BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
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: Credit inquiries on your report that you don't recognize

Complaint:
After contacting Equifax directly, informing them that there are some fraudulent inquiries on my credit report that I need removed. They responding saying that the inquiries are factual. 
These inquiries are as follows : XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX It is a violation of my rights for the FCRA for a consumer reporting agency to report information after the fact that I have made them aware that those inquiries are unauthorized and fraudulent. I will include a copy of their response, which did not handle the situation and a copy of my police report, I reported these inquiries to authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NY
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:
XXXX, Equifax and XXXX are reporting inaccurate and outdated information. All of the scores are very low and outdated. Per 15 USC 1681 ( s-2 ) a person shall not furnish information relating to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate information is in fact inaccurate under 15 USC 1681n Civil liability for willful noncompliance. XXXX, Equifax, XXXX has willfully reported inaccurate information that has caused tremendous amount of damage to my credit report and score. I have disputed all of the inaccurate information and the companies never did a complete and accurate investigation. 
There were 16 different name variations and also 19 different phone numbers, 3 different variations of my social security number as well. Also per 15 USC 1681b, there was no permissible purpose given for them to obtain any information about me for any credit. 15 USC 6802 states that a financial institution may not disclose any nonpublic personal information unless such financial institute has provided to the consumer a notice that complies with section 15 USC 6803 of this title. The inquires soft & hard, shows that this law has been violated as per CFR 313 Privacy Of Consumer Financial Information. All of the closed accounts and accounts in collection are paid accounts that are inactive on my credit report. these accounts are paid and the original creditor has settle the debt and the collection company has bought these accounts pennies on the dollar and are trying to collect on them. These are considered income, and are not suppose to be reported per CFR 313. Also per The Family Education and Privacy Act of 1974 educational and financial information is being reported by all 3 bureaus which violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I sent the letters off on this day XXXX XXXX i told them to investigate my account and they said they investigated it but according to the law they didnt do the proper investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: BARCLAYS BANK DELAWARE
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:
Barclays Delaware Bank / The Luxury Card Billing inquiries / disputes Card Services XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Dear Sir or Madam : On XX/XX/XXXX, I was contacted by XXXX  XXXX XXXX by phone regarding a vacation package. The alleged XXXX representative advised me over the phone they were affiliated with a U.S. based chain hotel where I have stayed on occasions in the recent past. I am a XXXX+ year old male and am currently exercising XXXX XXXX XXXX  for various health reasons on the date of this transaction. 

I provided my Mastercard number in good faith as I believed XXXX  XXXX XXXX aka XXXX XXXX   was affiliated with my hotel of choice and therefore was a legitimate company. I disputed a charge of {$790.00} to my Luxury Mastercard on XX/XX/XXXX after not being able to reach the travel company and them not returning my e-mails. I provided Luxury Mastercard with evidence of a sales certificate written agreement via fax which I did not sign or date to activate with the travel company. 

I also did not sign the XXXX Credit Card Voucher emailed to me from allegedly XXXX, XXXX. On this date, I pulled up my Luxury Card account and observed that the charge of {$790.00}, which had been temporarily removed from my account pending investigation was re-applied to my account. 

I was not informed of this and have not received any written notification of this adverse action to date. I will be exercising my consumer rights by filing a formal complaint with the Consumer Financial Protection Bureau due to billing errors, as well as sending all evidence and related documents to my legal representatives, XXXX XXXX XXXX, XXXX XXXX, TX. This serves as a formal complaint in writing regarding the unfair business practices mentioned herein regarding Barclays Bank Delaware aka Luxury Card. Upon reviewing the XXXX XXXX XXXX complaint reviews of this bank/Luxury Card, I observed numerous other consumer complaints filed regarding what appears to be unfair and bad faith business practices.

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 2016-09-01
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to Refinance with HARP since XX/XX/XXXX. Nationstar mortgage Loan Specialists said I was one payment late in XXXX XXXX. On XXXX XXXX, XXXX, made XXXX payment and on XXXX XXXX, XXXX made the XXXX payment. The late payment in XXXX made me not be eligible at that time, since It has not been within a year. She advised me to call again and to try again in XXXX or XXXX when the 1 year is up and eligible with XXXX late payment guidelines from HARP. On XXXX XXXX, XXXX, I called Nationstar to refinance with HARP, now their saying I 'm not eligible because I did not caught up on my late payment till XXXX XXXX, XXXX I made XXXX payments. That I have to try again in XXXX. Also, I received a letter saying that I have late fees on my account for {$580.00}. I have been paying my mortgage on time or at times with late charges of {$9.00} Nationstar late fee charges, after 7 days if payments are not made on the XXXX of the month. I do n't see an explanation on my transactions not even in my monthly billing statements in regards to {$580.00} late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The Credit Reporting Bureaus, TransUnion, XXXX  and XXXX  are ignoring my request to investigate accounts on my credit report, I have disputed these accounts and they need to be immediately removed. I am asking for, The Consumer Financial Protection Bureau help with this information being reported as a violation of my privacy.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

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 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 I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY TWO INQUIRES THAT I AUTHORIZED XXXX XXXX XX/XX/XXXX AND XXXX CAN 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 explanation
Consumer complaint received 2023-06-22
Company: American Financial Network Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on our loan with AFN on XXXX XXXX, 2023 and the 1st payment was due on XX/XX/XXXX. On XX/XX/XXXX, we received an email from our home insurance company that they received notice to change the loan servicer to XXXX XXXX Prior to this email from our insurance company, we were not notified that our loan had been transferred as required by law. 

When I called AFN on XX/XX/XXXX, I was told that it was transferred to XXXX XXXX Mortgage and given a Loan Number ( but still was not given a transfer date or copy of letter ). XXXX XXXX XXXX  disputes that they purchased this loan. I spoke to our insurance company again and they confirmed that they received notification from AFN that it was transferred to XXXX XXXX ( I have a copy of that letter ). XXXX Mortgage also disputes that they purchased this loan. I spoke to XXXX XXXX on XX/XX/XXXX & XXXX, and their records indicate that it was transferred to XXXX XXXX XXXX XXXX. 

I spoke to AFN again on XX/XX/XXXX and finally gave me a Transfer Date of XX/XX/XXXX and was told a letter was mailed on XX/XX/XXXX ( we never received ). I requested a copy of the original letter with the XX/XX/XXXX mailing and was emailed a copy showing a date of XX/XX/XXXX ( same day I requested ). 

Our payment is still showing a Due Date of XX/XX/2023 but all parties have told me not to send payment as they have no record of holding the loan. I still have no clue who the actual loan servicer is since everyone has given us a different company and nobody has record of servicing the loan!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Funds were processed when funds were available for auto payments. Wells Fargo processed them to purposely over draft the account on numerous occasions

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 2018-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a consumer with BofA ( Bank of America ) and I was trying to get a refund on my account for {$35.00} and they refuse me to dispute 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 2021-07-08
Company: SYNCHRONY FINANCIAL
State: VA
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:
Synchrony Bank 's system duplicated a fraudulent charge on my account on XX/XX/XXXX in the amount of {$1100.00}. 
I reported the fraud and they changed my card number. They refunded one of the charges in the amount of {$1100.00}, leaving the erroneous duplicate charge ( generated by their system ) on my bill.

After numerous phone calls, they changed my account number, not just my card number. 
They rejected the dispute for the case because they said it was not disputed under the correct account number, even though it was. Today they want me to open a new dispute, even though they can see the errors on their part. 
I continue to receive statements with the incorrect balance due of {$1100.00}, plus interest and late fees. Today 's account supervisor is saying their system did NOT charge the fraudulent AMOUNT TWICE IN THEIR SYSTEM, ONLY ON MY BILL. 
Currently on this call for 84 minutes and they are saying they did not refund the fraudulent charge only the duplicate charge, and fraud investigation will once again look at this charge. i will hear back in 3 or 4 weeks, sorry they can not provide any correspondence confirming this information. 
and I MUST remain on hold if I wish to have a resolution. 
My dates of phone calls trying to resolve this issue are as follows : XX/XX/XXXX, XXXX and 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 monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX  morning XXXX about XXXX I tried to withdraw XXXX dollars off my payroll card and the ATm said they were having technical difficulties... But they withdrew the money off my card and I received no funds from the ATM... I went to the bank at lunchtime because the card company told me to ... the bank said they couldn't do anything it was the card company responsibly... I work hard for my money and I need my money refunded to my card and I'm getting the run around... please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-08-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage is the only lender out of the XXXX other lenders that I have that give me issues. For about a year they kept calling me and harassing me about payments being late on the XXXX of each month, when in fact I had till the XXXX to make the payment. After a year of calling an yelling at them over the phone they stopped. Thank XXXX some law firm filed a class action against them which I was more than happy to sign up. 

2- They changed my bill to paperless. I have called multiple times about them changing it back to bill. 

3- My Adjustable rate expired and they never notified me that my payments had gone up. They assumed I would log in online and see it. I did not receive anything in mail 4- Every year, the harass me about my home insurance policy, they want to force their own policy on to me and they can not figure out my name after 7 years still.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: AL
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 a complaint for timeshare company XXXX. We spoke with one of their employees who claimed to not work on commission. Unfortunately I can't remember the name. They told us that we're actually making a good financial investment since we will be getting rental income - that is if we enroll in another program which we'll also have to pay for. We were lured into this when they also promised that we'll never have to pay maintenance fees again. They said the resale value would go up & it have some tax benefits similar to owning a 2nd home. Another predatory sales tactics they've used on us is telling us that is we went to quarterly " meetings '' and/or had friends/family members go to introduction meetings, it would actually take money off our maintenance fees. They also made it sound like we were given the privelege of having this special offer because they needed get a higher approval to give us the price offered. We were pressured & rushed saying it's our last chance to upgrade at the lowest price. They didn't even let us read the contract. We were defrauded by this timeshare company, they promised us things would positively different each time things got worse. We're really regretful of the decision in getting into this that obviously just gave us difficulties. This fraudulent account is being reported in my credit records and is hurting my financial stability.

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 2016-02-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed an incorrect collection that had been submitted against me from XXXX XXXX for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by XXXX. I called XXXX and submitted a dispute against this collection as well as the other XXXX XXXX and Equifax. I had submitted various disputes against that collection with XXXX and Equifax and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NJ
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:
UPON ME REVIEWING MY CREDITS I SAW NEGATIVE ACCOUNTS ON MY CREDIT REPORTS

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 2015-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I originally mailed my dispute letter to Trans Union on XXXX XXXX, 2015 and followed up with another letter on XXXX XXXX, 2015 and till this date i have not received a response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief