BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX of 2015, our mortgage was transferred from XXXX XXXX XXXX to Nationstar. When this happened, we discovered an erroneous charge/late fee on our account. When we went to dispute this charge with XXXX XXXX XXXX, they referred us to Nationstar. We contacted Nationstar several times, via phone and email to rectify this situation. After the XXXX attempt, Nationstar confirmed that they would take care of our account and give our account a current status. However, that has not been the case. Due to XXXX XXXX XXXX and Nationstar 's errors and omissions, not only has our account suffered, our credit score has been damage by at least XXXX points, if not more, and we still have not been able to get any assistance with this issue. I want to file a formal complaint against XXXX XXXX XXXX and Nationstar for their lack of customer service, their unwillingness to assist us, and for damaging our credit scores. Please let us know what other avenues we have to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: AL
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 submitted multiple times to Experian to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Experian it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Experian failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inquires 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 XXXXXXXX removed from my credit report or send debt validation of these accounts with my signature.

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 2022-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The JPMChase British Air Visa card has a problematic " Float Pay '' program that is implemented in a fashion that is abusive. Payments made to the card are often not reflected in credit availability for sometimes up to 15 days. 

The bank claims that this is to insure clearance of funds from the paying bank. However, when Chase is withdrawing from my other bank through ACH, there is no excuse for any delay as the reduction from my bank account reflecting the payment to Chase is immediate. 

The implementation of this policy must change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I sent my letters off about correcting my personal Information and it is still wrong. 

I don't want this on my credit report. 

According to the Fair Credit reporting Act 15 USC 1681, I have the right to privacy.

Also according to 15 USC 6802. 

No financial institution is not suppose to share my information to any third party people. 

These are clear violation of my federal protected consumer rights.

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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 COMPANY IS A PIECE OF XXXX FROM XXXX TO XXXX I WAS IN HOSPITAL FIGHTING FOR MY LIFE IWHT THE XXXX XXXX NAD THIS COMPANY IS MARKING MY PAYMENTS LATE WHEN THEY KNEW I WAS AFFEECTED DIRECTLY BY PANDEMEIC I DEMAND THESE ITEMS REPAIRED XX/XX/21 AND XX/XX/21 THESE PAYMENTS WERE AFFECTED BY PANDEMIC I SENT PROOF OF HOSPITALIZATION AND I SENT PROOF THAT I COULD NOT POSSIBLEY SPEAK OR WALK OR WORK IN ADDITION I PAID XXXX SO THESE XXXX NEED TO FIX IT THIS IS MY 9TH TIME COMPLAINING THEY IGNORE YOU AND THEY IGNORE ME I AM FINDING AN ATTORNEY TO SUE XXXX THEY ARE ALL XXXX  AND DO NOT CARE ABOUT CONSUMERS. THIS COMPANY IS FRAUDULENT IN ITS PRACTICIES AND NEEDS TO BE HELD ACCOUNTABLE. I DEMAND MY CREDIT REPORT FIXED THE CREDIT CARE ACT SAYS I CAN NOT BE PUNISHED FOR BEING SICK REMOVE ALL NEGS NOW ITS SUPPOSE TO REPORT ON TIME AS REQUIRED BY CARE ACT

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 2022-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Good morning, I've having an extremely difficult time with capital one bank still reporting late payments on my credit profile well over 2 years old. I've tried to point this issue out to them that these late payments should've already been removed. 

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report. 

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
10 minutes ago just spoke with XXXX OF EQUIFAX UNLESS SHE IS LYING ABOUT HER COMPANY ID. 
I asked for help with online access ... the same problem I HAVE NOTIFIED THEM ABOUT FOR OVER A YEAR. XXXX SAYS SHE CAN NOT FIND MY DRIVERS LICENSE ON FILE WITH CORRECT ADDRESS EVEN THOUGH A EQUIFAX MEMBER VERIFIED THAT THEY HAD IT ON FILE OVER TWO WEEKS AGO ... 

WHY IS THIS COMPANY COMPOSED OF FOREIGN NATIONALS WHO ARE CLEARLY INCOMPETENT AND XXXX 

SHE SAYS I NEED TO SEND IN THE ID AGAIN ( BECAUSE THEY LOST IT? ) MY DRIVERS LICENSE, SOCIA ; L SECURITY CARD AN EQUIFAX MAILED RESEARCH REQUST FORM WITH IMPRINTED CONFIRMATION NUMBER, WILL ALL BE ADDED AS AN ATTACHMENT TODAY.. 

I AM ALREADY ANOTHER UNPAID VICTIM OF EQUIFAX ' DATA BREACH SUFFERING THE AFFECTS OF ID THEFT FOR YEARS NOW. 

I WANT THEM TO IMMEDIATELY CLEAR MY ONLINE ACCESS SO I CAN GET THE WEEKLY REPORTS MANDATED BY CONGRESS IN XXXX XXXX XXXX THAT EQUIFAX WILL NOT DELIVER ONLINE.. 

AS A MATTER OF FACT THEY WILL NOT GIVE OUT ANY CURRENT INFORMATION.. 

THE LATEST EQUIFAX UPDATE ON XXXX XXXX SITE FOR EQUIFAX IS XX/XX/XXXX ... IT IS USELESS AS EQUIFAX EMPLOYEES IN THE XXXX, HOWEVER MUCH I LOVE THE XXXX XXXX CONSTANT GOOD ACTIONS ... HIS COUNTRYMEN WORKING AT EQUIFAX HAVE BEEN NOTHING BUT OBFUSCATING TIME STEALERS UNABLE AND UNWILLING TO ACCOMPLISH ANY OF CONGRESS ' MANDATED DUTIES OF CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Resurgent Capital Services L.P.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. 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 2022-10-08
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.

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 2021-06-25
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX, I hope that you and yours are all doing well. I sent Binance approximately $ XXXX of XXXX and XXXX for the purchase of XXXX coins through the binance.com portal. I only see {$1800.00} in XXXX, XXXX, and ETH coins in my Binance wallet. The amount should be many times that amount. Their customer service support is not adequately responding. 

Would you kindly call me at XXXX. Thank you. 

Warm Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit 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 made a transaction at a rental car company for a XXXX rental for XXXX $ when visiting XXXX XXXX XXXX XXXX, 2023, Later that day I was not satisfied with the service because the car condition was not as promised and there was an insane mileage estimation ( and later I realized it's more like a scam ) in the contract so I returned the vehicle on the XXXX. The company used the signature policy as an excuse and refused to refund. 

I called Chase Customer Services on the XXXX  and submitted a dispute. It took them 2-3 months to investigate the dispute with the same excuse ( signature ) and told me that they thought the charge was valid. I think it's really absurd since the merchant intentionally cheated on me in the first place and my signature shouldn't be used as proof to refuse the refund and Chase Bank should know that very well. I tried to reopen the dispute by sending a letter, but they didn't respond anything until I called again. They told me they saw the request/letter but couldn't process it due to a lack of a handwritten signature, not just a printed version. But they never call or email or mail me anything to notify me of this issue. The laziness is really astonishing. After submitting the letter with a handwritten signature, Chase remains the same result within only 10 days. I suspect they didn't make any further investigation but just repeating themself. I called once again and sent a mail to reopen the dispute claim for the second time to the po box of the Chase Customer Department in XXXX, Ohio. After a short time, they still gave me the same resolution without any meaningful explanation rather than routine replies. 

The other unprofessional action is that I submitted a dispute first under the category of 'not satisfied with the service '. But soon i realized the nature of this transaction is more like a fraud/scam. But Chase Bank refused to change the dispute type and made me insist on this claim by repeatedly submitting the reopen request. During the process, they even use the excuse that the claim was posted a while ago to persuade me to give up on the dispute request so they can hide the slack in their work. 

So far, I haven't heard anything from them and this claim has been opened and reopened for more than 4 months since XX/XX/XXXX. The statues on the mobile app or website for dispute tracking are always duplicated and not updated on time. 

There must be something wrong in their organizational structure and Standard protocols that makes " disputing such obvious case '' difficult and torturing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Express Recovery Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Express Recovery is reporting erroneous debts on my file that need to be removed. I have sent letters months ago stating that I needed validation and have yet to receive anything. I will attach the letter below but as stated not providing validation requires you to remove the accounts. This can also be considered fraudulent under both federal and state laws remove immediatley as the 30 day period has passed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I received a letter dated XXXX XXXX, 2016 from the Nationstar that Nationstar is unable to offer me a modification because I am current on my mortgage loan and after reviewing the financial information I provided Nationstar has determined that I am not at risk for missing my payments either because following you have not sufficiently documented a financial hardship, you have enough net income and you have ability to pay your current mortgage payment etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to espress my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX XXXX XXXX : {$6900.00} Date Opened : XX/XX/2020 - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX XXXX XXXX XXXX : {$7100.00} Date Opened : XX/XX/2020 - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX Balance Owed : {$7400.00} Date Opened : XX/XX/2020 - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account.

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 2021-06-24
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company did not have permission to contact me.

The company did not satisfy my request to validate the date as the following were not provided : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Commission for debt collector if collection efforts are successful.

I did not receive response to my request within 30 days. ( Validation letter was not provided until XX/XX/21, electronically and only in response to my CFPB complaint. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
ON XX/XX/XXXX, I the consumer XXXX XXXX was denied credit with BP BUSINESS SOLUTIONS UNIVERSAL CARD. BP XXXX XXXX VIOLATED THE EQUAL CREDIT OPPORTUNITY ACT. As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant 15 USC 1602 ( L ) making BP XXXX XXXX  an assignee pursuant to 15 USC 1691 ( XXXX XXXX. I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j.I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 XXXX a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. 15 USC 1691c-XXXX states that Any applicant for credit may refuse to provide any information requested pursuant to subsection ( b ) in connection with any application for credit. The underwriter has limitations Where feasible, no loan underwriter or other XXXXfficer or employee of a financial institution, or any affiliate of a financial institution, involved in making any determination concerning an application for credit shall have access to any information provided by the applicant pursuant to a request under subsection ( b ) in connection with such application. THEY BROKE THE 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