BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: CAVALRY INVESTMENTS, LLC
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX Hi. Can you please send the original contract with my signature on it and the address and phone number. Also the payment history. Please take off of my credit immediately thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX XXXX credit card applications were were attempted to be opened in my name without my knowledge. I was able to block my credit report before the third was attempted on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: OH
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 XXXXXXXXXXXX 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 XXXXXXXX, XXXX & XXXX XXXX # XXXXXXXX XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: TX
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS DEBT IS PAID IN FULL AND OUTDATED. I HAVE ASK THE CREDIT BUREAUS AND THE CREDITOR TO REMOVE THIS PAISD IN FULL AND OUTDATED TRADELINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously notified XXXX  thru the CFPB that I am a victim of identity theft, XXXX  responded that Fraudulent accounts were verified as accurate. I would like to know if a account is FRAUDULENT how is able to be verified. I stated that I am a victim of identity theft and I had nothing to do with the following listed on the FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I filed a complaint against XXXX XXXX XXXX for {$290.00} and {$89.00} because they charged me for work not rendered. Of course, due to other issues I am having with NFCU surrounding overdrafts and overdraft fees, Non-sufficient funds and associated fees, Late or other fees and Bounced checks or returned payments - NFCU of course, sided with the merchant ; stating that 'no error occurred ' and reversed the credit applied to my debt card resulting in more fees. 

XXXX XXXX, Senior Investigator with the DMV 's Compliance Enforcement Division ( CED ) can confirm that Quality Auto Services charged me for services not rendered. XXXX XXXX visited XXXX XXXX XXXX and obtained copies of invoices : XXXX and XXXX and told me to take my vehicle back over to XXXX XXXX XXXX to have them put in Spark Plus and Ignition coils that were not put in there before. 

NFCU claims there was no error however the decision was implicit bias and retaliatory - NFCU did not carry out any investigation to come to that conclusion. If NFCU would have actually investigated the matter they would have concluded that I was charged for services not rendered. On XX/XX/2022, I was given invoice XXXX which showed XXXX XXXX XXXX fixing the misdemeanor error ; after the DMV investigated and concluded they charged me for services not rendered and needed to actually fix my vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Kansas Counselors, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed a FTC report letting companies know that I was a victim of identity theft. The company KANSAS COUNSELORS INC., have not removed their account from my credit, which is linked to the identity theft. After multiple attempts, they are still reporting and are violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are trying to complete a short sale with XXXX XXXX thru their sevicer Nation Star mortgage. They ordered a brokers price opinion and charged that fee against the mortgage payoff as a fee. When we asked to see a copy of the BPO that the homeowner paid for, they told us that they do not share that info with the homeowners. We have requested a copy 3 times from XXXX XXXX and one time thru Nation Star Mortgage and were told no each time. We would like a copy of this BPO report in order to properly dispute the value that was given by XXXX XXXX valuation dept. Can you please help us get what the home owner has a right to see since she was charged for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bought home XX/XX/XXXX, had two loans a 15 yr and a 30 yr XX/XX/XXXX is the 15 yr loan completion date, but now I get a notice saying $ XXXX will be due XX/XX/XXXX I have made all payments, docs say loan was for {$13000.00} Math adds up to more and now they want a another $ XXXX ( I do n't think this would be interest, the 30 yr old mortgage is not like this - Attorney says this company has had problems before XXXX XXXX - 3 different companies have passed this on Currently Nationstar Mortgage holds it Can you help What 's so weird is that a fellow worker is being done the same way

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Genesis FS Card Services, Inc.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Genesis FS card services has called me twice today. Both times I refuse to speak with them because I recently became a victim of identity theft and the company who is calling me does not match the name of the card I have and they wont say what card they are calling in regards to until after they confirm the person they are speaking with or the person states their name and verifies who they are looking for with what should be sensitive/secured data, when introducing themselves AND they keep calling from masked numbers. 

I have a Florida cell phone number but I live in XXXX XXXX Alaska, genesis fs card service is masking their calls with a XXXX area code ( Alaska ) and keep calling from different numbers even though they do not have any offices or head quarters in Alaska. I only answer local ( to my location ) numbers because of my children or the police because everyone else who is an Alaskan number can be saved in my contacts due to having one phone number they call from other than toll free numbers listed for customers to call. 

