BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr.Cooper I have contacted you numerous times to get a valid account number for extra payments, payoff and received nothing but useless information. 
Customer service is dismal, managers don't keep their promise to call back, valid e-mail addresses are not provided and you are wasting an unbelievable amount of my time by putting me on hold and passing me thru your system with no outcome. 

Who do you think you are? 

I attempted to make a transfer to the account your Customer service gave me verbally and in writing ( 3 times ) : > Bank Account # XXXX > Routing # XXXX > Bank Name : XXXX XXXX XXXX XXXX 
> Bank Address : XXXX XXXX XXXX, > XXXX XXXX, CA XXXX The payment bounces back because the account is not recognized. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Information belongs to someone else

Complaint:
In an effort to get personal information that does not belong to me removed from my Equifax credit report, I have called Equifax on numerous times. They refuse to correct the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid 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:
I purchased an item on XXXX  with my Chase credit card on XX/XX/XXXX. The item was marked as " hand delivered to a resident '' when no one was home. I live in an apartment building and checked everywhere and with all my neighbors but no one had seen my package. I notified XXXX  and they sent a free replacement on XXXX XXXX which I did receive. The item was defective and not to my liking so I returned the item at an XXXX  location near home on XX/XX/XXXX. Nearly a month later the charge was still showing on my account so I disputed the charge. A day or two later on XX/XX/XXXX, I received an email from XXXX  stating that they had received my item and the return was complete.On XX/XX/XXXX the refund was posted on my Chase account. On XX/XX/XXXX I received another email from XXXX  notifying me they had received the dispute from Chase. A few days later I called Chase to cancel the dispute and I thought that was the end of it. Apparently, the claim was never closed, and XXXX contested my dispute with Chase with proof that I had been sent a replacement. The dispute was reversed and on XX/XX/XXXX I was rebilled for the item that had been returned on XX/XX/XXXX. I have called XXXX on several occasions and they tell me that all they see on their end is the original charge and the refund, no rebill. I have also called Chase 's claims department on several occasions and have been given several different stories : - " The rebill just posted yesterday, give XXXX a few weeks and they should see it in their system '' - " The dispute cancelled out the refund, you need to call XXXX to refund you again '' - " The rebill amount is sitting in XXXX 's bank ( which XXXX claims is Chase ) because of the dispute and they just need to contact their bank to release the funds '' - " XXXX never refunded you, the refund you see is because of the dispute '' Chase refuses to reopen the claim because XXXX has proven that a replacement was sent ( not the issue ). 

To date, no one can figure out where the money is. I don't have it, Chase doesn't have it, XXXX doesn't have it.They both keep pointing fingers at each other and I'm left with a balance I shouldn't have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was not aware of the very high interest of over 200 % or was not given a full details of the loan agreement beside the loan agent stating I could pay over time. Never once did the agent showed me the loan screen beside telling me to sign. Was in a financial hardship with lost job and needed the funds to pay rent and buy groceries to feed my family and thought that the installment payment agent state would go towards lowering the loan in time. Got a XXXX loan and have paid {$1000.00} a month since XX/XX/2023 and probably have paid over the amount of the original loan but amount still remain the same. : ( They threatened to take my only car that I really need to survive and care for my child because I can no longer afford the high interest payments that they have lied to me about. I need help getting out of these loan shark high interest TitleMax place that have lied to me about the installments payment overtime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: DC
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 XXXX inquiries that I did not made in my profile. 
, late payment that is showing on my report supposed to show how much percent in 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 explanation
Consumer complaint received 2023-05-05
Company: CITIBANK, N.A.
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 Federal Credit reporting Act this creditor has violated my rights! Under Article 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15 US.C. 1681 section 604A Section 2 it also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2018-04-23
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
After I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, The original servicer, XXXX XXXX had already started transferring the servicing of the loan to Nationstar on XX/XX/XXXX. Once again trying to collect on a debt that they cancelled in XX/XX/XXXX.

