BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar purchased my mortgage in 2015. In XXXX 2015 I requested a payoff. Per the XXXX loan payoff notice balance of {$23000.00}, this amount was PAID IN FULL well in advance of the XXXX/XXXX/2015 pay off date. Nevertheless, NationStar somehow claimed a {$370.00} balance due that I have repeatedly demanded NationStar to explain and provide a full accounting. All I have gotten in response is forms and inaccurate and false claims. The NationStar online " dashboard '' continues to erroneously reflect a " last payment of {$7900.00} was received on XXXX/XXXX/2015 '' and " Past due amount of {$1000.00} '' which I also requested be corrected to no avail. Now, I 'm getting billing saying {$2100.00} is 'past due ' on an unsubstantiated and disputed {$370.00} balance. Every assigned 'dedicated loan specialist ' I try to contact is never 'available ' and you get transferred to a 'new ' agent and need to start at step 1 and again explain the problem. NO ONE at NATIONSTAR will address the problem or provide the requested accountings. Now NATIONSTAR is dinging my credit rating by false reports to the credit bureaus ; I discovered the problem the hard way when I was denied credit because of a XXXX point drop in my rating to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: ID Analytics, Inc.
State: NV
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:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

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  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
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:
In XX/XX/2022 I ordered a made to order cat tree from XXXX & XXXX in XXXX, FL for {$590.00} and paid for it with my credit card through Citizens Bank. A few months in I called Citizens to find out my options because I felt I wasn't going to get what I ordered. I was told by Citizens that all I had to do was file a claim. I filed a claim at the beginning of XX/XX/2022. It was denied because they said I waited too long. I contacted the office of the president explaining what happened and that I didn't feel it was right they denied my claim as I had called to ask what my options were and was told only to file a claim. There wasn't any timeframe mentioned. XXXX from the office of the president said she would call me back. She called this morning to let me know my claim was denied. I asked her what Citizens time frame is? How long DID I have to file a claim and where is this written? XXXX said " I have no idea ''. If the EMPLOYEES do not know how long I have, how am I expected to know? I'm taking this to you because I feel vehemently that this claim should not be denied as I was following the instructions given to me by an emplyee of Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: NV
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:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

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  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

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 2022-11-06
Company: SLM CORPORATION
State: TN
Product: Credit reporting, credit repair services, 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:
XX/XX/XXXX XXXX hard inquiry. I didn't apply for it XX/XX/XXXX Sallie Mae Bank hard inquiry not my account XX/XX/XXXX XXXX hard inquiry not my account XX/XX/XXXX XXXX hard inquiry not my account

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$920.00} XXXX XXXX  Original Creditor : XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : $ XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-11-21
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor My credit report includes the following erroneous information that needs to be investigated and correct : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}

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 2020-02-03
Company: SYNCHRONY FINANCIAL
State: NE
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: Other problem getting your report or credit score

Complaint:
I never have credit before and try to apply for credit card and my credit score is so low and drop around XXXX and cant apply for any credit score On, XX/XX/2019 the synchrony bank report is 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 2023-11-26
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: Account status incorrect

Complaint:
I have had this card now for about a year. I had two cards sent to me which I activated but were declined by merchants. I however was sending the company $ XXXX  monthly for several months. I filed a complaint with them and they were investigating. They reported me late recently. I do not believe a negative report is sustainable under the circumstances and should be removed. My account is current.

Company response to consumer: In progress
Consumer complaint received 2023-02-09
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX I took out a loan with Credit Acceptance for XXXX XXXX  XXXX from XXXX XXXX of XXXXi couldn't afford the exorbinate extra fees on the loan and voluntary surrendered the car back to Credit Acceptance and on XX/XX/XXXX they garnished my wages at 25 % effective immediately for {$7900.00}. And tackin on {$3000.00} in fees. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Ohio 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 2022-02-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Summary : I was trying to sell a {$500.00} item on XXXX XXXX but was aggressively coaxed into sending total of {$2000.00} to a scammer. Payment was made through XXXX ( Chase Bank ) and I had notified both Chase and local police department about the fraud on the same night ( XXXX ). 

However, Chase representative XXXX XXXX was uncooperative to attempt to resolve the matter, even when I had presented critical clues to potentially solve the case ( perpetrator 's alleged Chase bank information ) and visited in person the next morning after the incident. 

