BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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:
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. 

XXXX  XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX  PA in XXXX north carolina sent me a default judgement letter. I looked at it and I tried to call them about this letter but they will not answer my phone calls. ive been making payments to them for the charged off bank of america credit card. i made them stop taking money because they illegally took the money out of my checking account, forcing me to change my account information with my bank. also, they wanted me to sign a confession of judgement. i was going to sign it but i fell ill. i am suffering from major health issues from the XXXX XXXX. so i get hindered a lot from going places and doing things. i guess they took this as a sign that i didnt want to sign it. so they put a default judgement out against me. i called them multiple times, at least 3 days in a row this week but they wont answer me.

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 2023-09-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXXXXXX  I report to fraudulant charges for {$23.00} and {$24.00} that were made on my account to an out of country XXXX ( XXXX ) account. My debot card was cancelled and I was sent a new one and those charges were reversed by XXXX on XX/XX/XXXX and an investigation was opened. On XX/XX/XXXXXXXX  XXXX reversed their decision and charge me the {$23.00} and {$24.00} stating they found no fraud. I called XXXX on XX/XX/XXXXXXXX  to dispute the charges. They told me that they denied the claim because I had past transactions with the merchant that had gone undisputed. I asked for the exact dates of these alledged charges and they could not provide them and I was unable to find them in my transaction history myself. They allegedly reopened the investigation because they could not explain the denial, but on XX/XX/XXXXXXXX  recieved a letter stating it was still denied. I called XXXX again on XX/XX/XXXXXXXX  and asked for further explaination. I spent an hour on the hold while the customer service representative went back and forth with his supervisor to " get an explaination '' for the denial. At first he said I was denied because of past transactions with the same merchant but could not give me dates of these transations. After another 40 minutes on hold he came back and said it was denied becuase " the transaction was made from a device I had used before ''. This is because my card number was stolen from a fake website that I thought was legitimate, but was not. I reported it minutes after is happened and it was clear that the charges were foreign as they had foreign exchange rates attached them. I asked XXXX to send me the detailed investigation documents and they representive on the phone kept saying " The letter was already sent to you ''. I explained that I do not want the letter saying I am denied, but I wanted to investigation paperwork. He kept saying it was sent, and I have not received anything of the sort nor is their reasonly for denying my claim reasonable. I am asking the CFPB investigate this situation seeing that XXXX is unable to give an adquate explanation for their denial of my claim nor are they providing me with any doucmentation with details. I can be contacted by phone at XXXX or my email at XXXX. Thank you in advance for your assisitance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ), I am challenging all inaccuracies or deficiencies of reporting from my credit report. The information in my profile needs to be accurate and complete, so I am asking you to follow the Metro 2 compliance standards and FCRA law to ensure that all data is accurate and up-to-date. If you find any misrepresentation of facts on my credit report, it can have serious consequences, so I need you to fix these problems right away. From this point forward, I only want factually accurate, verified, and compliant data documented on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act : 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 XXXXas violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been complaining to all about taking advantage of me and after going on 3years I have been taking out {$300.00} dollars out of my savings account in which social security sends my checks into a savings account and not a checking account. But now going on three years Wells Fargo didn't tell me anything about all of these hidden fees after I have been going into this financial institution and getting some of my writings notarized and either getting the {$300.00} dollars to pay for the utilities for in which I reside at this institution didn't tell me about all of these hidden fees after all of this time I should have been told this before hand. Like I told you all before my government benefits goes into my savings account and nt a checking account. Now this banking institution wants to charge me all of these hidden fees and the way Wells Fargo is trying to justify this after going on three years now they are telling me that from {$10.00} jumped all the way to {$300.00} and told me that I overdrafted my account and they have told me that I authorized that I authorized them to sign me up for over draft protection in which I didn't authorize this institution to sign me up for over draft protection and I have told them before I have called them to remove that {$10.00} from my savings account to pay for that service fee. But now XXXX jumped to XXXX cent 's and they have told me that I used online banking and I have told them I don't know how to use online banking I always call them when I need I need money to pay for a transaction I Never use online banking because I don't even know how to use online banking. Unless Wells Fargo and it's affiliates has forged my name on documents and open up a fake account and taking money just like this institution has done to other consumer 's that are on XXXX and taking advantage of people that trust Wells Fargo to take care of their money just like this institution is trying to take mine. And I would like to say that only because we are in a pandemic doesn't mean to take advantage of people that XXXX and taking their money knowing that a lot of people such as my self is on a fixed income. And I wouldn't be able to sleep at night knowing that I have taken advantage of someone that is XXXX and struggling.

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 2022-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 I was held at gunpoint and was forced to give up items and information such as my credit card, my debit card, the pin to both, my wallet and also my phone. So of course for my safety I gave up those informations. I called bank of america because the very next day I see that those individuals used every single last dollar out my credit line so I disputed those transactions for the amount of {$440.00} and the claim was submitted XX/XX/2022. I asked for my card to be expedited because I had to go out of town that same week so I needed that card in my hands quick and not laying around anywhere. The day my card was supposed to come I noticed that it wasnt in my mailbox like it said it was on XXXX and I was quick to check my transactions once again and I noticed those same credits that I was reimbursed for was taken once again and I didnt have the card with me so I filed another dispute. Same thing I asked for the card to be expedited once again and same thing the day of the delivery it wasnt in my mailbox and once again checked my transactions and saw the credits was still being used once again. This happened 3 times and I reported it 3 times. This is most likely happening because my mailbox is out to the open and broken. 4th time I finally got my card in hand because I waited outside the whole day to see where is my card because I could not lose it again and I was trying to purchase a box of pizza for {$5.00} and it was being declined over and over so I went to check my account and saw all the credits that I was reimbursed for the 3rd fraud dispute was declined and taken right back. So now Im done to {$0.00} in credits and I spoke to a representative at Bank of America and was told theres basically nothing they can do if its been declined and I keep telling them all this purchases was not me and that I havent used my credit card since the first week of 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 monetary relief
Consumer complaint received 2017-07-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Upon trying to sell my house, it was found out that my payoff amount was higher than thought ... .Nationstar mortgage ( loan # XXXX ) shows an interset bearing principle balance of XXXX XXXX and a non interest bearing principle of {$79000.00} ( attached ) ... .Nationstar cant tell me what this {$79000.00} is and doesnt have any documents to provide..They told me to call XXXX XXXX ( loan # XXXX ) whom they purchased the loan from in XX/XX/XXXX ... XXXX cant seem to find out where this amount comes from ... when asked to provide proof of this with documents, they have not done so ... They sent what looks like an amortization schedule.. ( attached ) ..PHH took over the loan from XXXX XXXX ( loan # XXXX ) in XX/XX/XXXX ... I had a loan modification with XXXX ( attached ) and a loan modification with XXXX in XX/XX/XXXX, which I have no documents and XXXX hasnt sent ... .The problem is my total payoff with Nationstar is {$250000.00} and my loan originated at {$250000.00} in XX/XX/XXXX when I bought the house 10 years ago, and XXXX cant come up with proof or documents and neither can Nationstar, about this extra $ XXXX..Please note, when talking with XXXX, XXXX with litigation department, cut in and said XXXX doesnt service the loan anymore and can not give me documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We purchased home appliance set in XXXX from Home Depot on a promotional month plan for their credit card. We were paying it off in full during the promotional period. 

In XX/XX/XXXX, we made an additional purchase, and the online portal for Home Depot made a clear statement that the balance of our current purchases were eligible for a new promotional rate again ( XXXX interest ). We accepted this promotional rate, and adjusted the payments we otherwise would have made. It did not say anything regarding what would happen to accrued interest on the original purchase, clearly appearing as a balance carry forward without penalty. If it had been in anyway made clear this balance would be subject to penalty as part of their promotional efforts, there is absolutely no chance we would have amended our payments. 

In XX/XX/XXXX, Home Depot then charge us the full interest on the appliance purchase despite clearly marketing to us that this was a promotional rate for the full balance. To date this is over {$1000.00} dollars. 

It's clear from payment history that we changed out payment with the new promotional offer to reflect what was communicated online by Home Depot. We continued to make regular payments, without notification our outreach from the company other than expected monthly emailed bills, for which we had no reason to suspect interest accrued. Home Depot has been charging us interest since XX/XX/XXXX. 

The attached document below includes email confirmation for my Wife ( XXXX XXXX ) on the new promotional offer, Home depot 's standard promotional language, and the change in payments reflecting the date of the promotion.

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 2017-07-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Atty. at XXXX XXXX XXXX XXXX XXXX, refuses to call or write back to me up to this point. I have repeatedly called and texted him, and his associates..!! They forced me into signing an Illegal settlement agreement that I was total against, from the beginning..!! I was told that if I did not get it signed and notarized that the Lender would not help me and foreclose immediately.! They are claiming that they did n't receive any of my necessary paperwork.!! I have sent it to them twice already and faxed to the lender many times in the pass with no reply.. At this point I believe they have been paid off and can careless if I can get my loan mod. re-instated or restructured or not! which is not fair too my Family!! I have been television for this situation! and thought it was settled.!! THE XXXX XXXX XXXX XXXX.!! They are letting the clock run out on me, on purpose.. They wont tell me who to talk to at my lender..I have called the opposing counsel, the want respond to me.. my lender say they cant talk to me, because of the lawyers ...! If this is not resolved before my sale dated I will have to file a LAWSUIT ON BOTH MY LAWYER AND THE LENDER..BECAUSE I DONT HAVE A CHOICE..!
CAN SOMEONE PLEASE SEND THIS TO BOTH XXXX XXXX/ OF XXXX XXXX CA .... NATIONSTAR MTG..OF TEXAS ...!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-02-01
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company Carmax mistakenly charged off my car account, my account was was being reported as a charge off even thought i still had the vehicle and as Still making my payments on time. I called to resolve this several times and since it couldnt be resolved i decided to get rid of the car. I actually sold it back to carmax for more money then what my balance was on the vehicle. This is illegal to report a debt as a charge off that im still paying for and that is till in my possession, how can a open account be charged off as well. A charge off means a lender or creditor has written the amount off as a loss, and the account is closed to future charges. My account is in fact still open and a charge off normally happens when you fall behind, i have never fell behind on my car payments.

Company response to consumer: Closed with explanation