BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX AND NATIONSTAR MORTGAGE ARE USING THE PHONE, COMPUTERS AND INTERNET SERVICE TO COMMIT THE THEFT OF FUNDS AND THE ILLEGAL FORECLOSURES OF HOMES ... WE HAVE 3 CONFIRMED, RECORDED, DOCUMENTED CRIMINAL ACTS TOTALLING OVER {$8000.00} MAKING IT A SERIOUS FEDERAL CRIME .... IN XXXX XXXX, AS PART OF A CFPB SETTLEMENT, NATIONSTAR AGREED IN WRITING TO ACCEPT A XXXX PAYMENT TO BRING THE ACCOUNT CURRENT. WE PAID THIS AMOUNT OVER THE PHONE ... AND NATIONSTAR ILLEGALLY LEFT A BALANCE ON THE ACCOUNT PLUS ACCRUING LATE FEES ON THESE ILLEGAL BILLS ... NATIONSTAR USED INTERNET FRAUD DURING THE SAME TIME PERIOD, XXXX XXXX, WHEN THEY PUT IN WRITING THAT THEY WERE NOT DOING A FORECLOSURE BECAUSE THEY WERE INVESTIGATING AND CONFIRMING LOAN ORIGINATION FRAUD ON THIS ACCOUNT. ... FOR THE PUBLIC RECORD, THIS LOAN ORIGINATION FRAUD WAS CONFIRMED AND NEVER CORRECTED MAKING ANY FURTHER COLLECTION AN INTENTIONAL, FRAUDULENT, CRIMINAL ACT ... THE LOAN IS INVALID ... IN XXXX XXXX NATIONSTAR DID FORECLOSE ON THE MISLED HOMEOWNER AFTER TELLING THEM ON THE PHONE AND IN WRITING ... THEY WERE NOT FORECLOSING ... WHEN THEY REVERSED THEIR ERROR ... THEY ADDED A {$1400.00} ATTORNEY BILL ILLEGALLY TO THIS MORTGAGE ... THEY CHARGED FOR A FORECLISURE THEY SAID THEY WERE NEVER DOING .... NOWHERE CAN YOU CHARGE FOR A SERVICE YOU TELL A CONSUMER YOU ARE NOT PROVIDING ... THAT ILLEGAL {$1400.00} ATTORNEY BILL IS STILL ON THIS ACCOUNT ILLEGALLY TODAY. ... LAST MONTH ... XXXX XXXX, XXXX, NATIONSTAR VERBALLY AGREED TO ACCEPT AND THEN WAS WAS PAID OVER THE PHONE FOR XXXX, XXXX AND XXXX PAYMENTS. THEY CONFIRMED, DEBITED MY ACCOUNT OVER 2,800 ... BUT ONLY PAID XXXX AND XXXX. ... THEY TOOK OUR XXXX PAYMENT AND USED IT TO PAY FOR THE ILLEGAL FEES THEY ADDED PREVIOUSLY USING OTHER FORMS OF WIRE FRAUD PRIOR .... THIS PAYMENT WAS MADE DIRECTLY TO THE CEO IN HIS OFFICE ... XXXX XXXX ... MAKING IT AN INTENTIONAL CRIMINAL ACT AND THEFT / MISAPPROPRIATION BY THE CEO ... XXXX WE HAVE REQUESTED RECORDINGS OF ALL OF THESE CONVERSATIONS FOR OUR UPCOMING LAWSUIT AND FOR YOUR PROSECUTION BUT XXXX XXXX AND STAFF REFUSUES TO COMPLY. WE ARE WORKING DIRECLTY WITH THE CEO 'S OFFICE NOW SO WE HAVE CONFIRMED THIS IS A TOP DOWN CRIMINAL FRAUD INVOLVING SEVERAL HIGH LEVEL EXECS. PLEASE NOTE THAT NATIONSTAR HAS COUNTLESS COMPLAINTS OF THIS TYPE OF FRAUD. THEY ARE STEALING CASH AND STEALING HOMES AND XXXX XXXX IS KNOWINGLY VIOLATING NUMEROUS STATE AND FEDERAL LAWS WHILE FORCING EMPLOYEES TO ALSO BREAK THESE LAWS OR LOSE THEIR JOBS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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: Information belongs to someone else

Complaint:
yes i pulled my consumer report with experian and it seems someone opened a XXXX credit card in my name i reached out to both companies but now it remains on my report as a chargeoff i disputed the unauthorized accounts but got no responses or information regarding my issue i would like for the account to be removed immediately XXXXr card # XXXX opened XX/XX/2019

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have a number of inquiries that I do not recognize, I need to have these removed. Thank you!

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 2018-04-25
Company: EQUIFAX, 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:
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXXand on XX/XX/XXXX are still being reported on my credit report. I contacted XXXX XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX BANK, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX BANKs ( XX/XX/XXXX and 1XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I had purchased shoes from XXXX which were never shipped. I got tired of waiting, thus asked the seller for a refund. They said they prefer PayPal. I opened a new account, despite being reluctant toward using PayPal as I know how parasitic they can be. 

Once the funds were sent to my new PayPal address, all of a sudden, PayPal started requesting for a bunch of documents in order to verify my identity and release my little {$95.00} refund. 

I submitted my government issued ID and other documents. My bank account was linked, I had verified my phone number, my email address and more. 

However, despite having all the information above, every time I'd log back in to check the status, they'd ask for more and more personal information, such as bank statements, proof of fulfillment ( even though it was a refund ). 

They also ask me to resolve my other account from years ago which I don't have access to. They want me to upload dozens of documents to that irrelevant account as well, which is ridiculous. 
I wasted hours on this. Their representatives are unhelpful, they send massive, redundant chat replies, their phone number is useless. 

I believe they their main aim is for me to leave the account unresolved by giving me all this headache. Therefore, they could have/steal my funds, as I suspect they do with thousands of customers complaining on XXXX. 

This isn't about my {$95.00}. They've been locking people out of their accounts with $ 100k in them to possibly earn interest on those. Others claim PayPal has stolen thousands of dollars from them. Please see below. 

https : XXXX XXXX regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: U.S. BANCORP
State: IN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased 2 cards with a {$500.00} balance on each card in XX/XX/XXXX  and within 48 hours the cards were compromised with charges being made to the card without opening the package. I reported the problem and was informed to visit the company website to submit documentation that I have the cards in my possession. Once they received the information via their website, they sent new cards and I received replacement cards and within 48 hours of receipt of the new cards, they were compromised again. 

I was informed by their customer service team to begin the process again, but now their website has not been operational for many weeks. They have stated they are aware of the issue and the only way I can submit my information is via fax. I have submitted the information multiple times via fax and they claim to not be able to read the information despite my confirmation documentation of the faxes being very clearly eligible.

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 2021-12-17
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I have inaccurate and late payments being reported on my credit report. 

You all have responded and said everything was verified as accurate but on my most recent report, it shows that you all did not investigate properly You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

This is not being reported accurately because XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my Experian report and nowhere else, XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my Experian report and nowhere else, XXXX is marked late on my XXXX report and nowhere else and XXXX is marked late on my Experian report and nowhere else. 

please update all to paid as agreed

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 2023-03-24
Company: EQUIFAX, 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A 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 2019-09-30
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted Equifax more than one time vs certified mail and have also called. 
Disputing and requesting that I personal information and name be updated and all those address and names that do not belong to me be deleted, and they refuse to comply with my request and Federal Law. I have mailed notarized letter with photo of my driver licence and social security card showing them what name is and how it is spelled, and still no change. Just as of XX/XX/XXXX I was mailed my report, which still has all inaccurate information my name is XXXX ( XXXX ) XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Nor have they remove all of those addresses that are not my address and the employment that is on there as well. This makes me give further verification to whom I apply for credit because I have all these different names and address and employer on my credit report. 
The following is inaccurate and needs to be deleted : ( 6 addresses this completely inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX employment that needs to be deleted XXXX ; XXXX XXXX ; PHONE NUMBER ( XXXX ) XXXX Please remove all inaccurate information and update my credit profile as to the following information is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also have never send me the proof that they investigate my dispute I have requested twice and they keep telling me it has been verified and accurate and the other disputed just have Not Specified Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX They have yet to provide me with proof of an investigation and any reporting documents that this is my debt and reporting accurately I have requested it by mail and phone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion claims that its policy is in accordance with the Fair Credit Reporting Act, however it has allowed XXXX XXXX to pull my credit history without showing or providing proof that it had done so in the very same accordance of the Fair Credit Reporting Act that they claim to be upholding. Again I had not requested or shown interest in any loan product that XXXX XXXX was offering. Should XXXX XXXX produce evidence to the contrary then I will accept the information as reported and provide a letter of sincere apology to all involved.

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 2021-12-17
Company: Asset Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I spoke with a representative from XXXX University about possibly attending college again. I was just released from prison after 14 years and he told me he needed my credit card #. My final decision was to not attend college due to the fact that I was trying to get on my feet and couldn't afford it. The representative said he understood and would contact me at a later date to see if anything had changed. After several months I started receiving statements telling me that I owed the university {$2400.00}. I responded to several phone calls telling the university that I never attended, but kept receiving the statements. In XXXX I started getting statements from Asset Recovery Solutions. LLC stating that XXXX University wanted to work out a deal and would accept 70 % of what they had been trying to scam me out of in the first place. In XX/XX/XXXX I spoke to a man from Asset Recovery Solutions telling him I never attended XXXX and he told me to start filing all the information necessary to prover identity theft even if it was possibly the representative that had spoken to me in XXXX. I am starting to do that now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act, it plainly states 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 almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has 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 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a preferred rewards platinum honors member with bank of america since 2014. 
Just recently bank of america decided to close my account and 2 credit cards with no explanation. 


I have an excellent credit score and always paid my balances on time. 
I have no non violations of my user agreement. 
My biggest complaint is that the bank will not allow me to redeem my cash back totaling {$4900.00} and tells me the whole amount is forfeited. 

I have worked so hard to earn this cash back and unable to redeem it thru no fault of my own. 
I feel being taken advantage of and account was shut down in order to not be able to redeem my rewards. 

I dont understand why a large bank like bank of america would result to such unfair business practices.

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 2020-11-04
Company: DISCOVER BANK
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a DiscoverCard Bank Account, that would automatically pay my DiscoverCard bill when it came due. I have set a {$900.00} credit limit on the card because I have had my card number stolen on the internet twice and the second time they charged 2 items at {$1000.00} apiece. With my {$900.00} credit limit I have to watch my spending, but I do that. The DiscoverCard Bank was going to pay off my card on time. XXXX thru on XX/XX/XXXX my credit limit was in sight so I sent in {$300.00} to Discovercard, so my card would keep on working. So at the end of the month, instead of paying off the card in full, it only paid the balance left after my {$300.00} payment was taken in. I now at the beginning of XXXX XXXX XXXX ) I have less than {$400.00} credit left on the card, which with all the transactions for the month will not be enough. I called Discovercard and asked them to close the DiscoverBand account and put all the money into my Discovercard amount and close the DiscoverBank account. They said they could not do it - in my mind this is a SCAM - I can not transfer my own money from the 2 accounts I own. They have my money and they will not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$540.00}

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 2020-07-07
Company: CITIBANK, N.A.
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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