BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 

XXXX Account # XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing ay of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedated 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 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 non-monetary relief
Consumer complaint received 2021-08-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, my Paypal account was permanently limited, stopping me from making any transactions or transferring money out of my account, without any reason given for why. I currently have XXXX $ USD in my account which I can not access. Paypal as a business has promised to provide me with access to my funds and the ability to make online transactions, which has now been taken away from me without even a reason for my ban. I have been using my account for many years and have paid a large amount of fees for their services throughout that time, without any activity that would violate their terms. My latest usage which may have triggered the algorithm to flag my account was a transfer of money from my parents, which was XXXX $ USD into my account. Contacting Paypal through their help center, social media, and phone support have all given vague responses that did not solve my problem nor give reason for my ban. The email associated with my account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 5 hard inquiries that I have no knowledge of : Bank of America XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19

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 2023-01-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX from the State of Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My employer uses XXXX to pay me. I had to open an account to obtain pay as my credit union does not participate in XXXX. I opened the account on XX/XX/2023. I informed the bank customer service rep that I needed to link an external account so I can transfer my check to a bank where I can access my funds. The customer service rep assisted me in linking the account. We completed the transfer. The bank informed me Tuesday XX/XX/XXXX that the transfer was cancelled and that was all I needed to know. I asked how I was to obtain my funds. I was told wait for your debit card to show up and then you may only obtain {$500.00} a day from the atm machine. When asked how much longer do I need to wait for the debit card I was told XX/XX/XXXX. Today is XX/XX/XXXX and no debit card, I called them again and asked when will I receive my debit card. You are on day 8, we take 7-10 business days to send your card. I was then told that it was strange that my card has not arrived yet, really the cards get to the address in 5 business days. So I was told nothing will be done until Friday XXXX XXXX XXXX. Then if the card does not arrive, I will have to cancel and reorder a new card. Again it will take another 7-10 business days after that to get another card, we do not expedite anything Ally goes on to say. I asked since you won't let external transfers go through, how do I get my funds. Well you can try XXXX at {$500.00} daily limit and a 3-5 business day transfer time. or you Can PAY US {$20.00} and we will wire it, however you called past XXXX XXXX and you will have to wait until Thursday XX/XX/2023. The fee is {$20.00} and you won't see it until the XXXX of XX/XX/2023. I filed a complaint with Ally Fraud Protection Dept. They told me that they were unsure if I would see this money, they said they could confirm that my money is mine. Fraud division said they have never seen such a mess, I went through the notes with Fraud protection and I was informed that I have never been told the same thing twice and they are unsure of the intensions of Ally Bank. Ally Bank is stealing my money.

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 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX is showing I was 90 days past due in XXXX through XXXX of 2018. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.

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 2016-10-06
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Nationstar Mortgage account, I just realized that they increased my monthly payment, because their guidelines allow them to do that, based in amount that they want to have as a " cushion ''. I never received any communication about it. I have requested that they need to remove the referenced " cushion amount '' which was never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In or about XX/XX/2019, I notice credit was established under my name without my approval. I contested this account with the credit bureaus and the creditor stated that this account is valid. I provided the creditor a notarized affidavit and XXXX Police complaint that this account was fraudulently established under my name. But, the creditor rejected the documents. The creditor is not supporting me in this matter and it is getting quite frustrating that my life has been compromise and no matter what I do administratively, it has been denied. I want to escalate matter to show a least a face to the XXXX Police and I requested the creditor to provide identifying information from the creditor so, I can see who established the account and that information was not provided. I was informed from the agent that, my name, social security number, date of birth and address is all what is needed. Photo identification is not required to open this account. I can not afford attorney and I can not represent myself in this matter in court. We conclude that our mail box was compromise and while we are at work the culprit check our mail boxes for the cards and had our information to active the cards. Since then, I had place fraud alerts with all the credit bureaus that requires ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: NC
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:
I recently sent disputes letters to XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-03-02
Company: Harley Davidson Financial Services Inc
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX is calling my home, cell phone and work phone many times a day. Sometimes over fifty times daily. The debt is over a decade old and is beyond the statute of limitations. They are threatening my family. I was told they will send the XXXX XXXX XXXX if I do not send them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Nationstar is my mortgage lender. I applied for a XXXX cash out refi to make repairs on my home. The purpose of the loan is to purchase or refinance. I need the equity out of the loan to make the repairs. that is the purpose of the loan. I have an FHA loan insured by HUD. I meet standard credit guidelines. I am gainfully employed. I have live in the home 17 years. I need a new roof and a new garage and painting upgrades to the bathrooms and kitchen also repair bathroom leaks that have caused damage. the roof is dilapidated and in serious need of repairs. the garage door is in serious need of repairs as well. I need to do upgrades in the bathroom and kitchen and repairs bathroom leaks that have caused damage. the Appraiser lied on the appraisal. she took picture of the garage and said they was the attic. She did not look at the attic. that was not true I was standing there in the garage when she took the picture. She did not make comparable comparisons to my home. Nationstar wants me to make the repairs then the will do the loan. But that is illogical. once I make the repairs I wo n't need the loan. I do not have enough money to make such substantial repairs at once and the need to be done immediately. They are not following FHA guidelines. The FHA is backing a loan on a substandard home and will not give proper resolution on the property. 
this is the statement I was sent from nationstar about the loan. 

" After receiving your appraisal and sending it to the Underwriter for review, we ca n't move forward with your refinance until the following items are repaired : '' 1. ) Have a properly functioning garage door 2. ) All peeling/chipping paint sealed 3. ) Pass a roof inspection 4. ) Pass an inspection for damage to the areas where water had leaked to lower, level ceiling and cost to cure the ceiling by a licensed contractor 5. ) A barrier constructed to prevent any safety issues for the storm drainage ditch This exactly the reason for the loan. To make the repairs.

Company response to consumer: Closed
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: AZ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I filed a complaint and asked for addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX forever court XXXX, Va XXXX I never lived at these addresses and I have accounts linked To this address someone is syncing my credit it's an account I'm asking that these addresses be removed from my account I have already submitted one compliant and you said I didn't create that compliant XXXX is another number that isn't my number Either I'm asking for this information to be removed it 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 2020-07-11
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My personal identity information was theft by someone and using it to get a credit card from XXXX XXXX XXXX. The XXXX XXXX XXXX failed to verify my personal information by using my old name ( 20 year ago ) and issuing the credit card. The person use the credit card and spend over {$15000.00} dollars in six months. The person also paying part of the payment four times during the six months and then disappeared. 

I found out this by receiving very low credit score in XX/XX/XXXX. I filed a policy report regarding my personal identity information theft. I did dispute this with the Experian credit union and the XXXX XXXX XXXX. The result came out today and my credit score still low because the unpaid {$15000.00} dollars can't be removed from my record. 

I had a house mortgage with XXXX XXXX XXXX 20 years ago with the old name but my legal name was changed two years later. I assumed that my personal information was theft from XXXX XXXX XXXX and they don't know that my legal name had changed. The person applied the credit card in XX/XX/XXXX with my old name.

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 2019-10-25
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: Account status incorrect

Complaint:
In XXXX of XXXX XXXX XXXX XXXX began to report a negative payment record to XXXX   and Experian. I have never had a mortgage with XXXX XXXX but I had a mortgage that was closed and discharged as part of a BKXXXX over 7 years ago. Case # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to XXXX XXXX back in XXXX. This is negatively effecting my credit report/score and I believe this is against BKXXXX laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.

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 2021-05-06
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
on XX/XX/2021, i sent letters to Equifax and XXXX  disputing the inaccurate information with my Bankruptcy, tradelines, name, address and job that are damaging my credit. I requested information concerning the validity of the items, as of yet i have not received anything and it was sent off certified mail/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To give you some back ground : I, along with many others, have had my home partially destroyed by Hurricane XXXX. We are in the middle of a disaster. I am making all of my mortgage payments on time while not even living at my house. FEMA flood insurance provides no coverage for living expenses so being out of my house while still having my regular bills is draining my bank account. I would like to have my house fixed as soon as possible. 
Nationstar Mortgage is making the process of getting my house fixed very cumbersome and they are causing everything take longer. 
The first issue : FEMA issued me an advance check to be able to start repairs for {$15000.00} prior to an estimate of total damages. Nationstar is also listed as a payee. I sent the check to them a week ago, paying money I ca n't afford to have 2 day delivery because I desperately need the funds to start repairs. Nationstar is requesting an estimate to endorse the check when there is no estimate yet. Now they are indicating it will be 3 to 5 days more to review all while my family and I are sleeping on couches and repairs are being further held up. Contractors have plenty of work due to the disaster and they will not work without being paid. I still have an equity loan I need to endorse the check as well. 
The second issue : Once the claim goes over 20,000, Nationstar says that they get to hold all of the funds. I do not get to have the money I need to fix my house. This is money that I am receiving from a flood policy that I paid the premium for, not Nationstar. It is not Nationstar 's money. Nationstar says that every estimate, every check, every contractor, it all has to go through them, and they will decide whether to release the funds. This will make the process even longer. At this rate, I will not be back in my house until XXXX. 
Banks should not treat people like this. They are costing my 1000s of dollars by delaying my repairs. We are in the middle of a disaster, and they are showing no flexibility. 
This business practice by Nationstar seems very shady and is having a huge affect on those in need. 
I appreciate any assistance that you can provide. Please feel free to contact me. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XXXX of XXXX XXXX XXXX XXXX began to report a negative payment record to TransUnion and XXXX. I have never had a mortgage with XXXX XXXX but I had a mortgage that was closed and discharged as part of a BK13 over 7 years ago. XXXX # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to XXXX XXXX back in XXXX. This is negatively effecting my credit report/score and I believe this is against BK13 laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.

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 2020-11-28
Company: MORGAN STANLEY & CO. LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Many, many contacts with Morgan Stanley. Finally spoke with a XXXX XXXX from the servicer XXXX who admitted they made mistake in offering options during covid. Offered to send check for 4 months which was accepted. Now statement received for XXXX and they have added these payments to the balance which is now $ XXXX. I am afraid this was a rouse to XXXX us out of fees. Please help. Ms. XXXX barely responds to me. This company has acted in a vile manner. Can't imagine why they would offer to send a check and now place us in default.

Company response to consumer: Closed with explanation