I am asking once again that their lien be removed because XXXX has already collected over {$80000.00} from me in payments. I did not accelerate lien in any way. The servicer XXXX  canceled the debt before acting on the lien in XX/XX/XXXX generating revenue for me. They did not however release the lien. Now they are trying to seize my home with the lien by way of foreclosure, and simultaneously trying to collect the debt by transferring the loan to another servicer Nationstar.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I received a deposit of {$1200.00} from my job. I was paid bills, ate lunch, and by around XXXX that day my card started declining with funds still on the account. I called in and they told me my account was closed but refused to tell me why. I went to the branch the following day, and they still refused after calling back office. It is about to be the holidays and I can not wait this long for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: MD
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 following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 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 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 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 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2021-10-01
Company: Heartland Resolution Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a letter from Heartland Resolution Group on XX/XX/XXXX intending to collect a debt that was already charged of as the original date of service was XX/XX/XXXX. I then started to receive calls from XXXX that lead to them. I called back and spoke to XXXX and I told her that I would be filling a complaint. I specifically asked not to contact me any longer. I just had to block the number as they called again after asking them not to do it. It seems like they're buying old charged off accounts that surpass the seven year mark and trying to submit it as new. The information on this letter is the account number they assigned of XXXX with an original account of XXXX. The original creditor is TX XXXX XXXX and date of service was XX/XX/XXXX. The letter stated that they purchased the account from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I've disputed this account numerous of time. With the FTC, CFPB, and had an attorney. Navy Federal Credit Union could not confirm anything. Instead they continue to lie about me making payments to keep it ongoing. I provided proof that there were no way to make a payment after they lied to my attorney on me going online to make a payment. They've taken over {$1000.00} out my personal account to furnish the debt that claim I acquired. If over {$2000.00} was taken out my personal account by them for the credit card why is the amount still he same? The original credit card limit was {$5000.00}. and now the balance is over {$9000.00}. Something very fraudulent is going on. I've filed a dispute when it was brought to my attention. I was informed that I didn't have to do anything else. Every time they were asked a question to validate anything pertaining to the credit card. 

The only access there is, is of my current checking and savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
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 non-monetary relief
Consumer complaint received 2021-10-01
Company: CORELOGIC INC
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: Information belongs to someone else

Complaint:
I have contacted Police enforcement, submitted FTC Identity theft affadavitm, called XXXX multiple times, and the furnishers to explain about FRAUDULENT CREDIT INQUIRIES. I have submitted multiple CFPB reports about this problem. My personal information was used without my permission to applications. I demanded these fraudulent inquiries be deleted. I was told by XXXX rep that companies have to respond back to their request in 30 days for inquiries to be deleted but IT HAS BEEN OVER 30 DAYS YET FRAUDULENT INQURIES STILL ON MY XXXX CREDIT REPORT!!! 

1.CREDCO XX/XX/2021 2. XXXX XXXX XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 4. XXXX/ XXXX XXXX XXXX XX/XX/2021 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 2021-10-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase has charged me for late fees and interest three times throughout the past year when I've been a day late on my credit card payment even though their own guidelines and the law state that there is a 25 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: FL
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 Convergent accounts : ( XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2020-02-25
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2020 I received a letter in the mail ref XXXX and so I called them on XX/XX/2020 at XXXX XXXX. I spoke with XXXX that was very rude after I told her I wanted an itemized statement on this account because we had paid a lot on this bill already and thought it was paid off. She then said no there is a balance and if you do not pay it today she would put it on my credit to go against me. This bill is for a XXXX year old child. I told her that I wanted it sent to the original creditor and she said she would not and there was nothing the FDCPA could do about it and hung up. I then called and spoke with her supposed manager to  report her behavior and against the law debt collecting tactics and her name was XXXX which she told me about 3 other accounts that were there that have been paid off with taxes. She still refused to get an itemized statement and told me I would have to contact the other places at which she denied any phone number for.

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 2023-05-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 
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 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 2021-10-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Chime Financial Inc
State: CO
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 account was charged {$40.00} on XXXX at XXXX by a company that shows up as " XXXX Tx Verify '' with " XXXX., WY, XXXX '' as the description. Assuming the location is in Wyoming, as I've never heard of or dealt with this business. I am in and live in XXXX, Colorado, and had transactions literally 2 hours before this one at a XXXX gas station, where I put fuel in my wifes truck for the amount of {$45.00} exactly, which she sent me that same amount back to my account within 3 minutes. 

When I disputed the claim, XXXX  is now saying this is a " funding event '' for the fraudulent charge, even though clearly it was for the {$45.00} spent immediately prior. 

Now they're refusing my claim again after I asked for review from providing this information, questioning their competence and reading comprehension, stating it's denied due to " account history, spending history with the merchant/recipient, transaction data '' but can not, or will not, provide details of any prior history. 

My fraud claim is being denied again and I doubt they're even looking at it, because I was under the impression that if I didn't make the purchase ( clearly I didn't here ) I wasn't liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
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 non-monetary relief