Details : XX/XX/2022 XXXX  XXXX am : I listed a XXXX XXXX guitar for sale on XXXX XXXX for {$500.00}. 
/ XXXX am : Received a XXXX message from XXXX XXXX claiming interest in listed item and proceeded to discuss item condition/logistics. XXXX asked for personal information ( email address, phone number ) which I then provided. 
/ XXXX am : XXXX claimed to have sent the promised amount for transaction via " XXXX. '' I received an email from " XXXX '' which looked auto-generated and official from " XXXX. XXXX / XXXX pm : I sent the item to alleged address of recipient in Louisiana via XXXX, took picture of receipt to send to XXXX. 
/ XXXX pm : " XXXX '' sent me an email claiming that my account has been restricted in reference to account limit. 
/ XXXX pm : XXXX began to claim that there was an issue with my XXXX account due to its non-business nature. XXXX claimed that they will send additional {$500.00} to offset the account restriction on my end. XXXX made me promise that I will return the excess sum of money, which I agreed to. 
/ XXXX pm : I sent {$500.00} to " XXXX '' agent. 
/ XXXX pm : XXXX claimed further issues with their " XXXX '' account, claiming that they made excess payment of {$500.00}. 
/ XXXX pm : I believed XXXX and proceeded to send alleged excess amount of {$500.00} to " XXXX '' agent. 
/ XXXX pm : Received email from " XXXX '' claiming that I need to pay certificate form fee of {$1000.00} which I'd have to pay to release pending credit to my account. Paid out {$1000.00} to resolve restriction. 
/ XXXX pm : Started getting suspicious and asked for proof that XXXX actually sent money via XXXX. Asked for proof but was only given screenshots of payments out to my name. My account was still not credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX, GA XXXX Date XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX, GA XXXX Date XXXX XXXX XX/XX/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 2022-02-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
On XX/XX/2021, I am a NJ resident, and I purchased a used vehicle and warranty from a dealer in PA. I put the down payment of XXXX on my American Express and completed the paperwork to pay via auto loan. I had the car for a week ( XX/XX/XXXX ) and was actually on my way to the XXXX XXXX XXXX vehicles when the car shut down in the middle of traffic. This nearly caused another car to hit me in the back. I was able to get the car towed to a XXXX dealership and found that the car had a recently replaced lever which was seated improperly and therefore the axel needed to be replaced. They also found metal in the transmission and advised me it would cost XXXX to replace. 
I contacted the dealer and asked them to take back the car and to cancel the deal. ( This was all through texts which I still have. ) Initially they refused and I called American Express and reported the purchase as a dispute since items were not sold to me in the condition promised. When the dealer received notice of my dispute, he agreed to take the car back and to cancel the auto loan deal. They sent me proof of this, and I forwarded this info to American Express. 
First, American Express returned the funds to the dealer stating the dealer advised them I had no warranty. When I resubmitted the complaint and provided the same proof again and confirmed they received it, they reopened the complaint. 
A few weeks later they gave the funds back again claiming they have no proof that I no longer had the vehicle. When I sent in proof showing I no longer had the vehicle they reopened the complaint again. 
A few weeks later they closed the complaint again and sent the funds to the dealer again claiming I did not allow the dealer to get the car when I first filed a complaint. I submitted more proof showing them text between the dealer and myself proving I asked the dealer to take back the car repeatedly and the dealer only agreed after I submitted my dispute with American Express. 
During this whole back and forth, I also uncovered the XXXX which also showed the dealer lied about the mileage on the car. I also submitted this proof to American Express. 
At this point they are just wasting my time. I believe this credit card company is finding in favor of the dealer because the dealer advised me, he was a black card holder with American Express and had been with them for a long time. He brought this up unprompted when I presented my American Express for down payment. 
It makes no sense that I am expected to pay American Express for a vehicle I do not own or have in my possession. The car was taken back and the auto loan was cancelled and I proved the vehicle was not in a condition congruent with used car laws of PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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:
After years of having a credit score around XXXX and not applying for new cards or loans I suddenly saw my credit score go down on XXXX and Experian as a result of inquiries and accounts they listed that I never requested and have no knowledge of. All three credit bureaus have fraudulent accounts and inquiries listed, as well as incorrect addresses. I've subsequently found out through the XXXX Date Breach Settlement website that my information was impacted by the XXXX data breach of XX/XX/XXXX, which I believe is the source of the identity theft and fraud that I have experienced these past few years. 

XXXX As of XX/XX/XXXX XXXX has an inquiry listed as XXXX XXXX XXXX XXXX from XX/XX/XXXX that I never applied for and a collection for {$1500.00} from XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX with whom I have never had any dealings. 

Experian- Experian has the same fraudulent XXXX XXXX XXXX as well as a fraudulent XXXXXXXX XXXX  credit card account opened on XXXX XXXX XXXX  with an {$8000.00} credit limit of which I have no knowledge. They also list an installment account for {$380.00} with XXXX, another company that I have not dealt with in 20 years, and nine different credit inquiries dating from XX/XX/XXXX to XX/XX/XXXX that are fraudulent as I have not applied for any credit cards or loans during that period. 

XXXX XXXX has a different XXXX account listed that was opened fraudulently on XXXX XXXX XXXX  as well as an inquiry by a company called XXXX XXXX for credit for which I never applied. 

I have spent a great deal of time trying to contact these companies, who all seem to make it difficult or impossible to actually speak with someone who can correct these issues. XXXX company did an " investigation '' and determined that their information on the fraudulent account was correct ; they never spoke with me, apparently they only spoke with the thieves who opened the account. I am in the process of getting a police report as required by XXXX to look into their fraud, and that has been another time consuming, red-tape filled endeavor. On the whole these companies seem to make it easy for crooks to steal identities and open accounts and very hard for consumers to clean up the mess that they create.

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 2022-10-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation