BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: NY
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 sent letters out with two different credit agencies. XXXX XXXX Equifax. How ever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S.C. 1681 Procedure in case of disputed accuracy If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by consumers and the consumer notifies the agency directly or indirectly through reseller. Of such disputes the agency shall free of charge conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of disputed information or delete the item from the file in accordance with paragraph before the end of the 30 day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Disputing {$50.00} charges on XXXX dates from XXXX XXXX XXXX to my credit card account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Some charges happened when my credit card was locked ). The amount is in error because, in XXXX of XXXX, I updated my payment method and removed my card from the account. Per the XXXX XXXX XXXX policy, customers can do so if they need to change or update the payment method. Nowhere in the agreement states that the company will keep deleted information and use it later. Furthermore, the company tried to charge my credit card and the other accounts I had on the website. They only tried once to set the monthly fee of {$140.00} once but at no time did I authorize XXXX dollar payments to be withdrawn from my account at any time of their choosing, as they indicated by their false and misleading authorization information. Would you please reach out to XXXX XXXX XXXX and ask them for documentation on where I authorize the {$50.00} charge? Also, I reached out to XXXX XXXX XXXX about the unauthorized charges ( See emails ). I was informed that changing and deleting my past billing information doesnt stop them from charging that account that isn't authorized to be charged. I asked them to stop debiting that account, and they refused. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I request that Capital One take no further deduction from the credit card account until the notice of termination period has expired. Enclosed are copies of emails I sent regarding this issue supporting my position and experience. Furthermore, looking at my credit card statements, I didnt use that account to make a payment with XXXX XXXX XXXX since I updated my information in XXXX. Please correct the error on my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Late XXXX of XXXX, I made a purchase with Macys credit for a sectional, a rug, and a set of three tables. During this call I was dealing with placing an order for over 6 hours. The furniture representative and the credit department took a total of 6 hours to place my order. As a result of the wait the furniture representative told me she would apply 20 percent off the entire order to include the worry no more warranty, sectional, rug and tables. I was told that once items were delivered Id receive a credit to my account ( it was to warn Macys bonus money ). After the rug and tables were delivered ( late ) i had to call many times to get Macys credit to honor the 20 percent off. They finally honored it. The furniture ( sectional ) took almost one year to arrive every month Macys made an excuse and for the lateness they would give roughly XXXX off ( to be applied after delivery ). Well I finally got the sectional ( almost one year later ) and the 20 % is not shown. I called Macys the day it was delivered and every day after they would put me on hold and with my busy job I could stay on the line for hours so Id call the next day. Today I get a hold of a team lead XXXX from the presidential line and he refused to apply the 20 % that was originally promised to the sectional I told him it was separate from the late credits. He said Im not allowed to return the couch either since Ive had it for 8 days. I explained how long Ive been dealing with this. Ive spent well over XXXX in a year because I have an investment property fully furnished by Macys ( I had many issues with those deliveries as well credit charging double for items lost items etc ). Im very upset and I want the 20 percent promised to me or they can return the sectional at full price. It took so long and I threw away my old couch waiting for almost one year for this to happen Macys employee info : XXXX lead team presidential line call center Macys Florida employee ID XXXX sales check 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 2023-03-15
Company: DISCOVER BANK
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:
I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Gm. I wanted to have Credit Acceptance investigated and the credit bureaus at fault for keep updating my dispute as VERFIED! I dont recieve nothing as proof showing how these amounts Are! You can't just verify on debt cause the creditors told u its valid..First I see they still reporting that I Involuntarily had the car repossessed when in fact mid XXXX of XXXX I called them and let them know I couldn't pay for the car at that time after being persuade to just call in if future payments couldnt be made but I let them know it wasn't looking good so thats why when the impoundment showed up one morning I gave him my keys ( Is that involuntary? ) Also, SINCE THEN THE CAR BEEN SOLD!. But they are saying I still owe the same amount after making payments over time and still same high balance in which over these few months I have disputed with the company and the 3 major credit bureaus, I just start noticing that every month on this CLOSED account that my balance gets higher and higher, also is being included as a OPEN debt in Balance of all my good standing accounts. I seen on XXXX after trying to research this company that they have similar law suits out against them for being deceitful and overcharging. I hope they not trying this tactic on me and hope this is a mistake. I never denied have a account with them but proof of how I owe this much and documents of how much car sold for and want to know, How they have the Right to keep Reporting to bureaus a different amount ever month? I hope we can find some resolvemment in this concerning matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Financial Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to you to block FMS FINANCIAL Solution ( Original Creditor : XXXX XXXX XXXX XXXX XXXX from my report immediately. I do not owe this debt. This is inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility.

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 2023-09-29
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 40 days later, I have not received a response yet. I feel like Im 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted 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 gotten into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold my loan to Nationstar Mortgage recently. I received a letter ( paper ) with the new, pertinent information ( e.g. new loan number, instructions for setting up an online account etc ). 

When I went to the directed URL online to setup the online account - I was, very surprisingly, redirected to a NEW website called XXXX XXXX. On this new website there is NO mention of ANY affiliation to Nationstar Mortgage. 

Having worked in computer security for over 20 years - I was very suspicious of this website - again, as there was no mention of the affiliation to Nationstar ( a best practice in these situations ). 

I proceeded to setup the account - entering the new Loan number and last-4 SSN. It then took me to a page requesting my COMPLETE SSN. Again - this is HIGHLY suspicious behavior and a favorite trick of scammers/phising/social engineering hackers. 

Not being comfortable at all with providing this highly sensitive information - I called the number listed in the letter - and explained my concerns. They told me the only way to get an account setup was online - and I MUST enter my SSN. 

I find the handling of this entire process - from notification - to website redirection w/ no explanation to the requirement for online submission of my SSN - to be unacceptible - and more importantly promoting a VERY bad practice of training users to randomly enter their SSN into un-explained web sites. 

I am requested that this process/company be reviewed and guidance given to them to allow alternative forms of account setup and verificaiton ( namely Phone )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report for accuracy and noticed an account for CAINE & WEINER COMPANY in the amount of {$100.00} for XXXX. This account is inaccurate and never sent me validation, verification or notice to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was getting thousands of dollars from donations from people because my son and i video went viral. people was trying to request money from me on XXXX and cash app as a scam. i denied a few that came through on cash app. before i did i spoke with a person from cash app asking them would i be ok to cancel because my bank card was linked to my cash app i did not want anyone withdrawing money from my account like a friend told me happened to him. the agent told me that i would be fine. i received a text from a XXXX friend asking me why my cash app wasn't working.. i have a balance that i am trying to transfer to my back and cash app will not allow me. this money is donated to me and needs to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Recently I would say about 2 months ago american express lowered my credit limit on both of my accounts about XXXX dollars total and they lowered to an amount which made me XXXX dollars from the new limit of credit when I called and inquire about why I was told because I was making the minimum payments a month which make no logical sense to me. I feel american express purposely tried to put me in a financial crisis for paying the minimum they set a month I have never had any missed payments due to them lowering my credit limit on both my personal and business credit accounts it has put me in a financial situation now im way over my 30 % and now the minimum payment have went from XXXX dollars to XXXX dollars. I am currently in the process of finding a lawyer because I will be be taking legal action against this it was no reason for my credit limit to be lowered placing me agian over my 30 % and now it's affecting my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When NationStar ( " Mr. Cooper '' ) brought my mortgage from XXXX my monthly payment was {$1100.00}. Then they increased it to {$1200.00}. As of today, my monthly is {$1.00}, XXXX, XXXX. I did not know until I sent my regularly payment of {$1.00}, XXXX. They sent me a letter stating that payment went up and I have to send them the difference. I called them. There was an argument telling them I did not receive any notification about payment increasing. The Operator was rude and sarcastic. Next day, I called again. I demanded to speak with supervisor. None of them were available. After a week try, I got a hold on to a lady who told me she was working for escrow. I did explain to her I could not effort to pay the new monthly stating I am the only income in the house and that my wife for the past 6 years she has not been working. She sent me to another department. That lady asked me if I want a modification. I said yes and her replied was a kind of confirmation reply when she said it would be hard them to do my modification. Since two weeks passed I have been calling almost every day to have a word from the designed loan specialist XXXX XXXX or any from financial department that the modification went through. Finally, they told me to send them my pay statement, XXXX, etcetera ( enclosed ) Since XX/XX/XXXX  to XX/XX/XXXX it has been a battle between them and me. Always they are saying they need my 30-day consecutively pay statement or something else. I have seen sending all these information since XX/XX/XXXX.  I keep repeating until I receive another from department demanding a quickly reply about payment. I noticed he did not a thing about XXXX XXXX or the modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: Credit inquiries on your report that you don't recognize

Complaint:
Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX Bank : XXXX XXXX card. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX : # XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Account Duplicated Incomplete Account Numbers Inaccurate name reported Fraud Debt

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 2023-11-03
Company: MOHELA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
According to studentaid.gov, the application I submitted recertifying my income for the XXXX repayment plan on XX/XX/XXXX, is in review. Yes, you read that correctly. A request from XX/XX/XXXX, is purportedly in review. Documentation is attached. This request was submitted to my former loan servicer, XXXX XXXX, XXXX to studentaid.gov. I frankly do not see how this can be. XXXX processed this XX/XX/XXXX, request on or about XX/XX/XXXX. Documentation is attached. XXXX ceased being my loan servicer as of XX/XX/XXXX. My loans were transferred to MOHELA at that time. I called XXXX XXXX XXXX to inquire why my request from XXXX is supposedly in review. A representative informed me that only MOHELA can close the case. Yet, MOHELA told me that it can not access the request. I have since switched to the XXXX repayment plan. Documentation is attached. My XX/XX/XXXX, recertification does not need to be in review. Rather, this matter needs to be closed as it has long since been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation