BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Bread Financial Holdings, Inc.
State: NY
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:
My XXXX XXXX cards were transferred from XXXXXXXX XXXX  XXXX to Comenity on XX/XX/2022 through Bread XXXX  On XX/XX/2022 there is a {$19.00} charge for Bread XXXX which I can only assume is an activation fee which I did not agree to nor authorize. I could not access my account on their website until XX/XX/2022 which is when I noticed the charge. When calling the company on XX/XX/2022, I was told that they could not tell me what the charge was for. I then requested that my 2 cards be cancelled and that my account be closed. The cards are still active and my account is still open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: PA
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 XXXX  account numbers has violated my rights XXXX- XXXX XXXX  XXXX XXXX XXXX- XXXX 15 usc 1681 section 602 ( a ) states I have the right to privacy 15 usc 1681 section 604 h section 2 It also states a consumer reporting agencies can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Verisk Analytics 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Once again, Mr. Cooper has continued to research and find answers to our question regarding our loan. Because of this reason, we have now uncovered the beginning of this ordeal, starting from XXXX. Where apparently the loan became pass due : We have received the arrearages/past and a due letter of explanation. Thank you. However, we could not follow what happened with two payments of {$1200.00} on XXXX and XX/XX/XXXX? After researching, the arrearages which reflect XXXX payments and not any discrepancies post-BK which was deemed paid up to date. According to our notes, we requested modification during the start of XXXX. We are requesting an itemized statement to account for a balance of {$15000.00}. As of todays date XXXX, with the help of the representative from Texas ligation/financial help department, we are requesting modification aid and we are appealing the recent 6.85 % interest rate. As a result, the modification documents due XX/XX/XXXX should be voided. Mr. Cooper has responded over the phone the interest rate of 3.85 % was an error and could not be granted. Furthermore, we were told this could not be granted because we were already delinquent when XXXX suffered a flooding disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed promptly because I will not wait another 50 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2021-07-28
Company: MARINER FINANCE, LLC
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:
XXXX XX/XX/2021 I was the victim of identity theft and someone fraudulently applied for several credit cards using my credit info. When his was disovered all 3 credit agencies were notified and a security alert placed on my credit. 

On XX/XX/2021 someone once again tried to fraudulently use my credit to obtains an installment loan with a company called Mariner Finance. The application was denied. 2 of the 3 credit agencies correctly identified this as fraudulent and it was not added to my credit.

The 3rd agency, XXXX, added the fraudulent attempt to my credit as a hard inquiry that affects my credit. I filed a dispute with XXXX  notifying them of the fraud and reminding them that this occurred before and that my account was under a security warning. XXXX  has refused to remove the hard inquiry from my credit file. 

Mariner Finance also has not responded to any communctions requesting that they notify the credit agency of the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 

The FCRA, specifically 15 U.S.C. 1681 section 602 A, grants me the right to privacy.

In addition, 15 U.S.C. 1681 Section 604 A Section 2 prohibits consumer reporting agencies from furnishing any account information without my written instructions.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse item of information, except for records of convictions of crimes that occurred more than seven years before the report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing inaccurate information about a consumer to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 letter is about the following accounts : COLLECTION : XXXX XXXX, which you claim, I owe [ {$440.00} or my account was charged off {$440.00} ]. COLLECTION # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ] .This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2018-03-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper, formerly know as Nationstar, is reporting erroneous information regarding my payment history to the 3 major credit bureaus causing me to have undue stress.Since they acquired my account in XX/XX/XXXX from XXXX, there has always been some sort of problem. In XX/XX/XXXX, I spoke with XXXX XXXX a manager regarding the removal of the escrow from my account. He informed me that I had to pay {$2700.00} to have the escrow removed and make my mortgage payments what they previously were {$800.00}. Nationstar received the payment of {$2700.00}, Confirmation # XXXX, however, they continue to put my payments as late payments or missing payments. I have spoken with multiple people there almost on a monthly basis to try to correct this problem. here are some of the names of the employees, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. I have attached my banking information showing the amounts paid with the confirmation number. Mr. Cooper is saying I have a late payment more than 30 days. On XX/XX/XXXX, I spoke with XXXX XXXX regarding my account. She initially stated I was in arrears. After reviewing my account she stated she could see where I made the payments but she could not find where they posted the XX/XX/XXXX payment. After further review she said she found the account where it was posted, a holding account, but did not know why or how to get it removed. I was told she would call her manager, XXXX XXXX, and get back with me within 48 hours. As of today XX/XX/XXXX, she has not called back nor has she responded to my calls to her direct line. My complaints are Mr. Cooper is : reporting erroneous information causing me to have a negative reporting mark, misapplied payment history creating an inability for me to refinance, misappropriation of funds, causing my credit score to be low. 
XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 5XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 8XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 1XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX All of the above payments were made via online banking. A copy of the bank statement is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: TN
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:
Equifax is in violation of the Federal Law by willfully not complying with the FCRA. XX/XX/XXXX - Notarized correspondence sent certified receipt to inform Equifax of inaccurate and incomplete information within my consumer report. I requested verifiable proof such as contracts with my signature and who they spoke with and the documents they used to verified the alleged information within my consumer report. XX/XX/XXXX - Conformation # XXXX letter from Equifax states they verified information with original creditor furnisher of information. They sent some general statement about using an electronic system to verify information. XX/XX/XXXX - Another notarized correspondence sent certified mail requesting documentation and persons they spoke with to verify inaccurate information. Equifax did not provide any verifiable proof again and with a willful spirit to overlook the Federal Law when it come to reporting Public Records ( i.e. Bankruptcy ), Equifax falsely stated they verified a bankruptcy within my consumer report with the Federal Court ( TN ). XX/XX/XXXX - I sent a correspondence to the TN Federal Court requesting if they communicate and/or verify information via phone, fax or email. XX/XX/XXXX - I received a correspondence from the Federal Court ( TN ) that states they do not communicate or verify information with third party bureaus. XX/XX/XXXX - Conformation # XXXX letter from Equifax states again the inaccurate information has been verified. THIS IS A CLEAR VIOLATION OF MY RIGHTS AND THE FEDERAL LAW. I also have a Security Freeze on other bureaus that Equifax claims to verify information through such as XXXX. The egregious errors are continually defaming my character in the financial market.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XXXX of XXXX my wallet was lost. I reported the loss to my bank, USAA, immediately as required but by the time I had noticed my wallet was gone, the next day someone had used my card to withdraw approximately XXXX dollars and used it for an unauthorized charge of about another XXXX. I called USAA and froze my card and let them know those transactions where unauthorized transaction. On XXXX XXXX USAA denied my fraud claim stating that pin authorization means that said transactions where authorized by me. This was not the case, I've told USAA that there where six different atms used and everyone one of them likely has a security camera that would show someone other then me withdrawing cash from my account. I have called USAA again but it seems to no avail. All I want them to do is pull the footage from the atms to see it was not me making those transactions, it seems this case would be a very easy one to prove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Accelerated Receivables Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My doctor used a company called XXXX to process routine lab work I did. Soon after the lab work was done, I got a bill from XXXX. My doctor explained that the bill was paid by XXXX and no need to worry. Over a year later, I got a letter from a collection agency named " Accelerated Receivables Management, Inc. '' stating that I still owed money to them because of XXXX. I went back to my doctor and he explained that the debt had been paid by XXXX and it was a practice that they were known to be engaged in. I would like this to be investigated as I am being told to pay a debt that was said to have been paid for already.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-05
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today 's date is XX/XX/XXXX @ XXXX. I am currently on the phone with a Mr. Cooper representative to address the status of our request for a reasonable modification of our loan. We have made three trial payments, but as yet have not come to an agreeable, acceptable modification. We have also questioned why there are arrearages totaling $ XXXX. Please explain where this came from ... ... furthermore, modification letters revealed the interest rate is not adjustable and subject to change. WE ARE ONLY INTERESTED in a fixed rate, preferably lower than 6.85 %. 

Addition comments made via email to XXXX XXXX : I have received the documents that were included in your previous email to me. As of today, I have spoken with a supervisor in the modification/ligation area or financial assistance to help explain those documents and answer remaining questions. We have noticed there is an arrearage ( accumulations of payments ) on our loan. Could you please explain this? For informational purposes, I have included a pdf of payments that were applied to the account and deemed complete and current after our bankruptcy in XXXX. 
Further, we have questioned the interest on our loan during modification request and was told a mistake was made in offering a 3.86 interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-07-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 - I ( we ) have ben with Wells Fargo for many years. Up until now they seemed to be good to us, just a bank I guess. Recently I ( we ) sent money to our niece. This wasnt the first time and we have never had a problem using XXXX before. So we sent her {$500.00} I couldnt get ahold of her to confirm if she received it. When I did get a hold of her XX/XX/2021 to confirm she said she did not get it. So I called Wells Fargo and they opened a case. Case XXXX. I was told it looked like it was complete but something was not right, it was pending for some reason. I was told it could take up to 12 days to investigate but should only be a day or so. So I thought I would delete my niece and add her back in, sometimes this works for other stuff. So I did. Still nothing in my nieces account. I called back and was told it might take 12 days. I waited and called back in 12 days XX/XX/2021. I was told the case was closed, the transaction was processed as requested. NO, NO it was not. My niece still did not have the money. The case was reopened and I was told it could take another 12 days. I feel like I was being put off. When I called the lady on the phone treated me like I was doing something wrong and wanted to talk to my husband. Neither one of us was very happy about that. She kept saying the email address the money was sent to was not the email address we could see on our end. She said the money went to a different email address than what we told her, so I took a picture with my cell phone even though my husband read her what we were looking at she kept telling us that is not the address she was seeing, so again we waited another 12 days only to get a letter stating the case was closed again. This isnt right, its not {$25.00} dollars, its {$500.00}. Wells Fargo basically told me to try to get it back myself. I did send an email to the address she said the money went to and requested the money back. I did not get a reply. I knew I wouldn't, but I tried. My niece has since closed her Wells Fargo account. n Once this is all settled, we will do the same.

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