BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/XXXX an unauthorized transaction was made on my Capital One Quicksilver Credit Card for {$340.00}. The bank did not process the payment since the funds were not available. My credit card showed it as a returned payment and was closed for violating the cards policy. I did not authorize these charges to go through. I pleaded with Capital One that it was an unauthorized charge on my account, but was told it has to remain closed. The same thing was said for my second credit card account with Capital one. 3 returned unauthorized payments on XX/XX/XXXX for {$640.00} and also XX/XX/XXXX for {$340.00}. I am please asking to have these accounts open again. I have been a loyal customer of theirs since 2018. Never missed a payment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted a complaint with your company. Nationstar customer care contacted us and told us we could reapply for making homes affordable even though we got an auction date. Our auction date was XXXX XXXX. We got our paperwork faxed over to customer care at nationstar on XXXX XXXX. By making homes affordable rules you must have paperwork in 7 days before auction. I stayed in constant contact with the representative. On XXXX XXXX I received an email from XXXX XXXX at nationstar that she was going to check on the status of our application. We never heard back from her until XXXX XXXX stating that we had our home auctioned because they never received our application. I have the transmittal showing XXXX pages were faxed on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX and I ( XXXX ) payed our monthly mortgage payments from XXXX, 2016 to the current date, XX/XX/2016. However, we made XXXX payments XX/XX/2016. We have not received any credit to our account or acknowledgement of the checks received XX/XX/XXXX. We would like our account to be credited in the amount of {$970.00} for the extra mortgage payment we made XX/XX/XXXX. Also, we were not able to review the response to our complaints online. Could Nationstar Mortgage and XXXX XXXX XXXX send their written responses to our complaints through the postal mail? XXXX and I do not have a computer at home at this present time. Also, it would just be easier and more helpful for us to read what our mortgage company has to say in regards to our complaints. 
Also, we would like the CFPB to review our case very seriously. We have been victims of fraudulent banking activities by both XXXX XXXX XXXX XXXX Nationstar Mortgage. XXXX and I mailed a letter yesterday requesting that the office of the Minnesota Attorney General-XXXX XXXX send to the CFPB a copy of all the correspondence we had with them as well as with XXXX XXXX XXXX and Nationstar Mortgage..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: RI
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 called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/23. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 non-monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2016-06-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar refuses to communicate with me regarding my mothers loan in which I am the Grantee. I have provided them copies of the Quitclaim Deed and informed them of my mothers passing and that I would like to do everything possible to save the home as I have been living here and plan to live here. There is a current auction on the property

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: FC HoldCo LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2019 The Complaint against Flagship Credit Acceptance : I am filing a complaint against the finance company named Flagship Credit Acceptance for their unethical practices. They worked in conjunction with XXXX to finance this car unlawfully. First scenario is that the contract is broken and inconsistent. We only signed a contract that states XXXX as our creditor not Flagship Credit Acceptance. Additionally, the rates and payments are different from the original and only contract we signed with XXXX versus the invoice Flagship Credit Acceptance sent nearly 20 -30 days later after the ordeal. Flagship typed up an invoice letter with a date that did not even match the date we received the invoice. We asked the dealership multiple times for the name of the finance company but they just said the company would get in touch with you! They knew if they gave us the Finance company name we would contact them and tell them not to do the deal. When we finally got the 1st invoice we called them and immediately told them not to do the deal. They said emphatically no ; and that they already paid XXXX and that we owed them. I am XXXX years old and financed multiple cars in my life and in every instance the finance manager always let me know what finance company would be financing the car and when they would be calling to go over the interest rate and the payment amount. Most importantly they adamantly stressed to let the finance company know you WANT THE CAR because if not they will not finance the car. In this case, they did not do that, they did not call us and verify the rates and terms they just sent and invoice that did not match the contract we originally signed therefore making the contract void. We have repeatedly asked Flagship Credit Acceptance to provide a signed contract that showed we agreed to their terms of the invoice and they refused. Iam asking for the XXXX dollars they forced on us unlawfully and the removal of this account off our credit report.

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 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I used the payment app XXXX through my bank, Bank of America to send {$600.00} to XXXX XXXX  ( XXXX ) and XXXX XXXX in exchange for concert tickets to be provided digitally. However, the tickets were never delivered and I was blocked on the communication platform, XXXX XXXX, by XXXX XXXX. 

I immediately contacted the bank and let them know what was going on as well as my local police department, XXXX XXXX Police Department to file a police report. I spoke with several bank representatives over the next few weeks, trying to get my money back. I was advised that I agreed to the terms of the payment that the money could not be retrieved and because of that the transfer was considered to be authorized and they can not return authorized transactions. I was advised that as a curtosy they would contact the banking institution that the payment went to, XXXX XXXX XXXX, and try to recover the funds on my behalf. I was told that they attempted to contact XXXX for 7 days and when no resolution was achieved they closed the claim. 

On XX/XX/XXXX I was advised by a supervisor in the BOA Fraud Department, XXXX, to contact the Chief Client Care XXXX, XXXX XXXX ( XXXX ), and describe the issue to her, she may be able to grant a one-time-courtesy-refund due to my loyalty to BOA as a XXXX customer. On XX/XX/XXXX, a woman from XXXX 's office called me to advise again that they would not be returning the funds as they are considered authorized due to the agreement that populates prior to sending money. I advised her how upset I was with this resolution and that I would be taking the steps I felt necessary to react to this issue, like pulling all of the accounts from BOA. 

Currently, the funds have not been returned to my account. In order to sign up for XXXX one must provide a real name and email address. Therefore, both banking institutions know exactly who the person is that stole this money from me is, XXXX XXXX. But they are each refusing to take responsibility for the restitution of the funds. 

I strongly feel that this fraud committed against me violates the Electronic Fund Transfer Act and that these large banks are using XXXX to skirt federal banking laws that protect consumers. The ownership of XXXX by the 7 largest banking companies and advertising this service to the retail consumer feels like another way that the large banks dupe and take advantage of the small retail consumer.

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 2023-04-27
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:
This is my NUMEROUS plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or cash. Please take away THESE ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NJ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have this Amex XXXX card that was given to me from my employer XXXX XXXX for a reward i received on my team. The amount was {$200.00}. The expiry date on the card XX/XX/XXXX and I tried to use the card in the first week of XXXX and the card already had {$0.00} balance as of XX/XX/XXXX. Although the back of the card says the balance does not expire until end of the month mentioned in the expiry date which is end of XX/XX/XXXX. Technically I should be able to use my balance until XX/XX/XXXX. 

I tried to contact Amex Customer service and escalated opened a case # XXXX and spoke to someone high up on the chain but they did not reissue new card and asked me to send a hand written complaint. 

Need you help on getting my balance back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-03
Company: ID Analytics, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a loan on a used XXXX XXXX and was denied because of a credit score of XXXX on XX/XX/XXXX from SageStream , LLC. 
My credit score through XXXX  was XXXX. 
I want to know why SS, LLC gave such a low credit score. 
I want a copy of my credit report from SageStream , LLC but they want every piece of info about me and Im not comfortable giving all that info to a company Ive only heard negative information on. 
The application number on the denial letter is : XXXX. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
CHECK HOLD BY WELLS FARGO FOR A DEPOSITED CHECK FROM XXXX XXXX CHECK HOLD VIOLATES WELLS FARGO CHECK HOLD POLICIES CHECK DEPOSITED XXXX XX/XX/2019 REASON GIVEN TO ME FOR CHECK HOLD : WE HAD TO BE SURE WE GOT THE FUNDS FROM 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
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND 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 XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-08-31
Company: EQUIFAX, INC.
State: WI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: NC
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:
The information listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to the credit bureaus. The reality that these items continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries and inaccurate addresses listed below : XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022

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 2019-10-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was paying modification payments when they foreclosed. Their trustee XXXX XXXX XXXX and Ditech never recorded the transfer of ownership. The city of XXXX continues to harass me and fines grow daily. Ditech has gone through 2 bankruptcies and XXXX will not return my calls. The property was broken into a distorted and Ditech kept the insurance proceeds.I received a letter congratulating me on the approval of the modification and the very next day when I called to make the payment ( XX/XX/2018 ) they wouldnt accept it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 non-monetary relief