BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX XXXX 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 of 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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 # XXXX XXXX XXXXXXXX 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 602 A section 2 ; 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 2023-09-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023, I sent a letter to an alleged creditor who was sending me letters about a debt I don't recognize that they claim was charged off. In this letter, I requested that I be sent the XXXX form as proof of the charge-off status. I did not receive any response. Previously, on XX/XX/2023, I have sent a request to XXXX asking to verify information concerning the debt, which appeared on my XXXX report ; this information came back as allegedly verified, but the response was incomplete. A subsequent request for production of the method of verification was made on XX/XX/2023 and went unanswered. As a result, on XX/XX/2023 I made my request for the production of the XXXX showing my full name and alleged account number. When I, as an alleged holder of a charged-off debt, request a XXXX form from a party claiming to be a creditor, it is because I may have a reasonable belief that the debt was not validly canceled or that I do not owe taxes on the canceled debt. As an example, debtors may also request a XXXX form if they believe that the creditor already collected the debt, or if they believe that the debt was canceled due to a clerical error. If a party that acts as the creditor receives a request for a XXXX form from an alleged debtor, they should respond to the request promptly and provide the debtor with a copy of the form when required to do so. Federal law does require creditors to produce a XXXX form to a debtor in certain cases ; particularly, a creditor must produce a XXXX form to a debtor if the creditor charges off a debt of {$600.00} or more, as would seem to be the case for me, based on information shown on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to do a short sale for almost a year. The bank seems to think that I can afford the mortgage and they keep forcing me into a modification. I am desperate as I can not afford the mortgage, the bank is being unreasonable and I have had several offers on the property for the current market value, but the bank is trying their hardest to set me and my family up for failure. they are not doing what the government says the lender should to provide alternatives to me as a homeowner. Now they are talking about foreclosing if I do not sign off on a modification. I thought that the bank was supposed to assist me with foreclosure alternatives? If so, they are failing miserably.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my XXXX homeowner 's insurance has been updated and lowered to {$1400.00} annually @ {$110.00} per month. We 've faxed, emailed and mailed nationstar mortgage over XXXX times and they still fail to update my homeowner 's insurance/escrow records. XXXX themselves has mailed XXXX the new {$1400.00} annual premium records multiple times with no success ... HELP from the CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/18 AARGON Agency Inc, XXXX XXXX  XXXX XXXX. XXXX XXXX NV XXXX place a collection on my credit report for {$2900.00}. Representing XXXX XXXX, XXXX Florida, for a XXXX XXXX  bill that I am not responsible for. I am uploading a document from Florida XXXX XXXX XXXX  showing that I am not responsible for the balance, and what AARGON and the XXXX XXXX are doing is illegal under Florida law.

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 2021-12-04
Company: CITIBANK, N.A.
State: CO
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:
I paid XXXX with my Citi card for a purchase from a company called XXXX XXXX XXXX XXXX. This was on XX/XX/21. I asked repeatedly when my order would ship, they kept emailing me saying next month, next month, etc. ( I already purchased these products elsewhere, they are available from hundreds of retailers ). Clearly, they weren't sending anything and was a scam. Asked to cancel multiple times, they refused. I disputed this with CIti, they said it was a legit charge because I couldn't prove they didn't send anything. I have no idea how to do that? That's why I filed the dispute. A company took my money almost seven months ago, no product, no service, and no refund. 

Sadly, we were customers for 10+ years, tens of thousands spent through Citi XXXX never late on a bill once, not ever. And I had to cancel our account because they literally allowed a fraudulent company to steal {$35.00} from us. They did so willingly, and helpfully.,

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 2023-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Noticed negative accounts was reported in my credit report XXXX - XX/XX/XXXX, both accounts were for apartments in the XXXX XXXX area. I never resident there due to me being station at XXXX XXXX XXXX XXXX while I was on XXXX XXXX service in the XXXX XXXX until XX/XX/XXXX. Accounts was then turned into collections as of XXXX - XXXX of XXXX and are derogatory. Closed credit card with XXXX XXXX  was placed on my credit report XX/XX/XXXX, I never opened an account with XXXX XXXX and status was updated on account XX/XX/XXXX. I sent multiple dispute letters over this time period and have received no results from the credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I negotiated a loan modification for my home loan in XX/XX/XXXX. Nationstar is the servicing lender. I have made full payments under the modification agreement from the beginning. Nationstar has at times refused my payments, charged unauthorized fees without explanation, damaged my payment history and placed me in a position of possible default. They have insisted on phone consultations regarding these matters. Beginning with the XX/XX/XXXX payment I began to make my payments only with certified funds delivered to them by certified mail to establish a legal record of my communication with them. In prior phone consultations their representatives made statements that were not true and Nationstar followed up with charges, fees, misapplication of payments and other actions not authorized under the modification agreement. Available by request are 1 ) the modification agreement ; 2 ) XX/XX/XXXX cover letter with payment ; and 3 ) XX/XX/XXXX letter with payment. I request any assistance with this matter that you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX. XXXX Complaint against Bank of America On XXXX XX/XX/2021, I deposited XXXX. by cashier 's check drawn on XXXX Bank to my Bank of America checking account. I have been a customer of Bank of America for over XXXX years and never bounced a check or missed a payment. 
Bank of America will not allow me to access my funds until XXXX XX/XX/2021. XXXX days after deposit. This time period is excessive in light of the facts and the banking regulations. It is common knowledge that these funds should have been made available in two days. 
I have lost business and investment opportunities as a result of Bank of America 's failure to clear my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I am a XXXX XXXX XXXX XXXX and set up a Paypal account through my XXXX website, and successfully linked it to my XXXX bank account in early XX/XX/2018. 

A donation for {$540.00} was processed through my website by Paypal on XX/XX/2018. Paypal 's policy states that they may hold funds for " up to 21 days '', but when I checked with Paypal after 21 days, they said the funds were still on hold and they could not give me a release date. Note that I am not a product or service provider, so there is no legitimate reason I can see why they would withhold funds donated to me. 

It has now been 31 days, and Paypal has still not released my donation, which is creating an issue for my XXXX. When I asked why the funds are being held, Paypal 's tech support chat line said they did not know. 

For all this trouble, Paypal is charging a " processing fee '' of {$15.00}! 

In researching this issue online, it seems that Paypal has done this to other consumers as well, particularly through the XXXX website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my XXXX XXXX is paid and full and i would like to have it removed from my credit report. 
There are also addresses and phone numbers and misspelled names that are incorrect and should be taken off my report. 
XXXX XXXX is also paid and full and would like to have that balanced updated to show that it is paid and full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX XXXX has a Mortgage with Rocket Mortgage ( Loan Number XXXX ) and unfortunately during the Pandemic I applied for " Federal Housing Finance Agency COVID-19 18-Months Forbearance '' with Rocket Mortgage. I was granted the COVID-19 Forbearance for a total of 18 -months from Rocket Mortgage, and I also received a letter from Rocket Mortgage that says The repayment of the deferred amount will be due when you payoff your mortgage, sell your home or refinance. However, this is not the case and now Im in a difficult position of needing to pay back a Balloon Payment to Rocket Mortgage of {$20000.00}. 

As of XX/XX/XXXX Rocket Mortgage has stop accepting my payments and attempted to modify my 18-Months of Deferral Payments into a 40-year loan and increasing the Principal Balance. On XX/XX/XXXX my Brother-in-law ( XXXX XXXX XXXX ) who I Authorized as Contact on my loan called Rocket Mortgage in my behalf and spoke with ( XXXX ) a Supervisor in Rocket Mortgage Covid-19 Forbearance Relief Department and attempted to explain to her the letter we have received from Rocket Mortgage that these 18-Months of COVID-19 Forbearance Payments are not due until the loan is paid off, sold, refinance or the loan is Matured, we even pointed out FHFA guidelines listed on XX/XX/XXXX Moratorium and Supervisor XXXX declined to look into this matter. 

On XX/XX/XXXX I open a Complaint with Arizona Attorney General XXXX XXXX and later that evening I received an email from Rocket Mortgage that the loan modification has been withdrawn and threating me with Foreclosure, if I do not pay them the Balloon Payment of ( {$20000.00} - {$2100.00} = {$18000.00} ) by XX/XX/XXXX. 
As I was scared of losing my home and Rocket Mortgage destroying my credit, I was not able to get approve for a loan and had to resort in selling lots of my tools and personal belongings at cheap prices to raise {$9000.00} and received the rest money from family. 

Please, review I was deceived by Rocket Mortgage that I wouldnt need to pay back these payment until my loan is paid off, sold or refinance and now I being threaten with Foreclosure by not paying this Balloon Payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Genesis FS Card Services, Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
1. Received notice of approval for credit card I never applied for on XX/XX/XXXX with Genesis FS Card Services who do business with XXXX XXXX XXXX 2. Called on XX/XX/XXXX when received a bill them in the amount of : {$3800.00} for XXXX items purchased from XXXX I never purchased to speak to their fraud department and was told they could not transfer me after dialing the customer service number on the statement : XXXX I then asked for the direct number to the fraud department and was given : XXXX which redirected me back to the same person who answered the customer service number. So they now have my home telephone number.. 
3. I went to the website for XXXX and see it is a company in XXXX, upon seeing this I am going to assume this is a scam that is all related and I have no idea how I will get out of this. However, the voice of the person who answered the Customer Service number for the credit card sounds just like the person who I spoke too when I had an account with XXXX XXXX which I paid off in XXXX and for very close to the same amount I am being charged now by this new credit card company. 
4. Should I call XXXX about this being that they are in XXXX? 
5. Please tell me what to do? I never had this happen before. 
6. I am a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i was a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: FIRST NATIONAL BANK OF OMAHA
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I overpaid on my credit card and had a credit balance of {$2600.00} on my last statement dated XXXX. I called FNBO to get a refund on XX/XX/. The person I spoke with was unsure of how to go about getting me a refund and put me on hold to check. When she came back on she said that they can do that and that she would put in a request with their accounting department. I waited and called back again a week later on XXXX  since nothing was done. The person I spoke with said that she sees that the request was made and that I would just have to wait for the accounting department to process it. It's been 2 weeks since my initial call and there is still a credit balance on the account which means they still haven't done anything about it.

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 2022-11-16
Company: EQUIFAX, INC.
State: LA
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 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 2021-12-04
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX, XXXX is sending me collection notices in the mail on behalf of PayPal to collect on my Pay in XXXX acccount. I believe this is fraud. I dont owe PayPal any money and while I have a PayPal account I do not have a Pay in XXXX account. They are requesting {$670.00} with Reference ID : XXXX I have read this is a scam online and want it reported. 
The company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reference number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Balance : {$630.00} ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX , XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief