BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: BARCLAYS BANK DELAWARE
State: MA
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/XXXX {$90.00} & {$750.00} I purchased passes for a convention that was in XX/XX/XXXX & it was cancelled and the company did not give any refunds so I disputed this. 

Barclays said that the merchant responded saying they did not break terms and conditions - at the time I also disputed three other charges for the same event but used 3rd party payments so I learned I have to dispute through them & I believe they were the merchant that responded stating this. 

XXXXXXXX XXXX does not have any active emails or phone numbers so there is no way Barclays could have contacted the company- so that the merchant responding does not make any since. 

I have been trying to receive my money back since XXXX and now they say its out of the period when I just found out in XXXX about the 3 that I have to go through the third party. 

The other 2 were not through a third party and Barclays directing paid XXXX XXXX on my behalf.

Again since the convention did not happen I did not receive anything for my payments & I do not believe these two charges of {$90.00} & {$750.00} are being looked into enough to deny me my money back. 

I have attached my letter from Barclays shouting the difference in names of charges & the email about the event being cancelled ( although it does say refunds would be happening they have not and its been Six 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 explanation
Consumer complaint received 2024-01-08
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 numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 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 2024-01-08
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:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2017-09-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, we have been in a fighting battle with our bank/ servicer Nationstar Mortgage ( who now changed their name to XXXX XXXX ) for a very long time I mean very long time. We have been trying for a loan mod. couple years now and recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is XXXX XXXX and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed in a signed copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. XXXX XXXX has all documents mailed which they received and are in review. 
If XXXX XXXX proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act XXXX XXXX has still placed my home on a foreclosure sale set for XXXX-2017 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
There has been several inquiries that I did not authorize. 
XXXX XXXX XXXX US Small Business Admin XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I would like these removed from my credit report as I did not authorize these inquiries.

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 2023-01-08
Company: Experian Information Solutions Inc.
State: IN
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 reference to the Fair Credit Reporting Act, These listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account number XXXX. 
XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 U.S.C 1681Section 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 an account without my written consent.

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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States 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 incorrect.

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: MoneySpot USA LLC DBA Sunshine Loans
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XXXX XXXX XXXX I was offered a payday loan with unclear terms and interest through my email. I do not know why I received the offer. I was short on rent due to changing jobs and my vehicle having its motor replaced due to recall. Sunshine loans offered {$600.00} I want through the prompts on the website trying to discern the rates and commitments. I ended up accepting it thinking I would be paying back around XXXX XXXX over 5 installments. On XX/XX/2022 the {$600.00} was deposited into my account. When I logged into the website, it said and now says I owe {$250.00} out of my next 5 pay checks totaling {$1200.00}. I sent a a letter of revocation of authorization to withdraw from my debit card or checking account on any and all withdraws on XX/XX/2022. I received response from Sunshine loans before XXXX the same day acknowledging the revocation and requesting me to discuss new payment method. Before I could respond the withdrew the first installment of {$250.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 repeated attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the inclusion of any information in my credit record that resulted from a stated fraud or fraud, assuming no one will care in any case. 
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 2017-09-22
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm making payments to bring my account current, I reviewed the my account on line to verify that there 's a XXXX balance on my account. I asked what this balance represented and it was explained that this was due to sending someone to verify that I live at my property? In awe I said excuse me! The person indicated that we tried to contact you unsuccessfully and we sent someone to make sure you lived at the address. I said and how did you do that when since I 've purchase this home no one has ever come here to verify that I live here so how did you do it? she placed me on hold and came back a few moments later and said it 's a maintenance fee? I said maintenance of what she said whenever your mortgage payment is late we send someone to ensure you live there, again how did you verify this? This is a not so clever way to charge me a late fee even after incurring a late fee for paying my payment late yet your calling it something else! I want this charge removed from my account and it should be reviewed as fraudulent practices because it was never verified that I did live here other than the fact that I submit my mortgage payments, and I speak or have spoken with someone in this company at least once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 I received a text message to call XXXX which said it was FROM : XXXX, prompting me to call and share my debit card information, social security number, and contact information. I was distracted and wanted to take care of any issue quickly so I gave my information, which now feels very foolish. 

This morning ( XX/XX/21 ) I received a similar text message from XXXX, instructing me to call XXXX or XXXX ... this is what made me realize that I had given my information to a scammer.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: MO
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-02-08
Company: Paypal Holdings, Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an email t thought from PayPal about a purchase a purchase I supposedly made and did not. I was asked to call a number XXXX if I had questions, which I did. There process included downloading on XXXX for remote screen sharing and asking me to open my primary debit account and my PayPal account, at this point I questioned there process for credit card fraud and terminated the call. I believe it was an attempt to access my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: MI
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 several attempts that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance XXXX {$15000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One Credit Card company constantly sends me pre approval prequalification letters. When i go to apply i am being denied each tike because of violation with a previous account. So i have touched base with Capital Ones CEO office who confirmed they can not validate the account was mine and the information would be removed in 30 days. They never removed the information apparently. Then i get a call from the executive office claiming they did an internal investigation and saw an account in relation to me. I explained i supplied many FTC identity reports and police reports regarding my identity theft. they refused to supply me with investigation findings and the rep stated the information i provided him does not match the 2016 account created. I stated i was under age in 2016 and could not have possibly gotten a credit card. This accounts has never been populated on my credit reports. No inquiries ever from 2016. I have been promised to have this cleared up and they are refusing to clear it up. They have sold the account and the company they claim to have sold it to claims they could not validate the account was ever mine so they were forced to delete the account. Capital One is violating my consumer rights. They are not following up in 30 days they are not supplying me with investigation findings, they do not have my signature, my identification, my correct address, my consent. I HAVE NEVER HAD A CAPITAL ONE ACCOUNT AND NEVER PROVIDED A CAPITAL ONE STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I applied for a XXXX XXXX  credit card and it was denied saying past or current delinquent account. I looked at my equifax credit Report and I didnt see any delinquency or public record and they telling me equifax provided it. I am confused because thats not the case I have no delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: LEXISNEXIS
State: IL
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:
I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. According to my credit report, the accounts are all follows : XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX - OPENED NA - AMOUNT XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX  XXXX XXXX  - OPENED XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX XXXX  - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XXXX - XXXX XXXX - AMOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company 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 2017-09-18
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was originated with XXXX. In XXXX or XXXX of XXXX, my loan was sold to Nationstar XXXX who recently changed their name to XXXX XXXX XXXX. Leading up to the transfer, both XXXX and Nationstar assured me that there would be no changes to my loan terms. 

To make a long story short, Nationstar increased my monthly payment without telling me. I never received a phone call, email or written correspondence as to why this occurred. Since my loan transfer, approx. 5 months now, I had been making the same monthly payment I was making to XXXX, but to Nationstar. Unbeknownst to me, since the payment went up, they were holding my payment in unapplied funds and not crediting my actual mortgage payment to the principal and interest. Again, I never heard from Nationstar about my " late '' mortgage payments. 

Upon discovering this, I was told that the payment went up because they did an escrow analysis and unlike most lenders, require a 2 month cushion. Again, that would be ok if this was told to me had I not discovered this on my own, many months later. I was told if I made a large payment straight to escrow, an escrow analysis could be run which would bring my monthly payment down. 

I have called trying to confirm the correct funds were applied to the escrow account, get an escrow analysis run and a new lower payment obtained. I am on the phone with Nationstar for propably the XXXX time in a few weeks trying to get this resolved. We 'll see what happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

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 response to consumer: Closed with non-monetary relief