BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Earlier this year, about mid XX/XX/2019 my Equifax score dropped 50 points in one day. I have talked on many occasions`to customer service and supervisors about this pro blem. I can't get any answer as to why score took such a big drop. No one at Equifax can answer this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my 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 explanation
Consumer complaint received 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with Nationstar Mortgage that I refinanced with another lender on XXXX XXXX. Nationstar managed an escrow account for this mortgage, but has failed to return its balance to me. I 've called the company at least three times, most recently today, to understand what is going on without success. 
I 've spent hours on the phone with Nationstar only to receive inconsistent responses, making me question whether Nationstar intends to refund the escrow in a timely manner. Nationstar representatives claim that they used the escrow to pay taxes due to XXXX XXXX ( FL ) in XXXX. However, representatives at the county tax office as recently as today ( XXXX ) indicate that they have not received this payment ; they have, however, received the property taxes sent by my current mortgage servicer. 
Nationstar insists that it sent the payment on XXXX and that XXXX received it on XXXX XXXX and that XXXX will ultimately refund the money to Nationstar, which will then return it to me but without any proof of this story. Nationstar will not provide any documentation to prove that XXXX has the money and given XXXX 's denial, I have no reason to believe that Nationstar paid the taxes to XXXX in the first place. Nationstar tells me this will take weeks to months to clear up which I believe is unacceptable. The money should have been refunded to me immediately upon paying their mortgage in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I feel I am being discriminated against due to my zip code and numerous complaints I have made regarding this process with PNC bank. My phone calls are not being returned. I am continually asked for the same documents I have submitted two and three times. I have filed internal complaints. There has been no resolution. I do not receive any communication regarding my Refi unless I reach out to the call center. The only way I know where I am along the process is I call every three weeks and wait on the phone anywhere from 1-2 hours. I started this process in XXXX of 2021, and it is now XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX  & Experian & XXXX XXXX were all supposed to send free credit reports to me!

XXXX sent my credit report with A WRONG FIRST NAME ON THE ENVELOPE!

The Letter was opened by another person in my family who has the same last name as me!

Of course - sending out people 's confidential financial documents with wrong first names is a wrong thing to do!

For a lot of reasons!

For other people - it could have been a lot worse!

Experian & XXXX XXXXreports have still NOT arrived!

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 2023-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
hello, I have left fall river MA during the first week of XX/XX/XXXX and moved to ohio. 
before moving, I went to the citizens bank on XXXX XXXX, fall river ma, and requested for all my accounts to be closed. surprisingly, I got the letter stating accnt : XXXX est on XX/XX/XXXX balance due {$2100.00} for the services provided, last payment of {$3.00} was made on XX/XX/XXXX, and all this time till XX/XX/XXXX I was not informed, i got to know this by forwarded mail in Ohio. 
this is the case of some clerical mistake by banking clerk or bank fraud fines and interest by the bank or fraud by some third party after long wait on phone with customer service " this is all interest and fines..,.,.,. ", does not want to provide the monthly statements on my email id, dating back to XX/XX/XXXX .which they have on records emailid : XXXX : the should be penalized for such trade practices. 
please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX &XXXX & Trans Union were all supposed to send free credit reports to me! XXXX sent my credit report with A WRONG FIRST NAME ON THE ENVELOPE! The Letter was opened by another person in my family who has the same last name as me! Of course - sending out people 's confidential financial documents with wrong first names is a wrong thing to do!

For a lot of reasons!

For other people - it could have been a lot worse! XXXX & Trans Unionreports have still NOT arrived!

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 2023-07-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We began using WePay by Chase as our online processing company through authorize.net on XX/XX/XXXX. We had one {$22.00} chargeback in XXXX of XXXX because a customer didn't recognize the charge name on their statement, which they later came in and paid. WePay by Chase has processed roughly {$78000.00} through their services. On XX/XX/XXXX we received an email stating that we were deemed high risk since we were an online auction company and they would no longer be processing payments through our site, however, they collected payments from XX/XX/XXXX up through XX/XX/XXXX, the date in which they notified us that we were high risk, and we, not knowing that they were going to do this, released the merchandise to the customer. Upon contacting WePay, they state that they will release the funds after 120 days. At this point we filed a complaint with the CFRB and we were contacted by someone from Chases ' Executive Resolution Team who also stated that it would be 120 days. 

It has now been 124 days and WePay has still not released the money. The original reason I was given was that they did not know that if we still had the same account to deposit the money into ( which doesn't make sense, since we have a merchant service account with Chase which owns WePay, additionally, every state in the union has an unclaimed property division so if the deposit were rejected then it would go into that account ). They stated that we had to put in a request to have the money deposited. Now we are being told that they will review the account by XX/XX/XXXX to determine if the funds can be released. This is beyond the 120 days that we were initially told by Wepay as well as the representative from the Executive Resolution Team.

Based on the previously statements made by Wepays ' representatives as well as the representative from the executive resolution of Chase, it would appear from the outside looking in that WePay is counting on X number of companies to not follow-up with them, Knowing this, we can not in good conscience not file a complaint with State Senator XXXX XXXX XXXX as well as the Ohio Attorney Generals ' office regarding these business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-04
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
# XXXX Closed on property XX/XX/2016. Nationstar loan was paid in full. On XX/XX/2016 ( four weeks latter ) Nationstar reports unpaid to the credit bureau and destroys my Credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XXXX of 2021, I contracted the XXXX virus. It was life threatening for me and put a toll on my finances. I survived, thankfully for my daughter and I, but I accrued late payments in the months of XXXX, XXXX, and XXXX 2021, due to my inability to work and make bills. I caught up, paid, and have not been late since. I reached out to Capital One, tried to ask for some mercy. I am a good customer, make all my payments on time, and have since then, i still use my card on the regular and i am not going anywhere. I had some late payments a couple of years ago that were my fault, i admitted that and asked for nothing, because i didnt deserve it. This time, during the most difficult time of my life, i asked that they waive late payments for only 3 months, XXXX, XXXX, and XXXX of 2021, that they recorded and sent to the credit bureaus. I am caught up and have been. They got their money. They flat out denied me and didnt even read my letter. Sent me a standard " they can not do anything letter '' which i know they are lying. This is destroying my otherwise good credit and i am stuck and STILL begging for some mercy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I sold my home in XXXX of XXXX and moved out of my home I notified the City of XXXX XXXX XXXX department that I was moving and asked them to close my account. I gave them my new mailing address. I paid the final bill and the check payment for the final bill was cashed in XXXX of XXXX. 

I recently discovered that after closing the account, the City charged me {$35.00} for a " late fee '' and then subsequently charged me {$35.00} late fees because the initial and subsequent late fees were not paid increasing the balance to {$120.00} when it was referred to a collection agency doing business as " CALIFORNIA ACCTS SVC '' .in XXXX XXXX. 

This billing practice was and is in violation of usury laws. 

I was never been contacted about the first or subsequent late fees ( by either the city or the collection agency ) but the collection agency submitted the balance to XXXX, a CRA / credit reporting agency. 

As of XXXX XXXX, the debt collector continues to age the balance due increasing the amount owed even though the statute of limitation has passed and even though they were made aware the amount information was incorrect when I disputed the debt through XXXX XXXX dispute service. In response to my request to validate the debt, they indicated only that the debt was validated and they again increased the balance due even though the original {$35.00} late fee amount was assessed more than four years ago. 

The debt collector 's legal name is XXXX XXXX XXXX XXXX, XXXX although they use an unregistered name CALIFORNIA ACCTS SVC to report incorrect information to CRAs. 

The State of California shows thir corporate information as : Corporation No. XXXX Name : XXXX XXXX XXXX XXXX  Registration Date : XX/XX/XXXX Jurisdiction : CALIFORNIA Entity Type : DOMESTIC STOCK Status : ACTIVE Agent for Service of Process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Mailing Address : XXXX XXXX  XXXX XXXX XXXX CA XXXX This company has been sued many times by consumers for deceptive collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-08
Company: EQUIFAX, 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:
My credit report is showing late payments on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ability Recovery Services reported to XXXX XXXX ( " CK '' ) on XX/XX/2021, I realized the info from an email alert from XXXX. Ability also reports that I opened an account on XX/XX/2021. This info is false. I never opened an account with this company. There is no contact info on XXXX XXXX  website to request validation. This inquiry was not on my credit report last month.

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 2018-11-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureau 's are reporting a Chapt XXXX dismissed bankruptcy and I have been informed by the courts that they DO NOT verify a bankruptcy. This means that they pulled that information from a third-party reporting agency, therefore, it must be 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 explanation
Consumer complaint received 2020-06-04
Company: Moneytree Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
since Covid I have asked the loan people of money tree to get rid of the interest on this loan and I would pay all of the money back that they gave me and they will not do i have been out of work as my husband has been also. I would pay the whole thing off even if i have to get it from my XXXX just want the help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Bureau of America has been attempting to collect debt I do not owe. I have attempted to get information from them and they sent me statements that are not mine. There has no proof with a written, signed contract that I owe this debt. They are claiming that I owe them a debt when I have no signed contract with them. 

This is in violation to my right to privacy, which Collection Bureau Of America has violated 15 U.S.C 1681. Also furnishing information to Credit Reporting Agencies without my written permission-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681s-2. ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 6802-Obligations with respect to disclosures of personal information- I have never done business or owe debt to Collection Bureau of America and claiming that I owe debt 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
There are accounts that closed/charged off since 2017 that's reporting delinquent every month. 

XXXX and transUnion are reporting way off scores. 

All 3 bureau are reporting 3 majorly different scores. 

Still have my name and address wrong and address wrong after sending correct info 6 times. 

reporting incorrect payment history

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