. 

I believe this institution is predatory - looking to deceive old and minority customers with practices described below. Not to mention the previous issue we had around them trying to convince us to select 'interest only ' repayment when we opted for 'fixed ' repayment. 'Interest only ' repayment would have made this loan unaffordable and likely lead to us losing our property. I believe they made this recommendation to do exactly this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since I began my banking relationship with Truist, Ive experienced nothing but issues. 

The latest issue is around how payments on my HELOC have been/ are being applied. 

If you look below, you will see that we should be on a fixed repayment schedule - 30 year term with monthly payment of {$970.00} to be applied to both principal and interest. 

Whats actually happening is not this and I need answers ASAP. I tried engaging XXXX  and XXXX copied on this email but still feel as if Im getting the run around as no solution has been reached. 

For XXXX - XXXX, I owed a balance of {$72.00} for interest accrued. I made this payment. 

For XXXX there was no payment due on the account, but I remitted {$970.00} in XXXX, which was applied to principal and interest ( ~ {$700.00} to principal and ~ {$200.00} to interest ). Unclear for what month this payment shouldve been applied to but if no payment was due in XXXX, this shouldve been applied to XXXX. 

My XXXX through XXXX payments were applied to interest only- all {$970.00} applied to interest. 

My XXXX payment was applied to principal and interest but this time ~ {$800.00} to interest and ~ {$150.00} to principal. ( Reverse of how my payment made in XXXX was applied ) This is very inconsistent and not what Id expect for a fixed repayment schedule. 

XXXX XXXX XXXX XXXX XXXX XXXX Email referencing in note above ) On XX/XX/XXXX, at XXXX XXXX wrote : XXXX, good morning. I am happy to share that your HELOC has officially been locked with the following terms : Loan amount {$180000.00} Rate 4.75 % Term 360 months ( 30 years ) Monthly payment {$970.00} XXXX, as of today your HELOC has accrued interest of {$72.00} which needs to be paid today, as well as a 1 time rate lock fee of {$15.00}. With your authorization, I will debit your checking account in the amount of $ XXXXand that will conclude this process. 



Thanks again XXXX and have a wonderful day. 

XXXX XXXX XXXX / Vice President

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 2022-03-08
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have three accounts listed on my Experian credit report that is falsely and inaccurately reported. I was never notified of a charge-off of {$3.00} from XXXX XXXX . I paid and closed the XXXX XXXX account in 2019, and I never opened an XXXX, XXXX account. These accounts have negatively impacted my credit, which has caused much emotional and financial hardship with violating the FRCA due to false representation, defamation, and more.

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: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Enerbank USA - Account # XXXX The above account have 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, states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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 2023-02-01
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX on XXXX XXXX my son XXXX XXXX XXXX passed away. XXXX had a checking account with Huntington Bank XXXX XXXX, Indiana ) when i was notified XXXX XXXX was in the hospital by someone who had brought XXXX 's house keys and Identification to my home, XXXX 's cellphone was not among the items person brought too my home. One of the cards was an Huntington debit card. I made calls to Huntington Bank as well as another banking institution i was told they could not close the accounts without a death certificate, Court probate affidavit or Affidavit For XXXX XXXX XXXX XXXX. 
XXXX was laid too rest on XXXX XXXX. The death Certificate was signed and released on XX/XX/XXXX by the state. We went into Huntington Bank with all required documentation of Drivers license, Affidavit for transfer of assets without administration and death certificate. It was discovered an Fraudlent transaction had happened on XXXX account on XXXX XXXX in the amount of {$450.00} in XXXX XXXX XXXXXXXX XXXX Cell XXXX XXXX it was maybe 41 days since XXXX death, we were told too wait 45 days. Huntington replaced the {$450.00} cents back into XXXX account. XXXX did not meet the states Probate courts guideline. I spoke to an XXXX of Huntington on today XXXX, she informed me they would not be releaseing funds to me, his next of kin, they were withholding funds too go into Huntington XXXX. At the same time yhey are allowing XXXX too still process through XXXX account placing it into a {$58000.00} negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr Cooper letter dated XX/XX/XXXX says does not do balance reduction but letter before was transferred to Mr Cooper from XXXX XXXX XXXX DATED XX/XX/XXXX STATES OTHER WISE honor what was offered! Will post on social media until done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2018-06-09
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold by XXXX back in XX/XX/XXXX to Mr. Cooper. At the time we were told no changes would be made just our servicing mortgage company. Unfortunately, this was not the case.XX/XX/XXXX upon logging in to make a payment, I saw a notification of a shortage. My husbands property tax exemption was not transferred over and the shortage that was calculated was incorrect. I was told by the rep to call back 14 days later and it will be corrected. On XX/XX/XXXX I called and it was still not corrected I sent over the information via e-mail and was told it would take some time for them to complete another analysis, but it would be updated. The only thing we are paying via escrow is hazard insurance. On XX/XX/XXXX, I logged in to make a payment to see two conflicting statements. One that said my amount due was {$700.00}. And one below that said my escrow account was short by $ 39 monthly. I called Mr. Cooper and spoke to a XXXX who saw the conflicting information, and transferred me to an escrow rep, XXXX who placed me on a long hold once I explained the math and how the payment amount did not add up. I requested to have the escrow removed, and she said due to the loan not being at 80 % ( short of {$6000.00} ) she would be unable to Remove the escrow. She became very confrontational when explaining the number and I let her know that I was very frustrated because I did not request this transfer or have the ability to review any new terms that were set forth by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXXXXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, there is supposed to be a notice of dispute on the consumer report and as you can see, there is nothing! For that reason this account needs to be deleted immediately and remedy must be awarded. Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX XXXX for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

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 2023-03-27
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Nationwide acceptance contacted me on numerous occasions. The first occasion was on XX/XX/23 and we spoke about rates and they said they could beat my current rate and when I told them it was at XXXX they gave me a rate of 7.50 % and I said that is not beating it and take me off your calling list immediately. It was stated to me that it would take up to 30 days, but again on XX/XX/XXXX    they called and I said take me off your list I am not interested and I just told you this 3 days ago. I received another call on XX/XX/, said take me off your list and I told them on XX/XX/XXXX  they said it would take 30 days but you need to take me off your list, I then got hung up on. XX/XX/, I told them to take me off their list along with telling them I'm on the FTC do not call list with XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/23, and then lastly today I got XX/XX/23 and I said I was told on XX/XX/XXXX  that it would take 30 days and this is past 30 days and I asked you to take me off my list and I had enough of these phone calls. This phone call happened at XXXX XXXX  and these calls have come in at various times such as XXXX XXXX XXXX  and they came in between XXXX to XXXX on these dates. I have also received a call today XX/XX/XXXX  at XXXX XXXX  and told them I've told them time and time again I asked for me to be removed and I am now requesting {$1500.00}. They also called from number XXXX

Company response to consumer: Closed with explanation