BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint files with cfpb regarding the same problem Cfpb closed the other complaint  (  #  XXXX   ) b efore any resolution was made. The original complaint was that my loan mortgagor failed to provide a {$5000.00}  XXXX  incentive on   XXXX   XXXX   claiming that I had not filed Treasury forms. The forms were in fact filed, and Nationstar Mortgage has tracked them down due to my last complaint and said they were going to send them to the Treasury, and that barring any mistakes in their filing, I should receive the incentive by   XXXX   XXXX   XXXX  . I have called my customer service representative  (   XXXX   XXXX   XXXX   ) at    Nationstar and have left two mess ages for her to call me regarding and update on her progress as the incentive has yet to be applied to my account.   As of   XXXX   XXXX   my mortgage will increase which is based on my principle balance. This balance should be {$5000.00} lest than the number they are using to calculate my new payment. It also should have been used in   XXXX   XXXX   XXXX   to calculate the increase which was imposed back then.   In short, I filled in and sent the appropriate forms for th e HAMP incentiv e in a timely manner, and the incentive was to be " automatically '' deducted from my principle on   XXXX   XXXX  .  Nationstar failed to sen d in their Treasury forms regarding my incentive, and have calculat ed two ( 2 ) year s of mortgage incorrectly. And their customer service representative  (   XXXX   XXXX   ) re fuses to return my phone calls.   Supporting documents have been sent to cfpb when filing the previous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: 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 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 2022-02-16
Company: The Hallstrom Law Firm PLLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: DC
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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I attempted to get this resolved with the credit reporting agencies a few months back and the accounts are still on my credit report. This is damaging my character, reputation, and well-being. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Credit reporting laws ensure that credit reporting agencies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

There are several violations on this account : Each Credit Reporting Agency is showing a different date of last activity and a different payment history. 

Therefore, the unauthorized accounts on my credit report need to be deleted immediately.

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 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I filed a claim with Bank of America Pre Paid Visa connected to my Maryland Unemployment Benefits and Pandemic Relief account in XX/XX/XXXX. The claim was for unauthorized charges due to the theft of my card. The claim was supported by a police report. I contacted customer service over 20 times and spent hours on hold just to be denied 2 months after the claim was made. 

It didn't make sense to me that after closing my account twice without notice " for my protection '' causing me to go months without my benefit funds, how Bank of America could deny my claim when ACTUAL FRAUD HAPPENED??? 

I just read an article about CFPB fined Bank of America XXXX XXXX for closing accounts for no reason and denying benefits to us for months. That's why I decided to make this complaint. 

Just recently, on XX/XX/XXXX I called BOA Pre Paid to reopen my claim. After doing so I was told someone reopened my claim XXXX XXXX XXXXXXXX. I don't know who did that but the agent named XXXX said that my claim had been reopened and HAS BEEN IN PENDING STATUS FOR ONE YEAR. 

I have email threads with many people about this incident. I can forward every piece correspondence to CFPB but I don't know where to attach or the correct email to forward this messages and emails. 

Please help me rectify this issue. BOA Prepaid claim number XXXX. XXXX XXXX. 

Again, they closed my account for fraud protection ( for my protectio ) but when actual fraud happens I get denied the money the was stolen. 

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 2023-01-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My wife and I had credit through Wells Fargo for XXXX purchased through XXXX XXXX. The credit loan was {$6000.00} and our balance was {$1200.00} at the time my XXXX XXXX XXXX XXXX. I was not aware of the payments issues until I tried to use my credit card and found out it was on hold. I went to the bank to inquire about the credit card and found that the bank suspended my credit card because of a separate issue. I asked the banker how can I fix this issue with the XXXX XXXX account and get back in good standings with the bank and release the hold on my credit card? the XXXX XXXX Department name : ( XXXX XXXX ) associate account resolution representative, denied given me an option to get back in good standing. Please note my history with Wells Fargo Bank during the last XXXX  years. 
*Opened a checking account in XXXX and took advantage of Bill Pay which I've paid off XXXX car loans and I'm currently paying my Mortgage through Wells Fargo Bank Bill Pay * Opened a credit Card account in XXXX that is also on bill pay recurrence. I had/have a {$6000.00} credit limit with a {$2300.00} balance. This bank could have worked with me so, I could move the XXXX XXXX  balance to the credit card. 
* Wells Fargo offered me a {$10000.00} Signature Loan in XXXX which is also on bill pay recurrence. I have enough history with this bank to be treated fairly when I have shown a history of responsible banking payments. I would like to work-out the XXXX XXXX account as well as regain my credit card status of {$6000.00} limit.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-09-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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:
On XX/XX/2021 XXXX XXXX report shows incorrect information. Lists a bank account with Routing # XXXX acct # XXXX I have no know of this account. The address listed on XX/XX/2021 is incorrect, along with my email address listed, name and phone number. 
My chex system report shows on the same day XX/XX/2021 a hard inquiry from American web loan With the same incorrect information listed on my XXXX XXXX. I believe my identity has been compromised. I have been denied over and over again for bank accounts, credit cards, car loans, Im paying a higher premium for car insurance and finally getting a car loan thru a buy here pay here dealership my interest rate is 19 %

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 2021-07-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The credit reporting agencies did not correct my score to where it should have been up in XXXX of XXXX, even though the letter I had sent stated that the school loans was all discharged as far back as XX/XX/XXXX. Also XXXX  took my credit score down another 55 points after the results from my dispute with CFPB. I have notice that they went up 55 points and then they went back down 55 points. This needs to be investigated to see why this is happening, and why my scores don't reflect the discharge letter that I sent in to show how far this corrections should have been completed.

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 2022-11-18
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: Personal information incorrect

Complaint:
All incorrect addresses and names should have been removed from my Credit Report. I called XXXX, Experian, and XXXX in XXXX of 2021, and nothing has happened. I mailed out letters to the above Credit bureaus, and nothing has happened.

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 2023-04-26
Company: EQUIFAX, INC.
State: TX
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 sent certified letters with tracking and receipt tracking to Equifax. I have sent a letter to remove inaccurate personal identifying information on XX/XX/2023. I've also sent a letter to remove inaccurate credit information on XX/XX/2023 and a letter of method of verification on XX/XX/2023. The time frame lapsed to the request on XX/XX/2023. 

In accordance with the FCRA, Equifax violated my federally protected consumer rights under the following Consumer Code of Laws. 

15 U.S. Code 1681 a ( 4 ) Due to privacy and confidentiality 15 U.S. Code 6802 Did Not give me the option to Opt Out 15 U.S. Code 1681i ( a ) 6 ( B ) ( iii ) Did Not receive the Method of Verification requested Per FCRA 611 ( a ) ( 7 ) Did Not reply in 15 days 15 U.S. Code 1681i ( a ) Did Not due a complete investigation Per FCRA Section 604 a consumer reporting agency reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681s-2 a

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted USAA to do an interest rate reduction refinance loan for my VA home loan that is currently with USAA. I went through application, and when I received my disclosures, saw that the required disclosure " IRRRL Comparison Statement and Recoupment Calculation '' was wrong. I contacted USAA and my mortgage specialist acknowledged there was an error, but said she didn't know if she could fix it. I told her I wanted to know the actual numbers before deciding on the loan. 

On Saturday the XX/XX/XXXX, I got a call that asked me to send an email/photos of what was wrong. I sent it the same day, with two issues : I was looking for a loan comparison that normally comes with a cash out refinance, which apparently doesn't come with an IRRRL -- - and I was looking for a corrected IRRRL disclosure. I sent photos of the document with notes to clarify the error. 

On XXXX XXXX, I got an email from USAA 's Loan Originator telling me that " we are talking about different things '' and " Unfortunately, we would not be able to generate that document for an interest rate reduction refinance. '' On XXXX XXXX, I received a call from the mortgage assistant stating the same, and affirming that despite the number being grossly wrong, " management '' told the assistant they weren't going to fix it or send out any more disclosures. 

A huge factor in refinance is the recoupment for the loan cost. My current loan is with USAA, however, they incorrectly list PITI and PI as the same amount, despite knowing otherwise. They own my current loan and have ready access to this information. The comparison rate lists the new PI, and comparison PITI correctly, and this " funny math '' makes the time to recoup closing costs grossly incorrect. 

I was told the actual savings for buying down points would be somewhere around {$400.00} per month, with points at the cost of over $ XXXX. However, the disclosure incorrectly states the reduction in PI to be almost {$1100.00}. This is almost 200 % the amount I was verbally told. At this reduction, it would only take 10 months to recoup closing costs, which is what the disclosure states. I have asked repeatedly for an accurate disclosure and was told " no ''. 

I think it's wrong to lie/mislead a customer, much less a Veteran. I have banked with USAA for over 18 years, and I was really shocked that the primary disclosure for IRRRL was grossly wrong. USAA wasn't willing to fix it. I have not received an accurate disclosure. Banks should be held to an accuracy standard.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/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 2020-03-17
Company: Experian Information Solutions Inc.
State: VA
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 have disputed XXXX XXXX  several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax credit bureau fail to delete this fraud account from my credit report. 
The creditor agreed the account was opened due to fraud and shall delete from my credit report. 

INVESTIGATE OR DELETE THIS INACCURATE ACCOUNT. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Several months ago I tried to close my Citibank Costco Anywhere Visa card. I have not used this card in years, received a statement for my " automatic '' Costco membership renewal, and called to cancel both the credit card and my Costco membership. After at least a dozen phone calls, I was finally able to cancel the Costco membership and thought I had gotten the credit card zeroed out and closed, but no ... I keep getting statements for {$2.00}, now {$3.00} and they just will not get this right. Please tell them to zero out this account and to stop sending me statements. They do not and will not listen to me. 

Also, please stop allowing companies to force customers into automatic renewal situations. Not only is it a time-consuming nuisance for those persons who are fully sentient and do not wish to continue, but an impossible situation for those persons who are no longer fully sentient. And an automatic renewal is not always an immediately-detectable situation to caregivers and guardians. 

Thank you, 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