They also seem to only have people of XXXX or XXXX XXXX  XXXX decent calling customers. And I dont know if they are in some boiler room in XXXX or if its really even my actual creditor calling being that they are using deceptive debt collection practices by masking their numbers and calling multiple times in one day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Point Digital Finance, Inc.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I enetered into an agreement with Point.com for a second mortgage which was supposed to be based on future equity. 
The original loan amount was for XXXX. The loan was based on an appraisal that was for XXXX and I would be able to payoff loan in 10 years or less. 
In XXXX of XXXX I again got appraised for a value of XXXX which I thought would the mean I owed this company 67 % of the difference in the apparaised value plus the original loan meaning I owed them XXXX. 
When I spoke to them they said that the total owed at the time was over XXXX and now to date it is over XXXX. 
I have consulted an attorney and they have looked at this as predatory lending. 
I have discussed with them at length and they do not accept appraisals except for the numbers they use that they say are national averages. 
If this continues they will eventually be able to charge me double the loan amount in % years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am requesting the following documents, electronically stored information, or objects, certified copies, or samples of materials related to Loan No. XXXX originated by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX Dated XX/XX/XXXX. A full reconveyance and deed of release was then acquired by XXXX XXXX XXXX, Arizona ( formerly the XXXX XXXX XXXX   XXXX Arizona ), dated XX/XX/XXXX, XXXX XXXX, Arizona on the XXXX day of XX/XX/XXXX, Docket / Records number XXXX. These records should appear on all 3 credit reporting agencies. 

FHA Case number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CITIBANK, N.A.
State: TX
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:
Sent this to Citi... they believed the vendor and NOT the consumer... this site/merchant needs to be shut down. Citi denied my claim without even a call. The merchant is playing them with 100s of pages of fraudulent and misleading documents. They will not accept my return and told me they would just throw it away and deny they got it. XXXX dealer told me I was being forced to buy a fake product by a fake vendor. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Citi Visa XXXX : Billing Inquiries Re : Notice of disputed charge to Account No XXXX XXXX XXXX Anywhere Visa Card by Citi-XXXX Coa Card by Citi-XXXX  Dispute Number XXXX XXXX Merchant : XXXX ( Fraud Site ) Dear [ Fraud and Billing Inquiries Division ] : I am writing to dispute a charge of {$170.00} to my credit account on XX/XX/2022. The charge is in error because the site is either fraudulent or sells damaged goods with no real XXXX  ( return process ). Local XXXX XXXX said they had never heard of their return process and they mentioned the part might be used or not from XXXX The part does not fit my car and or is damaged. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
I have already reported the site to the FTC and the Texas Attorney General. While I still have the part, the representative told me to wait for the XXXXif  I get one before returning the part. He said if I returned the part with no XXXX, they would just throw it away. 

Again, the XXXX  requires me to take it to a XXXX XXXX to validate the part and or warranty. The local XXXX dealer told me they had never heard of such a process or this online site. The vendor will not accept the return without an XXXX, they said they would just throw it away and pretend they never got it. This is clearly a scam from this vendor and they should be shut down for selling fraudulent copycat parts. 
They are clearly taking advantage of the credit card claim process by saying the consumer still has the part. Again, the XXXX dealer said I was being sold a fraudulent part and there is no such thing as them verifying the part. 
The part has since become toxic as it is venting plastic chemicals ( smells ) and has started to disintegrate. If Citi and XXXX will not protect mewho will. 
Attached is a copy of the order and their XXXX  process. The second option is non-sensical since it still requires XXXX to validate/inspect the part. 

XXXX XXXX Vis a Card by Citi-XXXXVisa Card by Citi-XXXX Sincerely 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 explanation
Consumer complaint received 2020-07-28
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: Account information incorrect

Complaint:
EQUIFAX AND XXXX ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE DEPARTMENT OF EDUCATION AND XXXX XXXX XXXX. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. EQUIFAX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT XXXX HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE TWO ACCOUNTS STILL OPEN ON MY XXXX   CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info EQUIFAX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER XXXX HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE S DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY CREDIT SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had put in a application in good faith and credit was not extended to me, my application was denied on XX/XX/2023 and I called American Express saying regardless of yours reasons for denying me my access to credit and taking an Adverse Action Notice against a consumer is Against The Law According to 12 CFR 1002 under the Equal Credit Opportunity Act along with The Consumer Credit Protection Act that's called Discrimination. I also asked if my application could be Retracted but they said it's been past 60 days and we longer have the application since my Social Securitiy Number an Unauthorized Use Of ( Credit Card ) was used and I did not recieved NO Benefit aaccording to 15 USC 1602 ( P ) ( I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a text message to my cell from an email XXXX stating it was a co worker XXXX XXXX and she was stuck at the gas station and needed {$20.00} if I could spare it. I thought nothing of it because this person knew we worked together and even knew my name. I sent the {$20.00} through XXXX and she said I will send you the money back in 10mins. I received another text from XXXX stating XXXX XXXX has sent you {$200.00} and will be deposited tomorrow to card ending in XXXX ( they had my card ) so I believed it and sent {$180.00} since I thought it was an over payment, which I have done before. Today I decided to reach out to my co worker just to confirm because I did not see the money deposited and found out she never reached out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX has violated my rights, they are reporting late payments to the credit bureaus and under these XXXXXXXX XXXXodes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have reached out to XXXX XXXX XXXX XXXX they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXXXXXX XXXX XXXX permission which is another violation. 

My complaint is also with XXXX, EXPERIAN and XXXX who are allowing XXXX XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.I sent letters to Experian, XXXX XXXX and XXXX notifying them of the violation but they are still reporting the payments late as well

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