BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
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:
XXXX XXXX XXXX is reporting a loan that was paid in full by XXXX XXXX XXXX XXXX XXXX as I did A refinance on vehicle. Yet XXXX is still reporting the account open and recently reported account late even though account is CLOSED but its not reporting as CLOSED paid in full with the XXXX credit reporting agencies. XXXX is falsely reporting inaccurate information on this account which is negatively impacting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Hello, I would like help with my Barclays credit card XXXX account. A few weeks ago without any kind of notice my credit limit was lowered {$11000.00} to {$7500.00}! I use this credit card for everything because of the rewards to my son 's XXXX plan. This action is not fair to a good customer for over 15 years. 

I have NEVER paid late and I pay the entire balance every month. I received a letter stating that I had too much unsecured debt and that is why it was lowered. I have had debt for several years and slowly paying down each month so that explanation makes no sense to me. When I called for help I was connected to XXXX who did not listen to me and kept judging me about my debt. This decision by XXXX also lowered my credit score XXXX points. 

I am requesting my credit limit to be at least $ XXXX and also a better explanation for unfairly making this extreme reduction. 

Thank you, 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 explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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:
On XX/XX/XXXX I contacted Experian about the following negative accountXXXX 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 Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2017-10-22
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get a loan modification from Nationstar ( now Mr. Cooper ) since XXXX XXXX  2016. We have been giving loan modification paperwork which we have filled out. In XX/XX/XXXXwe were given a modification whereas we sent in a XXXX XXXX money order of ~ {$2600.00}. We did not hear back from them and after a month we contacted them and Nationstar said they never received the money. We received a notification from XX/XX/XXXX that the money was never claimed. We gave Nationstar all the information from XX/XX/XXXXand after much deliberation we were given another chance for the modification. Sent in all required paperwork again and again, never heard back from them. I called Nationstar in XX/XX/XXXX asking about the modification and they stated they never received the information. I sent them the email with the documents and the date it was sent. again, everything seemed to be ok until we received another notification we needed to supply bank statements now. after that we had to send a copy of my wife 's Social Security Card. even though the number was on the forms they sent.
we just received in the mail yesterday saying they could not go forward with the loan modification as we have not supplied them with the proper documentation.
FYI -- - I spoke with management of Mr. Cooper inXX/XX/XXXX telling him I would be contacting CFPB. they strongly suggested I do not do that. However I do not know what else to do and I would like help resolving this issue.
thank you in advance for your help in this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XXXX Nationstar Mortgage is refusing to give details as to some XXXX of unspecified charges that were added to our Mortgage. Our mortgage Balance is XXXX now when our first Mortgage note was XXXX 10 years ago. We were never more than 3 months behind on our mortgage thus there could never be XXXX in deferred interest. We realized the seriousness of the issue when we contacted Nationstar for a refinance and were told that there is a specified second mortgage on the house and that they could not refinance us, nor could anyone else. We do not have a second mortgage, we make XXXX payment. 

Sequence of events : XXXX XXXX : We had contacted Nationstar for some account research with an official XXXX request. They assigned a number XXXX. 

Representative XXXX XXXX in XXXX Tx began to investigate the issue and could not explain what the charges were except to say that they were added during a government sponsored making home affordable modification. 

On XXXX XXXX, XXXX she confirmed Nationstar does not have the actual details of the charges and that they were reaching out to the mortgage owner. I have attache said correspondence. 

XXXX XXXX stopped talking to us and everyone else can no longer see the case. XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX were all involved in or first mortgage origination and modification, yet they all seem to have thrown out all the evidence. 

We ask that the CFPB give XXXX XXXX a deadline to accurately detail the charges that build up our balance higher than our original note. This can not be called " deferred principle '' because we did not originate this amount. They need to describe each line item as a fee, penalty or differed interest and back up with the proper paperwork. If not done in a timely fashion, we ask CFPB assist in removal of this fraudulent amount. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing is the most XXXX  mortgage servicer out there. They have bought insurances on my behalf even after sending proof of coverage on numerous occasions. They have bought coverages that are not required in the state of NJ such as wind coverage therefore throwing off my escrow balances. After I called numerous times to resolve this they finally admitted wind coverage was a mistake on their end. With the addition of wind coverage this took my monthly payment from {$3500.00} to {$4500.00} per month. Even after I called and this was removed from my loan and on XX/XX/2023 they secured {$4500.00} payment instead of the {$3500.00}. Called in and spoke to a rep who said they cant do anything and to wait until XX/XX/XXXX until the original payment goes into effect. This isnt the only issue Ive had with Fay Servicing in the past. I have been told I am able to remove escrow services from my loan from a few reps then when requesting this to the servicer via email they refused and deny this. They should not be handling anyones escrow as they are making mistakes and costing me money as well as time to get this resolved because of their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies XXXX, TransUnion, and XXXX this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
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 belongs to someone else

Complaint:
On XX/XX/2022 I opened a dispute with several accounts with XXXX explaining that I didn't authorize the transactions. They then updated my credit profile with no resolution or change on XX/XX/2022. They are in violation of 15 US Code 1681I - Procedure in case of disputed accuracy. Their investigation was done in an improper manner. They didnt reach the right results. They left me with false credit reporting. I asked them to provide me with whom you talked to at these companies and to provide me with original credit documents and or evidence confirming that these reportings made by these companies of reference are legitimate and were validated by me. They, for the 2nd time, closed my dispute and didn't provide me with any proof and just left me with reportings again. It's already been more than 60 days and with no resolution nor did they send me anything in the mail. I am now demanding they remove it since they had more than enough time to investigate it and to provide me with what i was asking for. The companies in question are : XXXX XXXX  XXXX - {$300.00} XXXX XXXX XXXX XXXX - {$610.00} XXXXXXXX XXXX XXXX - {$2600.00} XXXX XXXX XXXX XXXX  XXXX - {$300.00} XXXX XXXX XXXX  XXXX - {$990.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX- {$460.00} XXXX - {$900.00} XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$140.00} Remove them now. you are violating my rights and now its consider fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
I called Barclays and requested to close my account in XXXX. The representative said I needed to pay off the balance to do so. I paid off the amount the Barclays representative requested and he verified the account closed. 

2 months later they sent information to the credit bureau that I was 30 days late on a payment and my score decreased by XXXX points. 

I called Barclays XX/XX/27 and spoke to the representative. She confirmed that I paid off the account and closed it in XXXX. She told me that there was a {$15.00} charge that Barclays generated onto my closed account after the account was paid off and closed. She explained she could waive {$9.00} but the rest had to be waived by another department. The next department verified that they saw the notes made but could not waive the {$6.00} or help me with the negative credit reporting. I insisted she take this up to a higher level and she said she would open a case but cant guarantee anything. She also verified that in their notes I paid off my account and closed it. She gave me some explanation that Barclays was generating a late payment charge the same day I paid off the balance and therefore once I closed it, that amount still attached to my card. I challenged that explanation as the first rep that gave me the payoff amount confirmed the amount to be everything that was owed. 

I feel this is fraudulent and they have no right to report this as a late payment to the credit bureaus.

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 monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or remove the following items that are harming my credit : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello! 

I have a problem with Chase Credit Cards. I was a Chase Sapphire Reserve customer, and after they increased the membership fee I decided to terminate my account. I did that through a call with a Chase representative on XX/XX/2021. 

At the time, I had XXXX points, which is equivalent to ~ {$1300.00} if used for airline tickets, for example. During the conversation with the agent, my wife was told we had 3 months to use the points before they disappear. In early XXXX we logged in to our account to transfer the points and discovered they are gone. 

We checked the program agreement and found that it too says clearly that If your account is closed for any other reason, youll have at least 30 days from the date your account is closed to use your points, as long as you dont lose them for any of the reasons described in this agreement. If you dont use your points during that time, youll lose them. 
Source : XXXX XXXX XXXXXXXX We called Chase, spoke with a supervisor and requested the points be returned to us. Through XXXX, the case was also allegedly escalated to their " Marketing Escalation Research Team '' and the response was " we are sorry, we will not be able to honor your request. ".

We were informed we had 3 months by a Chase agent. The program agreement says " at least 30 days ''. We clearly have the right to these points that we earned in accordance to their program. Please help us get them back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone, not me, opened a credit card in my name on Paypal. I received a letter from Paypal dated XX/XX/2023. I received the letter via United States Postal Service mail. I immediately sent an email to this email address provided on the Paypal website : XXXX I have yet to hear back from Paypal. I checked my credit report today and found that there was a Mastercard opened through Paypal in my name. The account was opened on XX/XX/2023. I have locked my credit account through XXXX XXXX XXXX XXXX. I am going to file a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Kindly remove these fraudulent items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items are inaccurate and fraudulent . Im seeking Litigation. Please delete them at once.

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 2023-02-28
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XX/XX/2023 I had a consultation for XXXX  XXXX at the XXXX  XXXX XXXX located in XXXX XXXX, Texas. My consultant was named XXXX XXXX. I did a pre-qualification for Care Credit to cover the cost of the procedure I went there to speak about, liposuction. Before I left, I asked what would be done with my prequalified letter information, and she said it would be shredded at the end of the day if I chose not to pay the XXXX $ deposit for the procedure. I did not call back because I did not wish to have the procedure there. She called me that XXXX  and I confirmed that I would not be agreeing to do the procedure. Now as I am still looking for a surgeon, Im blocked from receiving credit because of the fraudulent charges on the account I never activated. or received a card for of, XXXX dollars. This fraudster has even gone so far as to make payments for 2 months to keep the account going. I will be pursuing every remedy possible and filing charges against this establishment for fraud as well as going through this process of government notification. The address to this facility is XXXX XXXX XXXX XXXX XXXX XXXX The Woodlands, TX XXXX United States XXXX ( XXXX ) XXXX And XXXX XXXX  email is XXXX. 

This evening XX/XX/2023, I was checking my credit report to see why I couldnt get credit to pay for a procedure I want to move forward with. To find out that someone has decided to use medical credit fraudulently is a shock. The account was opened XX/XX/2023 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting 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 this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish 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 2023-02-17
Company: EQUIFAX, INC.
State: MO
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:
The account that is listed on my Credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Department Of Treasury # XXXX 15 U.S.C 1681 Section 602 A. 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 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 conviction 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation