BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: CITIBANK, N.A.
State: NJ
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 called CitiThank you Preferred credit card to report fraud on my credit card account after my bank called me and asked me if I had made several payments to Citi card all at once. I had to shut my bank account down and get a new one and when I called to report this to Citi they also informed me of charges that we went over and they were not mine as well. To make a long story short Citi opened a fraud claim and took care of the charges but never took care of the fraudulent payments. Meaning somehow Citi never noted they were fraud even though it was mentioned to the Citi and the representative said she was noting the account. Well she never did and after speaking to a supervisor named XXXX I realized I had to notify someone that this can not be right and it is horrible to have proof you did not make these payments and to have your account closed for no reason. I have reports from bank and others and need to speak to someone in corporate office.

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 2022-07-22
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 Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just received Mr. Cooper correspondence that our modification was rejected base on a call that we rejected the modification. This is not what happen. This was not the purpose of our complaints, the purpose was to recognize our loan modification did not take into account any of the circumstances that exist. Such as income, post-bankruptcy, and our resident is located in an area that suffered a disaster of epic proportions. We were also told if we rejected the modification this should be in writing. There is not any evidence that we rejected this modification, but disagreed with the terms and request explanation over and over again. Explanations were given through CFPB, after complaints were submitted, questions were answered and the interest rate was explained after communicating our concerns through a third party housing counselor. I am not certain why would Mr. Cooper " pull '' calls to support we rejected the modification. Did Mr. Cooper received a rejection in writing from homeowners? Why not read the complaints? Why not use the rejection letter we were told to send in? There is not a rejection letter that exists. Maybe that is the reason the person from Nation Star called suddenly to rudely say to me there will not be any negotiation ; and " I will accept or reject ''. Was this a strategy of Nation Star? This act seems to be deliberate and we would like to ask for an explanation. We are attempting to seek legal recourse in response to a Nation Star representative caused us financial harm. Afterwards Mr. Cooper is now requesting both XXXX and XXXX payments in order to complete the modification. The modification was base on completing the trials payments and in the midst of requesting help and explanations before we sign and execute documents NO ONE at Nation Star offered to assist with the wording, by the time and third party explain this modification from the first page to the last page it was already XXXX. The modification was then rejected by the notes of a representative and we called and spoke to someone about what happened, and we never rejected but did COMPLAIN, now its XXXX. We are being asked to pay {$2500.00} right now to move the modification forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Mr. Cooper Group Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I saw on my XXXX  Credit Report back in early XX/XX/2021 that my mortgage company, Nationstar Mortgage, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to Nationstar using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to XXXX  that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called Nationstar customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to XXXX. My credit score has taken a drastic drop since these two errors occurred. I used to have a XXXX score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. 

I have also disputed the error with XXXX, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from XXXX to Mr. Cooper XX/XX/2017 I have since received several notification mail requesting proof of Hazard insurance. 

I have provided insurance proof and a representative from Mr. Cooper 's Insurance dept. has confirm receipt over the phone. But they are now requesting proof of insurance that covers the inside of my house and if I do not provide proof they are going to buy it for me and add it to my mortgage payment. 

Not exactly sure of what type of insurance Mr. Cooper was referring to I requested they call my insurance agent. I spoke with my insurance agent shortly afterwards.. he said they are requiring insurance for my personal property..he asked why do they care if i carry personal property insurance and what does it have to do with the mortgage..at which time he says Mr. Cooper hung up. I have nothing of my personal property worth insuring and have never before had to provide this info to a mortgage company. Is this legal? I have until XX/XX/XXXX. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States a consumer reporting agency can not furnish an account without my written instruction.

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: EQUIFAX, INC.
State: MI
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:
Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently 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 2021-07-30
Company: JPMORGAN CHASE & CO.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: MD
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:
Checking over my report today and I have noticed that these accounts & inquiries are still reporting on my file after I have been disputed & waited for a response after 45 days .you are still going against the law and I have rights.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 Fair Credit Reporting act. The accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 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.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My legal name is XXXX XXXX XXXX I believe my personal information was hacked/stolen and need to remove an alias on my credit reports from XXXX and Transunion. The alias is written as XXXX XXXX XXXX. I have never been known by this name in any way, shape, or form. I request that the name be removed from both credit reports on the mentioned 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo was charging excessive overdraft fees and would not communicate the issue nor allowed me to fix my issue charging my account even if I repaid my negative balance they still charged the overdraft fees. Which led me to closing my account

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 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
When I went into Bank of America at XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX ) this morning-XX/XX/XXXX, all I wanted to do is Deposit {$1600.00} and cash a check for {$500.00}. I was told my account was closed out on a holding ( With a balance of $ XXXX ). I was in shock. I asked why and got no answers. The manager ( XXXX XXXX ) made a phone call to someone who did not tell me his name and brought up my wife 's name with letters where he told me he had written me which I denied I EVER received any such correspondence. Since I was not getting anywhere, I left Pretty XXXX Mad the way I was being treated. I have been a loyal customer since XXXX when I was first in the XXXX. I am a XXXX member of which I do not understand and do not care. I have seen called the dispute and Fraud department of Bank of America to try and find what is going on to " NO AVAIL!! '' They placed some computer correspondence on my account to where I may go to another Bank. I am still Mad about the way I was treated and may want to close my account on the way it was handled where I could not access my checking account-It 's my account not theirs and no one can tell me why it was closed with my balance of {$60000.00} plus dollars!!

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 2018-04-24
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Nationstar approved the hurricane Irma Forbearance Plan beginning XX/XX/XXXX due to the damage of hurricane Irma that impacted our area. They sent me a letter approving the Forbearance 6 months which lowered my payments. I received the letter approve the Forbearance on XX/XX/XXXX and another approval letter on XX/XX/XXXX I received a phone call from Nationstar end of XX/XX/XXXX that I was no longer approved for the Forbearance and that I would have to send them a check {$16000.00} they said I missed a payment in XX/XX/XXXX they had approved the payment to be put on the back of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capital One Bank ( USA ), N.A. ; Capital One, N.A. ; Capital One Financial Corporation ; Capital One Services, LLC ; addresses XXXXXXXX XXXX XXXX  XXXX, XXXX, VA XXXX and XXXX XXXX XXXX illegally pulling my XXXX, XXXX and XXXX credit reports as credit inquiries. At this time I do not have any credit card or loan accounts with Capital One Bank ( USA ), N.A. and this bank is not authorized to pull my credit reports without my consent. Which is a violation of FCRA Act. It appears Capital One Bank illegally pulled my XXXX, XXXX and XXXX Credit reports on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX, the balances on accounts ending in XXXX and XXXX were waived, removed and deleted from all three major credit Bureaus XXXX, XXXX and XXXX. Therefore there is no debt that gives Capital Once Bank N.A. rights or authoirization to pull my credit informatioin without my consent. 

Full disclosure, I do have a Capital One Auto Finance account number XXXX. Their address is XXXX XXXX XXXX XXXX, TX XXXX. Per my credit report Capital One Auto Finance pulled my credit report on XX/XX/XXXX. Which Capital One Auto Finance is a separate entity and subsidiary on the parent companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a letter from XXXX XXXX XXXX, XXXX regarding a credit card account which is in collections. I have not nor applied for that account. It is neither showing up on my credit report nor my husband 's? The company reporting the collection is Capital One which was XXXX prio. Is this a scam? If so, I will be reporting this matter to legal authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
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:
I recently discovered that  XXXX   XXXX  reported my account as a Charge off on my credit report when I was denied a loan by  XXXX   XXXX  due to the Charge off. I immediately contacted  XXXX   XXXX  by phone in an attempt to rectify the error. I was informed by the customer service representative that my last payment was received on    XXXX   XXXX   ,    2011  and that my account was reported as a Charge off on   XXXX   XXXX  ,  2011 . We both agreed that it did not make sense that my account would be reported as a  Charge  off 2 days AFTER my payment was received. At the time  XXXX   XXXX  reported my account as a  Charge  off, it was paid in full with a  XXXX  BALANCE. I have spent HOURS on the phone with numerous customer service representatives. The phone calls have been extremely frustrating and have not produced a positive outcome. Every representative has told me the same thing " due to the age of this account, they do not have account records and can not provide me with the information that I am requesting '', yet they refuse to remove the inaccurate information from my credit report. I was told that a Supervisors would call me back on  XXXX  separate occasions. To this day, I have not received a call back from a supervisor. I have sent numerous certified letters disputing the  Charge  off that is currently being reported on my credit report and negatively effecting my credit. I have asked for validation of my account including details explaining my why my account is being reported as a charge off with a   XXXX   balance. I have asked for them to send me a copy of my payment history along with account notes. The letters that I received in response to my letters have been a one paragraph response stating that " they only report accurate information 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation