BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-03
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2023-11-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2021-07-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Nissan discriminated and refused to provide me the proper resources that would ensure my payment history was kept up to date during COVID while I was awaiting pending unemployment DOL Hearings. Nissan further denied me monthly relief assistance because of COVID. Nissan did not and would not offer temporary lower payment assistance during COVID. When requested assistance was offered Nissan only discriminated and put a payment at the end of the loan. While Nissan did in fact discriminate because other car loan companies as well as Nissan were reporting that lower payment options and monthly COVID waived payments were being offered. Yet I was denied these offered : Consequentially, Nissan contemptuously and maliciously knew the Nissan Finance Website was under repair and inoperable several times during COVID and especially in XX/XX/2021, such that I was denied the ability to make an online payment within the 30 day late payment window. Where as Nissan Finance retaliated and viciously reported my car payment late to XXXX  Finance when they failed to provide online reporting options. Most during was the XXXX  Representative who would answer my complaint call to Nissan when I requested the Corporate Office Numbers or Administrative Management to return my calls NO correspondences were received :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There's a company using scare tactics to attract attention. This should be illegal. The company " Freedom Mortgage '' ( if that even exists ) printed my supposed " mortgage number '' on a direct mailer ( for all to see ) that they have closed on my mortgage, but I didn't apply for one. Someone, maybe an older individual or someone in frail health, might have a cardiac response to something that alarming. I know better, but I still think it should be reported. This is wrong. It's evil and should be illegal.

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 2022-11-19
Company: TRUIST FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquires I dont recognize or did not authorize! 
XXXX XXXX XX/XX/2021. 
XXXX XXXX XXXX  XX/XX/2021. 
Regional Acceptance XX/XX/2021. 
XXXX XXXX XXXX XXXX XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The law requires Equifax to provide a feature to place/lift security freezes on credit reports. 

I have created an account on myEquifax.com as required by the company, but the feature to place/lift a security freeze is not working. 

I have contacted the company dozens of time. They spend weeks/months to investigate and close the complaint simply stating the status of security freezes on my account. They do not address the problem, of being unable to CHANGE THIS STATUS online. They have been aware of this problem for nearly six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was given a auction date for XX/XX/2016. Nationstar was contacted and they told us we could still apply for making homes affordable. During this time my father was diagnosed with XXXX. We had to move closer to him. We collected all of our financials and sent in our paperwork to nationstar. I researched with making homes affordable and the rules say while in the process of making homes affordable the auction date stops until s decision gets made. I stayed in contacted with nationstar and is n't it convenient that after the auction date they claim we did n't get our paperwork in. But after fighting with them about they then admitted we got our paperwork in but we were missing 2 items. But instead of notifying us they just said sorry to late. Now we 've lost our home. Our mailing address had always been my fathers home in Massachusetts because that 's where we work. Nationstar has always sent all our correspondence there. Along with XXXX their attorney. We never received any paperwork telling us we could get our belongings out of our home. So now in XX/XX/XXXX we find out our home is for sale and all of our belongings are gone. Our hutch my father built us, our wedding videos. Our furniture. Our rocking chair from our shower. Everything. After contacting nationstar again and waiting 3 months for an answer they claim they sent us notification. We never received. At the mailing address we have always used. Is n't that convenient. So now they auction our home off and get rid of all our belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar added my sister to the mortgage. When I first brought the house to help out my mom the mortgage was in my name and sister  XXXX   XXXX . Less than a year later  XXXX  's name was taken off. My mom 's credit still was n't too good due to divorce, however the bi weekly program, plus deed and taxes was put with my mom 's name  XXXX   XXXX  and  XXXX  's was taken off. When Nationstar brought the loan 3 years ago my name was only on the loan, however about 9 months ago Nationstar decided to put  XXXX  's name back on the loan. My mom pays the mortgage, which Nationstar has her bank account on file to take out every month. I have tried to refinance either by myself or with  XXXX   XXXX . But because of Nationstar adding  XXXX  's name for no apparent reason we can not do so.  XXXX  is also very upset because no mortgage company has been on her credit report for over 5 years, now all of a sudden Nationstar is showing up on  XXXX  credit report. I have sent Nationstar several times all the paperwork without  XXXX  's name on it and with my mom 's name on all documentation and they refuse to remove  XXXX  's name. Now also my mom usually pays my phone, but now they wo n't even allow that. My mom has called in paying since we first tried to refinance and stopped the biweekly. Their customer service people are very unknowledgeable and can not even sp eak English clea rly. Also I have asked them several times and sent them documentation that I would pay my own homeowners insurance, as they are thiefs in my eyes. My homeowners went up {$9.00} a year in  XXXX   Nationstar raised my  rates by over {$12.00} a month because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: MO
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 3rd request that I have been a victim of identity theft and that no one seems to care and no ever response or responses receive, I want to dispute specific records 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 items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a hotel reservations for {$400.00} for two nights and paid in full. However, after the purchase and right before I was due to check in and get " check in instructions '' the company tried to get another {$75.00} ( security fee ). This fee was never disclosed when making a purchase ( do not confuse this with a security deposit, which is very common. This was an additional fee ). I canceled immediately because I did not agree to this. I disputed this with Capital One. I even provided all the documentation to prove my iron clad case. Needless to say, Capital One dropped the ball and claims I did not send in documents by the XX/XX/XXXX XXXX EST deadline. However, I have tracking that proves they got it on XX/XX/XXXX at XXXX. ( USPS Tracking # XXXX XXXX. After spending a few hours talking to non-helpful employees and a so called " supervisor '', they ended the call. Someone dropped the ball at Capital One and regardless of how much documentation they have refused to help or even provide a manager 's contact info for further escalation/resolution. I know without a doubt this would have been reversed due to all the documentation I had from time of purchase. It was just denied because of their " internal policies and the processes they have ''. 

