BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
his complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, 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 2021-04-18
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hello This account is showing incorrectly on my credit report. I do not own this account. Please correct and remove as it is affecting my credit and employment status Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: DISCOVER BANK
State: NC
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:
In the past XXXX years there have been THREE fraudulent charges on my Discover Card. I disputed all three each at the time when the charge occurred. The first two were not properly investigated and I was unable to get a phone call from a human. I therefore paid the fake charges to keep my account in good standing, as I have never as much as carried a credit card balance in my entire life and my credit score is around XXXX. However the third charge was a ridiculous amoung and the final straw. I did still pay the charge while I disputed it. However, for the third time, Discover failed to investigate and failed to return any phone calls whatsoever. I have been requesting phone calls for XXXX consecutive months and have not received a single callback. Their hold times are absurd. Their chatbot online does nothing. So, Discover card actually owes me money as I overpaid the account. Because I have never missed a payment or even carried a balance, this must be the only way Discover card can make any money from me. It shoucld be noted that this same fake charge came up on XXXX other credit cards who both found the charge fraululent immediately. Discover however told me to " call the merchant '' except that is not possible since it is a fake merchant. There is no phone number, address, email address, etc. Discover also mailed me an ilegible document with some lines in it and no text, claiming that was their documentation from investigating the charge, so obviously no investigation happened. They wrongly updated my credit report inaccurately and continue to owe me money. Lastly, they failed to remove a second user on my account that was removed several years ago, then endangered my personal info and privacy by sending that personal person info about my account. I have not yet received a response that addressed even XXXX of these issues let alone the whole complaint. To sum : 1 ) fake charge # 1 2 ) fake charge # 2 3 ) fake charge # 3 ( current ) 4 ) person not removed from account 5 ) inability to investigate fake charges multiple times 6 ) wrong info on credit report 7 ) WILL NOT EVEN GIVE ME A PHONE CALL BACK 8 ) Discover still owes me money Please investigate these horrible crimes committed on the behalf of Discover as this is downright theft of hardworking people who don't carry credit balances so clearly this is Discover trying to make money any way it can. If it hopes it will frustrate people into giving up and paying it did that with me twice already but not this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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: Was not notified of investigation status or results

Complaint:
I finally started to look throughly into my credit report and I noted unauthrized and fraudulent accounts posted on my report. I can't even get a credit card of my own because of this. These accounts opened due to identity theft is hindering and I need this taken care of ASAP, this isnt fair. Attached are my identification documents, verification of address, identity theft report, credit report and a list of the fraudulent accounts that were posted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I pulled a TransUnion Credit Report and have noticed on the XXXX page of the report they put XXXX XXXX XXXX info transunion added some type of inquiry with XXXX XXXX with our property address and we don't know who they are researching these agencies for? 
We called and they keep passing the buck, pointing the finger. 
We want to know who is originating this information. We need to know or will be getting legal involved.

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 2021-07-31
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used Cash App to pay {$1000.00} for a service for my business, but the employee didnt complete the service and disappeared. I contacted Cash App support and they rudly refused to investigate or even learn more about my situation. They did not solve my case or do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: FL
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had to travel to a remote area where there I had no access to my mobile phone services for two weeks. An internet connection was available through Ethernet, and I tried to access my account online. I was barred from the account because they required me to verify my account by receiving a security code via text message. I call and they told me that the only way to access my account is to be connected with my mobile phone at all times. In addition, I need to have text capability because that is the only way they have to verify my account. I was besides myself, I think this is a violation on my customer right to access the funds in my account at any time, from anywhere. I am worried because I travel to places and countries where I find myself unable to use my mobile connection, which means I can be barred from accessing my funds in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
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:
I do not feel as though the credit bureaus are doing their due diligence because they are reporting incorrect information on my credit report. I have never been late with XXXX Bank yet they are reporting a late payment of XXXX days for XXXX. They also report a difference balance than what my statement has for the month of XXXX. I am requesting that EXPERIAN, XXXX, AND XXXX immediately remove the late payment and update the account to paid as agreed, never late. Also update the correct balance for the account listed. I have attached proof of payment and proof of my statement listing the correct balance. The account is XXXX BANK 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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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

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 2018-09-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I executed a promissory note and mortgage in favor of XXXX XXXX XXXX  in the amount of {$670000.00}. The loan was a " pay option '' ARM, whereby if the monthly payment was less than the interest-only payment, the unpaid interest would be added to the principal. If the payment was more than the interest, the excess would be applied to reduce the principal. 

The loan was ultimately acquired by XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  was the trustee, who initiated foreclosure proceedings against me after I defaulted on my payment obligations under the Note. 

In XX/XX/XXXX Nationstar Mortgage was assigned as the loan servicer, taking over as prosecutor in the foreclosure proceeding. The original foreclosure trial date was XX/XX/XXXX. As of that date, Trust records showed that the unpaid balance of the loan was {$680000.00} including unpaid interest that had been automatically incorporated into the principal. 

The trial date was reset to XX/XX/XXXX. On the morning of the hearing, I consented to a final judgment of foreclosure in the amount of {$680000.00} principal plus {$23000.00} taxes paid + {$54000.00} insurance paid = {$760000.00}, in exchange for an extended sale date. However, when our case was called Nationstar swapped-in a different proposed " consent '' final judgment, which its attorney slipped to the judge face-down, and which specified a total of {>= $1,000,000}, which was {$240000.00} more than I had agreed to pay. 

Nationstar had illegally modified the terms of my loan agreement by adding fixed-rate interest of {$140000.00} dating back to more than a year prior to the foreclosure initiation, plus I later learned that Nationstar had made a {$60000.00} unauthorized withdrawal from my Trust account a few days prior to the foreclosure hearing, and it charged me {$41000.00} for for windstorm insurance, which was specifically excluded from my loan agreement with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, my homestead property was judicially sold to satisfy the unpaid balance of a promissory note I had executed in favor of XXXX XXXX XXXX back in XXXX, XXXX. 

The then-current holder of the Note was XXXX XXXX XXXX XXXX XXXX XXXX, the trustee was XXXX XXXX, XXXX, and the servicer was XXXX XXXX XXXX 

As of the sale date, the unpaid balance of the Note was {$680000.00} inclusive of unpaid interest added to the principal under the terms of the Note. 

However, according to the XXXX 's records, a withdrawal of {$60000.00} had been made from my loan account in XXXX, XXXX without my knowledge or consent. This artificially increased the loan balance to {$740000.00}. And when the loan was liquidated in XX/XX/XXXX, the XXXX recorded a prepayment of {$760000.00} and reported a {$25000.00} gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: CONST LLC
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
" The company CONST LLC also known as MyConstant and XXXX has suddenly shut down with no explanation to investors. 

CONST LLC ( MyConstant ) is a platform that operates like a HELOC loan for peer to peer lenders to connect with cryptocurrency portfolio holders. Cryptocurrency holders are able to receive a USD cash loan by placing cryptocurrency as collateral for their loan. The loan is funded by a pool of money from USD cash investors. 

CONST LLC ( MyConstant ) portrayed to investors that their platform was unique because the collateral from borrowers would autosell in the cryptomarket if prices fell bellow 110 % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. 

On XX/XX/XXXX the company went dark. They informed all website users ( XXXX ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX CA to XXXX XXXX XXXX XXXX, XXXX, DE XXXX, USA on XX/XX/XXXX. 
I personally have a large part of my retirement money invested their company. LLC business license number. California # XXXX XXXX  XXXX : XXXX Please help. I would like to get my money back. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-05-05
Company: FIRST GUARANTY MORTGAGE CORP
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX  FGMC   decide not to pay my flood ins  policy because they said the flood zone in was optional I was in a flood zon e  XXXX . FEMA a nd the USDA  require me to have flood ins. I pa y for the policy at closing and my first lender also require me to escrow flood, taxes and home owners ins. Since  XXXX /FGMC did n't renew my policy the cost of flood ins has gone from {$430.00} a year to around {$1300.00} and I do n't even have the same coverage. I close on my  on  XX/XX/XXXX  and found out they did n't renew my policy until  XX/XX/XXXX . This has cause my house payment to go up {$200.00} right now and could be even more in the comin g years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-03-15
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2023, someone generated an inquiry on my credit report titled " EQUIFAX MORTGAGE SERVICE ''. This inquiry was NOT authorized by me and was done fraudulently! I contacted EQUIFAX and XXXX and advised them of the situation. They both stated that I needed to send in an FTC report along with a cover letter in order to get the inquiry removed. On XX/XX/2023 I sent them both a cover letter along with a FTC report. EQUIFAX has yet to remove the inquiry and its been well over 30 days. XXXX confirmed they received my documents but deemed them invalid because they did not have my signature or the date on them. I have attached the documents that Ive sent to them and it CLEARLY has my signature and the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I moved away from my old address inXX/XX/XXXX and never cared to do a address change. 
On XXXX I wrote out a check to a friend and watched him deposited the check. Somehow the check landed in my account but also bounced from insufficient funds but was also told that the check cleared. Then when I address the banker that helped me out most the time he altered the transactions not knowing that I already have statements of it printed out and made slot of copies. This caused me to did into other activities and transactions which now I discovered involved all of my banks and accounts. 
No matter what I do ( change email, phone, phone number ) it doesnt matter. It will be compromised at will and if the bank can alter the transaction to a transaction I made a week ago that just got posted. How can I not recognize it to dispute it. 
Im limited with sources to help and no attorney is willing to take my case. Im asked to go into mediation but this involves more then just the bank that request me to mediation. It involves everything account associated with my social security number.

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