BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
I have sent the credit reporting agencies the attached letters about unauthorized accounts on my credit report. The credit bureaus sent a letter denying disputes stating the accounts verified were mine but refuse to tell or show proof of verifications for each account. By law 15 U.S.C 1681 Law Violation this is not the correct way to handle complaints. I will like for all accounts to be removed in the dispute letter. Please remove and update 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 2020-06-10
Company: BROKER SOLUTIONS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Saturday, XX/XX/2020, I submitted a complete application to New American Funding for a refinance of my home loan. Along with my application, I uploaded all stipulations to verify income, property address, id, social security, hazard insurance, and current mortgage balance. 

On the morning of XX/XX/2020, I called New American Funding to find out if an MLO would be giving me a call to discuss my options. I was told by the call center representative that an MLO from a local office would be giving me a call. 

It wasn't until the morning of XX/XX/XXXX that I was contacted by a local MLO. The conversation was brief and promised me he would be looking at programs and would call me back at a later time. 

I called the customer service center back on XX/XX/2020 to follow up. I was forwarded to the local MLO and was quickly disconnected. 

It is now XX/XX/2020, and I have not been given a Loan Estimate according to TRID. 
Contacting the company yields no results. I called the customer service center once again today with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Capital one restricted my account without telling me and calling me or emailing me I transferred money which I can now not access Ive tried to call them several times and I either get disconnected or transferred to a branch that is closed I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There are two American Express business cards, a blue card, and a platinum card, that were fraudulently opened in my name. I have been attempting to work with American Express to resolve the issues with identity theft/fraud since around or about XXXX XXXX. I'm quite certain that the business cards were fraudulently opened by my former employer. I have filed a police report memorializing that I am the victim of identity theft. I have also sent several written communications and have spent a minimum of 50 hours on the phone with Amex representatives to report and provide details of the fraud. During this time notes taken by the members of the fraud team have been incomplete, and inaccurate or don't exist making it impossible for the operations team to perform a proper investigation. I have also received many hostile calls from the Amex collections team attempting to collect on the fraudulent accounts. The collection department is not aware that the accounts are under fraud investigation. On XX/XX/XXXX, Amex canceled my personal gold card, which I had since XXXX, due to " having another Amex account that was not maintained in accordance with the terms of the Cardmember agreement ''. When I called Amex to discuss why my gold card is being canceled it was " due to not making payments on the two fraudulent cards ''. I was told by a representative on XX/XX/XXXX, that the collections department, that processed the cancellation of my gold card was not aware of the fraud. I am not making progress on the fraud investigation. Amex 's behavior has been unprofessional and negligent. I feel like I am being harassed and abused when I did nothing wrong. I feel that Amex has violated the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Social Finance, Inc.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ever since XX/XX/XXXX I've probably called XXXX XXXX  at least XXXX times XXXX, is the number that I've been told to call and talk to about my account that is temporarily frozen, and it always goes to voicemail, and I've left dozens upon dozens of voicemails and never received a call back my money account currently holds a balance of {$99.00} I've even had customer service escalate a detailed complaint to the Department to try to get some response and to email me or leave a voicemail if not answered none of which of those things have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: SYNCHRONY FINANCIAL
State: CA
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/2021 my online XXXX was hacked into and two charges totalling {$110.00} were made and charged to my Paypal account. I disputed the charges with Paypal as made by an unauthorized user and the claim was denied, stating that the use wasn't unauthorized. XXXX has had me send a letter to Paypal where they support my position that there was unauthorized use of 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 monetary relief
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CMG MORTGAGE, INC
State: WA
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:
On XX/XX/2023 I mailed a notice to CMG MORTGAGE INCXXXX dba CMG FINANCIAL ( herein " CMG '' ) a notice stating they were in violation of the FCRA, per, 15 USC 1681a 2 ( A ) ( i ), the term credit report does not include ..... Transactions or experiences between the consumer ( myself ) and the person making the report ( CMG ). THE LAW CLEARLY STATES : Transactions or experiences between consumer and the person making the report is NOT INCLUDED in consumer credit report. After their non-response I sent an notice of an Opportunity to cure to delete the late payment on XX/XX/2023. They received it XX/XX/2023. I then received their XXXX response on XX/XX/2023 stating that it was in review and research... .. Because of CMG unreasonable response, I then sent a Notice of Fault of Teir violations and how this has damage me and my family mentally and psychologically on XX/XX/2023. Furthermore, that this is hurting my family and I a opportunity to buy an investment property at a decent rate due to Their violations. 
then on XX/XX/2023 I received CMG last response stating that were bound by contract, in which I did not understand so i sent ( XX/XX/2023 ) CMG a XXXX response to my demands with a list of all their violations, so be it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: NY
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 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 that 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 convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
XX/XX/2015 the XXXX of XXXX NM cleared the deed, after the City received a letter claiming the lender can not and will not foreclose on the property. The City sold the property in a municipality sale to an auction buyer and issued a quit claim deed transferring ownership from the City to the auction buyer who recorded ownership. The auction buyer sold the property to me XX/XX/2015 by quit claim deed transferring the ownership from the auction buyer to me, which I recorded XX/XX/2015. 
A party claiming to be Bank of America as successor in interest, reopened the City case and entered Bank of America. Bank of America denies having any record of ownership and issued an email stating the loan is " not Bank of America ''. Bank of America refuses to release the recorded ownership stating they have no record of the loan. The party claiming to be legal counsel hired by Bank of America has pursued a writ of assistance and is having me forcibly removed from the property.

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 2023-10-06
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
Due to lack of unemployment i lost my job couldnt keep continue making payments to the loan on the vechicle anymore I called to have the vechicle to be voluntarily repossed and the respresentative that work at westlake financial services stated that they didnt won't the car because it was a useless piece of XXXX because it is an XXXX  and they couldnt do anything with it and also stated that they werent picking up the vechicle! I CALLED THEM MULTIPLE TIMES ABOUT THIS REPOSSESSION AND THEY HAVE NOT REPOND TO PICKING UP THIS VEHICLE! This is absurd! I, in good faith called them to pick this vehicle up at XXXX XXXX XXXX XXXX, Tn XXXX. 

etc these are some of the recently dates i corresponded with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021, I made a payment for {$300.00} to my American Express credit card using XXXX XXXX XXXX. 
American Express is stating that they have not receive the payment, however, XXXX XXXX XXXX sent documents that the payment went through and they've debited my checking account of {$300.00}. 

We're XX/XX/2021 and American Express have not credited {$300.00} and XXXX XXXX XXXX debited my account {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: VA
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:
I'm " CLIENTS NAME, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX 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 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 2023-07-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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 am writing to delete the following information in my file. The Items I need deleted are listed in the report. I am a victim of Identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of y identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the Credit Bureaus to delete this suspicious account. I think you have not validated this account 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. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing in reference to the AFFIDAVIT that their office but has to respond. Also we have not received all the information requested validation of debt and they are still rushing forward with the sale. 

Cancel Checks of Transaction Proof of license to collect debt in Georgia Verification copy of judgement Any assignment of mortgage that can declare legal standing records of all correspondence from you I have enclosed a copy certified affidavit just in case it has not uploaded to your office. I faxed the affidavit over to XXXX and mailed to the locations listedlisted in the attachment. Mortgage frau has been commited an they are not answering to i. 

I tried calling and leaving messages along with my counselor but the person voicemail stated it does not allow messages to be left andthey have not returned the call. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX I sent a certified letter to Experian along with my driver 's license and social security card. They received on XX/XX/XXXX according to the tracking number. XX/XX/XXXX I spoke to a customer service agent and disputed the addresses and personal information being reported incorrectly. But still didn't adhere to my request. On XX/XX/XXXX I called in and spoke with someone in the fraud department to dispute my name and false address again. Instead of adhering to my request they're adding information. On XX/XX/XXXX I called in again to politely ask them to remove my middle name because clearly they added it from my driver 's license instead I was told by XXXX that they have to input all of my information. I told him to not add my middle name again because I don't use it instead he told me that he was doing it anyway. This credit bureau isn't doing anything but opening me up to more identity fraud like they did when I contacted them on XX/XX/XXXX. This credit bureau agency allowed a consumer to change all of my membership information to his which locked me out my account. I received an email from Experian on XX/XX/XXXX stating that I changed my password and if it wasn't me then respond to the email or contact them. I did contact them and one brave employee told me who did it, where it was done and the information it was changed to. I went and filed a police report then mailed it to Experian who never got so they say, but refuse to help me get all of my information corrected due to their security breach.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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:
I recently relocated to the state of TN. I have debt buyers and collection agencies on my report that are not licensed in the state of TN. Also I do live in TN but XXXX has my address listed inaccurately. I can provide the address which I do not want shared with debt collectors and collection companies. None of the collection companies listed on my report are licensed to collect a debt from this state. I will take action towards this. I tried to dilute with experian but was unable to do so. Transunion XXXX and XXXX please delete these debt buyers and collection agencies from my report that are not licensed in the state of TN

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In 15 U S code 1681b States : permissible purposes of consumer XXXX Inquires have no permissible purpose being on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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