This can not be legal or allowed. I will give you a perfect analogy as to what took place. Let 's say you agree to buy a football for {$1.00} and we agree to meet downtown somewhere on Friday afternoon. But I'm supposed to email you instructions of where I'll be. Well, no email is sent and you end up calling me and I tell you, I'll give you instructions after you pay {$5.00} for a secuirty fee. What would your response be? You would cancel the transactions correct? Well, too bad, I have a no cancellation policy and capital one just ruled against you, even though you provided documents that proved you paid for everything and that {$5.00} secuirty fee was never disclosed.

Get the point? Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
My AMEX Platinum Business card suddenly reduced my Pay Over Time Option from {$20000.00} to {$12000.00}. I already had a balance of {$20000.00}. Since my pay over time payment is based on 1 % of the balance- my payment should have been {$200.00}. Instead, they are asking me to pay {$2900.00} this month. I am asking that they please honor the agreed upon pay over time amount of {$20000.00} or lower the amount {$12000.00} and just keep the payments at 1 % of the balance- which was agreed to at the time of the purchases made. This is causing me extreme hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am requesting your help with this matter since I do not know what else to do to resolve an unfair issue with my credit. I have been a victim of fraud and had fraud charges on my account. I did not benefit or have any knowledge of these charges. I tried to solve this issue with Ford Motor Credit by sending a letter ( XX/XX/XXXX ) requesting this FRAUDULENT ITEM to be removed. 

They did not investigate nor respond and also did Not even mark the account on my Credit Report as disputed. This is a violation according to the FCRA. This has caused lot of inconveniences. Please help me get my credit freedom back. I am requesting the following company to remove this fraudulent item from my credit report and also a DELETION LETTER. I will not hesitate taking this case to court if they do not remove this negative mark. 

COMPANY : FORD MOTOR COMPANY Account # : XXXX. 
Date Opened : XX/XX/XXXX. 
Balance {$0.00}. Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
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 records 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, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-19
Company: Ability Recovery Services, LLC
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:
On XX/XX/2022 I sent XXXX a certified letter to send me the proof they have for account # XXXX which they failed to do by sending me an email saying it was verified and accurate. without showing or telling me how. Which I asked in my letter and which is my right to receive. 

In accordance with the Fair Credit certerfied act XXXX  Account # 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 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 explanation
Consumer complaint received 2020-02-14
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2020, I sent via PayPal, {$10.00} to a friend. ( Both of us are residents and currently located in Idaho, U.S. ) While / previous to sending the money, Paypal asked " Whats this payment for? Sending to a friend or Paying for an item or service? '' I opted for " Sending to a friend - No fee to use your bank to send to friends and family in the U.S '' and used my bank / debit card. Contrary to what I thought would be " No Fee '', I was charged {$.00} On my friends end, I'm not sure what the problem was. She said PayPal required a higher balance or fees or something for her to get the money. She declined and sent the money back to me via payPal.

Now Paypal wants more money from me to get my money back ( back onto my bank card ). Again, contrary to the " no fee '' that it stated for the return if I wait a few days, there would be more charges.

After talking / complaining ( via paypal website messaging ) with Paypal, no resolution.

I then refuted the charges ( original {$10.00} ) with my bank ( on a three-way phone call with paypal and my bank ). PaypaI then explained I could access my money if I entered my checking account number and routing number. I went to do that online ( while we were still on phone ) but Paypal wanted my password to my bank account. Not!

I want my {$10.00} back. ( And someone should XXXX them! )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation