BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-05-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received an interest only mortgage for {$580000.00} through XXXX XXXX XXXX in XX/XX/XXXX which was taken over by XXXX XXXX XXXXXXXX. I fell behind in XX/XX/XXXX during the banking crisis as I am also in XXXX XXXX. The loan was modified in XX/XX/XXXX with very bad terms. It was set up for me to have a balance of {$400000.00} owed after 40 years. I asked for a more reasonable mortgage and was told this was all I could get. My alternative was giving up my home. My balance has ballooned since getting the modification. My loan was sold to Nationstar and I completed my second modification with them in XX/XX/XXXX. The new balance is over {$700000.00} and the required monthly payment is over {$5000.00}. I applied for a new modification with Nationstar DBA Mr. Cooper and was declined after four months of waiting. During this time I was advised by Nationstar to not make payments. I am now officially in default and desperately need help. I may have a sale date scheduled of XX/XX/XXXX. I am not certain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I, XXXX XXXX, have a Bank of America ( BOA ) joint checking account with my mother XXXX XXXX. The account number is XXXX. In XXXX of XXXX, My mother and I requested that my sister, XXXX XXXX, be added to the account. XXXX and XXXX are located in NC, and I am located in MA. The three involved parties went to thier respective BOA offices, filled out the required paper work, had them notarized, and the forms were submitted by BOA for processing. By XXXX, XXXX had not been added to the account. The three involved parties again went to BOA branches, and told representatives again about the request, and that the transaction had not been completed. We were assured by BOA that the problem would be resolved. By XXXX, XXXX had again not been added to the account. I went to my branch at XXXX XXXX XXXX in XXXX MA and spoke again to respresentative XXXX XXXX ( XXXX ), who again promised to resolve this problem. I gave him a week to resolve the problem, which expired on XX/XX/XXXX. I have had no communication from BOA since then.

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 2021-10-05
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I called the # listed by employer for XXXX to address that 70 % of my pay was being garnished every 2 weeks as opposed to the 25 % noted in a statement I received from the law firm that never served me the court order. XXXX has a phone prompt that direct you to a # supposedly to the XXXX XXXX XXXX XXXX. Calling the # did not take me to the Magistrates office instead it went directly to the law firm that continues to target me every couple of years for non-payment of HOA fees that cant be paid due to same law firm blocking annual payments. I attempted to pay last years HOA fees in an attempt to prevent another occurrence and was not allowed to make a payment due to my need to settle the previous alleged debt. I have brought the concern ( my disposable pay is {$1200.00} bi-monthly, {$860.00} is being garnished for an undetermined time for a dept of an amount that supposedly includes a {$1300.00} principal and {$4100.00} atty and court fees ) to my employer who keeps referring me back to XXXX who doesnt respond in person. I am a XXXX y/o single female who can no longer pay my mortgage, my utility bills, etc, etc

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 2021-10-05
Company: National Credit Adjusters, LLC
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: First Texas Auto Credit, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hi my name is XXXX XXXX and this is my second complaint my car was repossessed on XX/XX/2021 at XXXX in front of the homeless shelter that my family and I stay. When I found out about the repossession I was told that I could not get my vehicle back even when offered to pay the full balance. First Texas Auto Credit has not made any adjustments to help with payment my family and I. I have mailed them affidavit of their violations. And they still repossessed my vehicle, Even MrXXXX XXXX XXXX one of their reps XXXX was very rude even sighting that we are homeless and I dont know nothing about this business. Their actions is atrocious and unprofessional, because the same position that my family is in due the current pandemic can also happen to him Mr. XXXX. I am demanding my vehicle back, with the title because First Texas Auto Credit has made several violations according to XXXX. And cause major pain and suffering to my family and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried on several occasions to work with the mortgage company and they denied the modification. But the problem is the mortgage company is not supposed to be practicing mortgages any longer and they sold my loan to XXXX. Now I have XXXX XXXX XXXX XXXX XXXX trying to foreclose on my home and take my to court on XX/XX/2018. Ocwen who is the servicing company is telling me I need to come up with {$15000.00} to stop the foreclosure.

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: ID Analytics, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contact sage stream online for a security freeze they sent me out paperwork with asking me to send my proof of address and identity and I tried no response there email address is sagestreamll.co and called XXXX XXXX XXXX please help me fime a complaint on them they never answer phone after I filed for a freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: TX
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: NATIONSTAR MORTGAGE LLC
State: TN
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/XXXX I made my normal payment of {$1000.00}. My mortgage payment had increased to {$1100.00}. I had no previous knowledge of the increase either electronically nor through regular mail service. The normal payment was received on XX/XX/XXXX but was not applied to my mortgage payment due to the {$100.00} that was short. I received a letter dtd XX/XX/XXXX stating my mortgage was in in default. They held my payment for the entire month of XX/XX/XXXX and would not post it until they received the full balance ( of which I was unaware until the letter ). I quickly made the payment and adjusted my monthly payments. On XX/XX/XXXX I received a email from XXXX stating my credit score had dropped. I went to the website and found out the mortgage company had reported a missed mortgage payment which in turn dropped my score 90 points. Point one : I never missed a payment, they had it all along. Point two : if my score had not been excellent, this would have dropped me into the fair to poor credit range. Point three : if I  had needed to purchase something on credit I would have been forced into a higher interest rate due to Mr Cooper 's misleading information. If they did this to me what are they doing to others with less credit scores. This provides markets to capitalize with higher interest rates forced onto consumers. From the time I purchased this house I have never been late nor missed a payment. This was an error on their part and I refuse to stand by and be manipulated and I do not want to see this happen to hundreds or thousands of other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been closely monitoring my credit for the period of six months and requested for a validation of each fraudulent accounts listed on my report to be verified and validated with the original promissory note/letter. 
I received no remedy of result from this request. 
As time ensued, I discovered multiple consumer violations of 15 USC subsection 1681 ( c ), 15 USC subsection 1681g ( a ) ( 5 ) of which my information was sold causing me financial setback having negatively affected my acquisition of various items of necessity. Violation of 18 USC subsection 1028 A ( 1 ) where the knowingly transferring of my private identity without lawful authority. Several violations of Permissible Purpose reports 15 USC subsection B, where I gave no authority for reporting my credit scores.

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 2018-06-06
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have contacted both Nation Star Mtg. and XXXX on numerous occasions to get this rectified. I closed on a previous house that I owned on XX/XX/XXXX, with Nation Star as the mortgage holder and XXXX holding the flood insurance. I contacted XXXX and sent them documentation to show that the loan was closed in XX/XX/XXXX, because I received documentation saying that a bill was due for the year XX/XX/XXXX - XX/XX/XXXX. I was told that Nation Star made the payment in XX/XX/XXXX for the year XX/XX/XXXX - XX/XX/XXXX, who has changed their name to Mr. Cooper. Nation Star,  was notified in advanced from the attorney of the property and myself about the closing of the home. XXXX, advised me to send the closing statement to them again, which I did. I still received statements, showing that a payment needed for XXXX - XX/XX/XXXX. I called XXXX main number and I was told that there was not anything they could do, but the individual agent. I then called Nation Star and they said that once payment is made it is out of their hands. I am asking for help to have this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Public record information inaccurate

Complaint:
This is my 3rd Attempt with trying to correct information on my credit report from Transunion. None of these account belongs to me. I attached documents showing that all of these iusses must be resolved.

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 2018-03-05
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I initiated a sale of bitcoin via the Coinbase website where I hold an account. The sale was supposed to finalizeXX/XX/XXXX. However I never got my money. The amount was taken from my account. The Coinbase website lists this transaction as completed. 

I called Coinbase support XX/XX/XXXXto find out what happened. I was told a ticket had been created for my question and support would contact me further. They have not done so. 

I called Coinbase support XX/XX/XXXXand was told that " the system is down '' and no one, not even support staff, could see what happened. There is no date when the system will be restored. 

I've filed another complaint with Coinbase asking about my money. 

I still have money " held '' with Coinbase but it doesn't look like I will be able to get it back. 

From the Coinbase site ( about the transfer in question ) : Sold XXXX BTC for {$1500.00} USD. 
Payment will be sent to XXXX - Total Checking XXXX by Friday XX/XX/XXXX 

The sale was marked as completed :XX/XX/XXXX XXXX ( this is the reference number provided by Coinbase. ) As of XX/XX/XXXXI haven't received my money or heard back from the support staff. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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 have submitted disputes to you and didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 HAD FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES FOR INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I ALSO FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDITR BUREAUS AND STILL HAVE NOT RECEIVE ANY MESSAGES. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-10-05
Company: EQUIFAX, INC.
State: SC
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:
XXXX, and Equifax after numerous letters has refuse to remove unathorized inquires i did not give any permissible purpose or written consent. I contacted each company on my credit report and they told my to contact the credit agencies, which i have done and they still refuse to remove. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. You have not provided me with any information on how you verified these items. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit , Insurance Employment, Court Order The following credit inquiries are related to none of the aforementioned permissible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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:
Paypal limited my account without saying the reasons behind their action and waited for 180 days for me to withdraw my remaining balance. But they seize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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: Investigation took more than 30 days

Complaint:
I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
the are numerous mistakes on my trans union report and I tried to dispute and get it corrected 2 months ago with no letter mailed back to me at all. There are too many inaccurate items from status wrong to never being late to accounts that are not mine and not in bankruptcy and I never had a chapter XXXX or XXXX see attached letter for a complete list on items

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 2023-06-13
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Us Bank is withholding XXXX dollars in my unemployment account. 
Initially they asked for proof of identity, which I uploaded on their website.As of XX/XX/2020 in my last conversation with customer service they say they need my drivers license, social security card, and tax returns faxed to a number I cant validate.I can't get a name from any customer service person or talk to a supervisor.this is very suspicious and I'm not about to just send this important info to a random fax number when I've already sent it via website

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 2021-05-05
Company: Direct Account Management
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2021 I was contacted by a third party company in hopes of a loan forgiveness program for my student loans. I was lead to believe this was a legitimate company that was going to help me with loan forgiveness. I was given documents to assume it was legitimate and give the amount of {$200.00} to be taken out of my bank account 5 months in a row.

Company response to consumer: Closed with explanation