BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX and this is my first complaint against your company for not handling my disputes properly. Im attaching my documentation once again since your investigation took more than 30 days and you havent corrected my credit report. I expect to get a answer from you guys in 10 business days resolving my matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-05-19
Company: Experian Information Solutions Inc.
State: NV
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:
On several occasions, I have filed for my invasion of privacy 15 US 1681 ( a ) ( 4 ) consumers ' right to privacy and identity theft. Previous case numbers XXXX XXXX, XXXX XXXX, XXXX Experian XXXX I have proven several times that I never gave written permission to use my information on any credit report. These credit bureaus constantly write back stating that your Bankruptcy is accurate. I already know that. This also shows continuous identity theft by not removing Bankruptcy from a credit report when showing violations. I have filed with Nevada State Attorney General 's office for identity theft. Violation NRS 205.4651.

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 2021-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 was notified by my bank XXXX XXXX that an account was opened with my information at Bank of America on XX/XX/21. I did not open this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I used my Capital One credit card to pay for a travel trip through XXXX XXXX XXXX XXXX XXXX. I paid for the trip in full on XX/XX/XXXX and it was {$3000.00}. The company filed bankruptcy shortly thereafter and I was notified on XX/XX/XXXX that my trip would not be rescheduled. I took steps to get reimbursed through Capital One but they have told me now, twice, that the time limit has expired. I have already sent in a letter with all the requested documents requesting my case be reopened and I be reimbursed, but they are still telling me that I am out of time and they will not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-19
Company: Experian Information Solutions Inc.
State: PA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some INACCURATE ADDRESSES left that need to be removed. Per FCRA section 605 you are required to remove any ADDRESSES listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold them accountable for they willful noncompliance. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX; XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2018-03-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX-XX/XX/XXXX I was in the process of trying to settle an old mortgage with XXXX and, unfortunately we could not reach an agreement. Approximately 10 days ago I contacted XXXX to try and settle the account and after speaking with the representative, we were again unable to reach a settlement amount. During the conversation, the rep mentioned that the reason we had not heard from them was that there was a " Cease and Decist '' letter on file. The rep then asked if I wanted to remove the letter so they could contact me regarding any specials or promotions and I declined. She attempted to persuade me to remove the letter a few more times and I said no. Then 2 days ago, my wife received a voice mail with an aggressive message from the rep stating we needed to call right away! I can not believe they would blatantly disregard our Cease and Decist letter and also our request via phone to not be contacted. This is NOT ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

! 5 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: AR
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:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain some records with such an error, for that i am expected from you to help me remove these inaccurate items. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. It seems no one care, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items are such an erroneous on my file that needs to remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX Balance Owed XXXX {$2000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2018-03-08
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received on XX/XX/XXXX that a foreclosure sale on my house have been scheduled for XX/XX/XXXX. Mr. Cooper has not since it took over from Nationstar Mortgage reach out to me to discuss the issues concerning my HAMP Loan Modification which I applied for in XXXX, and which is yet to be resolved. The foreclosure sale notice which I received from XXXX XXXX, XXXX claimed that I should find a copy of the advertisement of the foreclosure sale as published in XXXX XXXX XXXX ; that is not true. The claim is false as I did not find any copy of the advertisement enclosed in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Company 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 2023-05-23
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2019-01-02
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX, XXXX  and Equifax are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.govXXXX I also have received a notification from the law firm about class action that Equifax lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices.

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Klarna AB
Product: Credit 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:
I ordered from XXXX XXXX XXXX XXXX ( XXXX  XXXX  deal with this ) After months they contacted me and told me they can not fulfil fill order - so cancel it. 


The credit company I used KLANA have had the refund but not refunded me as promised. 

In the time it took waiting for my order I'd paid 2 of the 3 installments totalling XXXX I am still waiting for this to be refunded. 
I received an email to say they had sorted it but still after waiting no refund has arrived. 
Their customer service is poor Bizarrely there seems to be an XXXX charge still on. Although I received non of my order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My mortgage company, Mr. Cooper Mortgage, moved me to a lender forced homeowners insurance policy XXXX XXXX XXXX XXXX ) in XXXX of 2017. I first discovered this a few weeks ago when Mr. Cooper had sold my mortgage to XXXX XXXX. When reviewing my new bill from XXXX XXXX, I noticed that my escrow account had a shortage of {$2700.00}, and my monthly mortgage payment had gone up by {$390.00}. Six months had gone by without me knowing that I was placed in a lender forced homeowners insurance. 

I contacted my insurance agent at XXXX XXXX and he said nor him or his company had ever received any communication regarding insurance verification from Mr. Cooper Mortgage. XXXX ( my insurance agent ) and I called Mr. Cooper Mortgage company together and a representative from their hazard insurance center stated they made two attempts to call XXXX XXXX to obtain a declaration page and verify my homeowners insurance. Those attempts were apparently made on XX/XX/XXXX and XX/XX/2017. However, XXXX and XXXX XXXX made it very clear that no communication from Mr. Cooper, written or verbal, was ever received. The Mr. Cooper Mortgage rep then stated on a recorded line : We have documentation in our system that states the calls were disconnected. We asked for documentation of the two attempted phone calls and Mr. Cooper Mortgage was not willing to provide it. We also asked if the calls were disconnected, why didnt you try calling back? The rep did not have an answer for us. XXXX further added that nor him or his company would ever verify someones insurance over the phone, that it always has to be done in writing for documentation purposes. And because Mr. Cooper stopped paying my XXXX insurance policy, XXXX dropped my coverage. So unfortunately I cant provide proof of insurance since there was a laps in my coverage. 

The Mr. Cooper Mortgage rep also stated that a letter was sent to my home to notify me of this change in insurance which I NEVER received. The lender forced insurance they provided me was {$2700.00} annual, which was almost 4 times the amount I was paying for my previous policy through XXXX XXXX. This is price gouging, bad business and Mr. Cooper Mortgage clearly has an interest in moving their customers to their lender forced insurance partner. And both companies happen to be located in XXXX, GA. 

Mr. Cooper Mortgage made little to no effort to verify my insurance or notify me of my laps in coverage. They are intentional with their poor insurance verification process and are taking advantage of their customers. Now I am stuck with a massive mortgage payment and 6 months of lender forced homeowners insurance that I never authorized or knew about in the first place. I am not an insurance expert, but I know that I am not at fault here. I feel very taken advantage of and wish to file this complaint against Mr. Cooper Mortgage regarding their manipulative business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a payment with my debit card to XXXX XXXX for amount of {$940.00} XXXX per my statement. A few days later I did not recognize the payment on my online account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what could they do. They said they would take care of it and that there was nothing more that I needed to do at this time. SO it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). 

XXXX XXXX has been calling us looking for their money and when they call, we contact the Chase bank and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and no again sent back out. 

Many many months of this back and forth and being transferred to numerous peeps and 2 trips into the bank, have been told there is nothing Chase can do at this time. XXXX XXXX has received their monies and nothing they XXXX XXXX that wen do. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. 

I have been on the phone with XXXX XXXX again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the 1st payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by Chase that they received on XX/XX/XXXX, which they have not received it. 

All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why XXXX XXXX has not received it. ( Have paid the car off now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. 

I have done everything that everyone has asked of me and yet neither one ( Chase nor XXXX XXXX ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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