BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I Currently have gone through a divorce and have been in the process of having my Ex-wife ( CO-Borrower ) removed from my VA loan. ( Release of Lien ) I reached out to the VA and they informed me that they no longer have direct connection in the process of having to have a VA form XXXX filled out, and that the mortgage holder can complete a release of Liability for the co-owner completed directly with your mortgage company. Which for me is Truist Bank. I have been in contact with Truist since XXXX of this year. I reached back out to Truist on XX/XX/XXXX and informed them of the information that I received from the VA in the following quote " Hello, Thank you for your response. 
As of XXXX XXXX, all VA loan servicers/holders have been empowered to complete this process for you directly without VA review and processing. 
For further assistance, please submit these documents directly to your mortgage servicer/holder that you make your monthly payments to. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Veteran Affairs XXXX Regional Loan Center Email : XXXX '' Ever since that date ( XX/XX/XXXX ) I have yet to receive any further action from Truist. I have followed up with them multiple times and sent all required documentation to them for Quit claim deed signed by ex wife, detailed legal separation agreement. etc. Yet Truist has not yet fixed my mortgage or complete the ( ROL ) to have her legally separated from my VA loan. 

This issue has become a major concern as to my legal documents with the separation this action was supposed to have been completed soon after the divorce. Because of the inaction from Truist though they have managed to put me in a time-consuming bind. Truist is not fulfilling their requirements of my request and the sanctions of my VA loan as well as the direction of the VA to my understanding. 

I really need this completed and it feels almost as if Truist is attempting to force a refinance or something other than what is right. I have also been informed by one of the persons working at Truist that I am not the only veteran dealing with this same situation. 10 plus other veterans are in my same position and Truist is putting every single one of them on hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/22 check # XXXX was made payable to XXXX XXXX XXXX, XXXX for XXXX for our monthly rent payment. This check was mailed on XX/XX/22 to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, WI XXXX from our office building drop in locked was mail box. I received an email from XXXX XXXX asking/stating they had not received payment. We looked in the business online bank account and saw that a check was cashed on XX/XX/22. Digging further, we pulled up an image of the cancelled check and saw that the check had a different payee ( XXXX XXXX ) with a New Jersey address. The date of the check, the dollar amount and signature were the same as the original check. We decided to contact our bank representative as this was clearly fraud. We contacted him on XX/XX/22 and he notified us to contact the fraud department. We immediately contacted them and they emailed an affidavit to complete. This was completed and returned to them via email on XX/XX/22 and then were given a case number. We also contacted our local police department and filed a victim statement of fraud. The detectives research found that the fraudulent check was deposited at a XXXX XXXXXXXX XXXX in XXXX, NJ. The detective shared his findings with PNC bank. We have been told by PNC bank that this is a counterfeit check, however PNC entered it as an altered check and this may be why it was held up. She admitted that the bank made the error. This was on XX/XX/22. That day we then filed a complaint with the OCC. A PNC bank representative called the office the next day and twice since then to only tell us that they are still investigating the issue. This has been ongoing since XX/XX/22, more than enough time to have investigating the issue as the police detective got a confirmation of check fraud within weeks. 6 months of receiving the same answer from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a BBB complaint against Exeter Finance Corp on XX/XX/XXXX for inconsistent credit reporting for a repossession in XX/XX/XXXX ; after numerous disputes with the creditor ( Exeter Finance ). I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the BBB ( XX/XX/XXXX ), this company has been reporting this account closed one month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5  days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the BBB complaint below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been an HSBC Premier customer with both banking and credit products for approximately 4 months. From the beginning, HSBC has had on file both my residence address and a separate mailing address. The mailing address is also considered my credit card billing address. 

My mailing address as given to HSBC for all of my deposit and credit accounts is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX In my deposit accounts at HSBC, they have my mailing address correct and there are no problems. However, in my two credit accounts, HSBC negligently and carelessly lists my mailing address as : XXXX XXXX XXXX For some reason, their staff is not only incompetent, but also illiterate whereas they remove all vowels. 

I have corrected this address online at least six different times. After each correction, two days later they revert the correct address back to the illiterate version. I have phoned HSBC and spoke with their dedicated address change team and explained this issue and they corrected the issue on at least 5 different occasions. Again, two days later the illiterate version of my address reappears. 

This is causing me serious problems. HSBC has caused the incorrect and undecipherable version of my address to pollute all four of the major credit bureau files in addition to XXXX. In addition, this intentional and negligent pollution of of my credit bureau files has caused me to be denied two times for credit. Creditors decline my applications because, they state, " Unable to verify my identity ''. When I call these creditors to ask for an explanation, they state that the address I give on my application does not match the address on my credit bureau files. 

In addition, HSBC 's willful, negligent and incompetent conduct has caused me to have online purchases denied when the seller uses the Address Verification Service provided by the major card association. 

I have provided two attachments. One shows how I correct the HSBC address error. The second shows how the error reoccurs within two days of a successful correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-03-15
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
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:
Ive asked the XXXX XXXX  XXXX XXXX and McCarty burgess & Wolff to verify the information on my credit report has been accurate and they agreed disputes were summited and closed. Inaccurate information including delinquency dates and amounts on all three credit reports, XXXX, XXXX, and XXXX XXXX. 


McCarthy Burgess & Wolff XXXX XXXX XXXX XXXX OH XXXX I am formally requested them to validate that this account actually belongs to XXXX XXXX XXXX XXXX and confirm the reporting is accurate. Also according to Fair Debt Collection Practices Act the FDCPA Law A debt collector may not collect any interest or fee not authorized by the agreement or by law. Any misreporting violations of my agreement should be immediately removed and deleted off my credit report. 

I am formally requesting that the account with be considered for deletion and all trade-line listings that were submitted to the three major credit reporting agencies be deleted due to inaccurate reporting for law violations. 

Supporting documentation includes myfico reporting of all 3 major credit bureaus, fair, credit, reporting act, and signed notary. 

License Social security And other documents uploaded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: CT
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  and XXXX has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: SUNRISE CREDIT SERVICES, INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2023. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX SOLD TO SUNRISE CREDIT SERVICE. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-04-23
Company: PHH Mortgage Services Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my loan transferred from XXXX to PHH ( www.mortgagequestions.com ) on XX/XX/2019 and closed on my property XX/XX/2019. Title company sent payoff ( amounts given by XXXX because PHH did not have my account on file and stated takes 7 days to create one ) on XX/XX/2019 via wire to PHH. On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called PHH to find out why the account still has a balance with the payoff sent on the XXXX and every single time I am put on hold for more than 30 minutes by the representative that they will look into it and then the line gets disconnected. Sent email via their contact form on XX/XX/XXXX and still no response. 

This lender ( PHH ) would not provide any information and I am worried that will get assessed fees, ruin my credit, and there are issues with the wire payoff. It is very frustrating not being able to get information on something that can affect someone financially and the lack of accountability and professionalism from the representatives. 

The phone number I try to reach them at is XXXX. 

Please tell me how can I take care of this issue without any further complications? 

Thank you in advance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase received two direct deposits in my checking account totaling {$26000.00}. The first deposit was made on XX/XX/XXXX for {$21000.00} and the second deposit was made XX/XX/XXXX for {$3300.00} When I called Chase in XXXX of XXXX to ask when my funds will be available they told me " your funds are suspended '' and that I had to call XXXX XXXX with Chase Fraud And Investigation Services. 

I've been calling XXXX XXXX and leaving voicemails since XXXX of XXXX. I never received a callback. 

Every-timeI call chase for an update ( 17 months later ) the customerservice team tells me the same thing " call XXXX XXXX XXXX XXXX 
I walked into a branch XX/XX/XXXX and they told me I'll receive a call back from XXXX and never did. 

XXXX XXXX does not answer her phone and has been out of the office since XXXX of XXXX. The number to XXXX XXXX is ( XXXX ) XXXX - XXXX Chase told me that XXXX XXXX works at a back office and they don't have access to her. 

I never received anything in the mail with details for my funds availability date. 

I received 1099 's for the income and can't access the money. 

I also had debt that was discharged in a month after receiving my direct deposits ( XXXX of XXXX ) in my second account so there's no reason for my money to be held this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Car Credit Inc
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I applied for a vehicle at XXXX XXXX XXXX XXXX XXXX  and was denied for having a repossession and credit report, said company above is attempting identity theft by not returning my application with my information on it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: GLOBAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wallet was stolen and phone and the following transactions made it was a XXXX for me on XXXX XXXX. I didnt get my phone back to the XXXX of XXXX. Found out they were fraudulent charges made. Call my bank disputed them They also deposited a fraudulent check that I was told I wouldnt be faulted for and now theyre trying to tell me that everything is my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2021-10-28
Company: Selene Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received foreclosure letter from attorney, Submitted modification request with financials. While my request for modification was being processed, I've tried to call the mortgage company several times I'm hung up on, put on hold. I call back the phone rings and no one answers. I have been calling for several weeks. Finally spoke with XXXX today Selene Finance she stated I never should have been mailed a foreclosure notice while they were working on modification request. I have received several denials all the denial reason have been different. One denial stated a report from XXXX was the reason for my denial. Another denial stated insufficient income, because they had my income incorrect, did not look at the paystubs, bank statements and tax returns, lastly I had a debt ratio issue, I don't understand how. I have read modification are based on your income, I am aware there is a covid 19 modification and other mortgage assistance programs. Did they reduce my interest rate, and monthly payment so I could keep my home. I want a modification and not to be put on a forbearance with is a catch up plan. 
They also refused to give me a forbearance because I was affected by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Faiir Credit Reporting Act. Everything has to be 100 % accurate on my credit reports.The credit bureaus stated my account was properly investigated but as you see it is not and still reports inaccurately. Remarks are in accurate. Last day of activity is inaccurate on all three bureau reports. Payment history is inaccurate. Address is different on all three bureau reports. My privacy may have been violated as well with all three passing information around without my knowledge of it and where placed on my resports without my knowledge. None of the debts have been violated from the bureau as I requested on my letters. This also may be a violation as well.

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