BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-12
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am filing this complaint against my mortgage company Nation Star located in XXXX TX. I have a adjustable rate mortgage. I purchase this home in XXXX 2007 the first mortgage company it nation star after about 6 mos after we sign the paper my daughter XXXX is the primary on the loan but does not live here she only help me out at that time because of her credit status was good and my was between fair and poor but my rate is XXXX at that time and it still is the rate never drop. I have been trying to get this mortgage out of her name and place in my name only so she can purchase her own home one day. I have paid this mortgage by my self since then which is XXXX. I have try to get a modified loan from them but can not I did all of the paperwork and fax everything on time by the time it got to the last part of the process they said I was missing some paperwork mine you through this process I have fax and talk to a lot of different people at nation star but was declined because they said I did not get it them on time I have every piece of paper that was done and fax to them. I was also told by one the representative to go and put the taxes in my name and they would be able to take XXXX name off of the mortgage but they did not. I have brought my credit score up and have try to get it refinance they last company said they could but once they found out it was a conventional mortgage they said it was nothing they could do was told to contact consumer financial protection bureau. To see if you could find out if this loan is a pertgetory loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : CAPITAL ONE AUTO FINAN Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NC
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: CA
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 Disputed an collection account on my report with inaccuracies then experian, XXXX and XXXX verified the account so i sent another letter asking for the method of verification which i never got and im getting denied for credit and housing opportunities because of this my rights have been violated due to section 15 usc 1681i ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: In progress
Consumer complaint received 2023-04-28
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Former bookkeeper applied for credit fraudulently under the owner 's name, social security and date of birth. Funds were withdrawn from our account illegally and we asked for it to be reimbursed. We submitted an affidavit under their direction, spoke to them yesterday and they have confirmed this loan was indeed taken out fraudulently. Unfortunately their investigation stopped there, until we spoke to them yesterday asking to be reimbursed {$8500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions 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:
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: In progress
Consumer complaint received 2023-02-10
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of my apartment at XXXX XXXX in XXXX on XX/XX/2022. I received a Final Notice of move-out charges totaling {$390.00} on XX/XX/2022, which was also the first notice as I received no other correspondence regarding this matter either through email or regular mail. They are trying to charge me for upkeep of normal wear and tear, specifically replacing a carpet. Both the terms of the lease and Florida law state landlords are responsible for maintenance of normal wear and tear. I started the dispute process with the landlord through email, and they were unable to provide me with information on why I should be charged to replace the carpet. The only explanation they were able to give me was that it was " excessive wear and tear '' and the carpet 's " usefulness '' had been used up, but were unable to provide specifics on either of these descriptors. In the middle of me disputing these charges my previous landlord stopped responding to me on XX/XX/2022. After not responding to me for 2.5 months, the landlord sent my account to collections and is now saying I have to bring up all disputes with the collections agency. I believe the " debt '' the landlord sold and the collections agency is pursuing is illegal. The collection agency also did not provide me with their license to collect debts in Florida after I formally requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom it may concern, My wife XXXX XXXX has had an Comenity/Ann Taylor Mastercard account XXXX Ann Taylor XXXX # XXXX XXXX XXXX XXXX. She went into the XXXX in XXXX for 30 days. I had to cancel her card. I paid it off with the balance they told me., then I got an interest payment 0f {$120.00} which they never told me, but I paid it. After that I received and interest payment for {$2.00}. I called and they said they were removing it. Here is the number the representative gave me for cancelling the {$2.00} payment on XX/XX/23 # XXXX. I have tried to call and straighten this out to no avail. this bank doesn't care. It's not the {$3.00} which they now added on, it's the principal that they can get away with it. This is unacceptable. 
Comenity is a Horrible Bank and customer service, Please help. Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-17
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX reporting on my credit report is FRAUD and FRAUD by the credit reporting bureaus and fraud by XXXX 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: GA
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account with US Bank. Prior to XX/XX/XXXX. I used promotional Code : XXXX. I had to direct deposit {$6000.00} within 60 days of opening the account. I have yet to receive my {$500.00}. I fulfilled all the requirements on XXXX XXXX, XXXX. I have called multiple times. Claims to the " investigation '' team have been submitted each time. I asked to speak directly to the team and was told " NO one can talk to the team, only request for information forms can be submitted through their backend system. '' So three claims were submitted. 

XX/XX/XXXX : Case number : XXXX XX/XX/XXXX : Case number : XXXX XX/XX/XXXX : Case Number : refused to give to me Called again on XX/XX/XXXX. Customer service transferred me to Promotional team, since she said she couldn't help me. Promotional team told me they can't help me and transferred me back to customer service team. I asked to speak to manager. He did not get on the line. Told me they can only open another case and Manager is claiming that he will call me within 2-3 business days. His name is XXXX XXXX would not give me last name ). XXXX call center. 
told they can't give me a case number but manager would in a few days.

I asked again to talk to manager. 

XXXX got on the phone and claimed the special group contacted me, but they did not. 
Also claimed that the fine print said that it would take up to 90 days for funds to be deposited after the promotional terms have been met. I challenged his information and told him to look at the fine print. He put me on hold. Looked at the fine print. Came back and told me that it was only 60 days. I told him that it has been more than 60 days and I wanted my money. 

XXXX then stated the back office will call me in 2-3 days, not him. Different story again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NC
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'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 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: In progress
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the account listed as XXXX XXXX multiple times with Transunion and they refuse to delete the account. Both XXXX and XXXX have both deleted the account due to inaccurate reporting of information but somehow Transunion continues to report it as Verified as accurate. On XXXX they issued a response updating and reaging the account when I asked for it to be deleted. They updated date updated, original creditor, and payment received. The FCRA states that an account must be deleted for inaccurate reporting, yet they continue to report it as accurate. I sent a third dispute letter on XXXX requesting them to validate the debt and send me the documentation that proves exactly how they verified the account and all they sent me was a generic letter stating they called the creditor, this is unacceptable. Also, they did not update my credit report to show that I'm actively disputing the account. This inaccurately reported account must be removed 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 2015-10-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 Nation Star and XXXX XXXX Trustee are threatening to sell my homein XXXX XXXX Ca XXXX XXXX bought and owned by me for over 15 years ). 

This is very disturbing since this threat along with Nation Star and their Trustee are NOT following Federal and State Law, The California Home Owner Bill of rights and the settlement that was made by the California Attorney generaland Governor specifically : OFFICIAL NOTICE TO STOP ILLEGAL SALE by the trustee Offices of XXXX XXXX and NationStar1. Nationstar is breaking the law. 
2. Your office is a California Law Office and as such must advise your client and follow the California Laws. 
3. We have requested over 5 times to have a " single point of contact '' this has never happened and is still not happening!!! 
4. As you know under California law : " GUARANTEED SINGLE POINT OF CONTACT '' NATIONSTAR failed to do so. 
5. QWR and alleged Debt Validation : We have requested over 5 times. 
6. NATIONSTAR has failed to provide. 
7. Account Reconcilliation of the alleged debt : We have requested over 5 times. 
8. NATIONSTAR has failed to provide Reconcilliation accounting. 
9. Accounting and Re-instatement figures : we have requested over 5 times. 
10. NATIONSTAR has failed to provide Accounting Re-instatement. 
11. Loan Modification has been submitted as a consideration ( if Nationstar provided ample proof of the alleged loan ) 12. Severe violation of the " DUAL TRACKING '' law. 
13. Defective documentation and defects in alleged loan and alleged foreclosure. 
14. NATIONSTAR has failed to provide all requested items from the foreclosure procedure and guidelines as provided by the California Statutes and law. 
15. NATIONSTAR has failed to comply with the proper notification of at least 30 days " trustee sale '' by not mailing " certified '' nor " registered mail '' nor even " regular mail '' nor with an email nor with the " single point of contact '' as provided by California Law and Protection. 
Due to all of these reasons and more ( as we have other items that have been requested as part of the '' debt validation process '' ), it is hereby Demanded that the illegal " trustee sale '' come to a complete Hault and that at thevery least be placed on an immediate " HOLD '', " POSTPONEMENT '' while a FULL INVESTIGATION takes place. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I order a copy of all 3 credit reports and I notice that bankruptcy was on all 3 reports equifax, XXXX and XXXX I disputed this bankruptcy and i ask all 3 credit bureaus for verifiable information and they said they verified from the bankruptcy court, so I reach out to the bankruptcy court and they sent me a letter stating they don't verify any information with the credit bureau 's and they do not report bankruptcy on a person 's credit report. I will include court paper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Seeking monetary relief for federal violations .attached is dispute for incomplete and inaccurate reporting that has been verified next step is to file lawsuit if accounts are not deleted.

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 2023-09-22
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Sub-product: Store credit 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:
On XXXX, someone opened an account under my name at BestBuy and purchased ~ {$1300.00} of goods On XXXX, someone opened an account or used my old account under my name at XXXX and purchased ~ {$7500.00} of goods

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 2023-09-21
Company: CITIBANK, N.A.
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Someone gained access to my mobile account and cashed checks and I was held responsible for these actions and they knew that there was a problem. They called me and told me that there was a breach in the security and they let this happen. Then they made me pay for it XXXX dollars worth and then have closed all my accounts and kept the remaining money in the accounts for two months now and there is no end in site

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 2023-03-03
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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX  XXXX XXXX Balance : {$760.00} ; XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$0.00} ; 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