BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The Credit Reporting Agencies have been doing nothing despite the countless attempts I have done to dispute my Credit File. I have been sending multiple dispute letters as well as CFPB complaints requesting the correction of the disputed accounts from my Credit Report. Under the Fair Credit Reporting Act, the Credit Bureaus are required to verify the validity of the information being reported on my Credit File and provide the consumer documents of verification from the investigation the Credit Bureaus have conducted. However, even though the Credit Bureaus did allegedly verified the disputed accounts, the Credit Bureaus failed to send me copies of the results of their investigation. The Credit Bureaus have also been ignoring my Dispute letters and have failed to properly respond. I am now submitting this CFPB complaint today to inform the Credit Bureaus that if they do not abide by my request for the next 15 days and fail to correct the disputed accounts, I will be filing a lawsuit. It has been a long time sine I started disputing my Credit File and yet you have been indifference. Once again, I am requesting you to please correct the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2021-07-12
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have had an ongoing issue with Chime Bank for upwards of a year. Originally, they froze my account on claims of " fraud '' and once I sent over my documents ( ID, direct deposit information, etc ) my account was restored and I assumed that was the end of it- but I was very mistaken. My account was closed and made inaccessible soon after with a balance of {$15000.00} that I to this day do not have access to. I've called numerous times and have been given the run around/countless excuses as to where or why my refund has not come yet. This has been a complete nightmare for me as that money was the entirety of my savings and I have been through a global pandemic having to scrape by borrowing money from friends and family. Had I known then what I know now what an unreliable bank it was I would have never opened an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage LLC - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached. Exhibits will be faxed shortly. 

Thank you for upholding Consumer Protection Laws as you investigate Nationstar Mortgage LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Called Nationstar mrtg to refinance the loan. XXXX ran our credit report and siad since our credit score was XXXX we didnt qualify for the " better '' loan which would bring our payment to $ XXXX.Since we had a credit score below XXXX best they could do was about $ XXXX.Current mortgage is {$1800.00} going to XXXX for the remaining 20 years of the term.He suggested we call the loan mod dept.Called loan mod on XX/XX/XXXX@XXXX .Spoke with XXXX who emailed me info needed for loan mod.Sent over the info back to XXXX on the XX/XX/2017 and he responded two days later saying he would be forwarding the info to the loan prosessors.we received a letter dated XX/XX/2017 on XX/XX/2017 asking us to Call XXXX letting us know he is our dedicated Loan specialist. The sooner you call, '' the SOONER YOU MIGHT FIND A SOLUTION TO YOUR MORTGAGE NEEDS '' Called left him a msg on Monday XX/XX/2017. He called home and then on my cell on the morning of XX/XX/2017. Could not talk too much because I was at work.Asked him to call after XXXX EST. He called the next morning and spoke to my wife. He informed her that we did not qualify for the loan mod because he did not see any hardship!!! No death, XXXX or loss of job .That is why we did not qualify. Mind you I had been out of work from mid XX/XX/XXXX till mid XX/XX/XXXX. Just got on a full shift two weeks ago ( still XXXX ). We had a similar problem when applying for a loan mod from the bank this company bought the loan from. Loan mod took over 1.5 years and finally fell through after all the running around. Same loan #. More info can be provided as neede

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The US bank charged me two late fees of XXXX dollars total on a balance of XXXX cents. I had called to get a late fee reversal, and on XX/XX/XXXX they reversed a fee of XXXX dollars but left a fee of XXXX cents that I thought was also included in the reversal. I was not charging that card and thought I did not need to make a payment. Now I have two late fees of XXXX dollars due 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 monetary relief
Consumer complaint received 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Was charged late fees during COVID months XXXX- XX/XX/2020. Was told that they dont have a record of me calling in due to account notations. The first d Fee was {$27.00} the second and third fees was {$38.00}. I waited to hear back from a superior and the will not escalate their calls beyond the call center. The level of professionalism within this financial institution needs to corrected and redirected. I have been back and forth with the company and the foreign speaking representatives but have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: MS
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 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 an account without my written instructions.

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 2017-03-30
Company: NATIONSTAR MORTGAGE LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My property was sold but I was no sent a letter. I spoke to someone and was advised the sale date was XX/XX/2017 however the property was sold on XX/XX/2017. I had submitted my file for modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-07-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX we made a payment via ACH that paid off the entire balance of the card. This payment cleared our bank in XX/XX/XXXX. On XX/XX/XXXX about a third of the credit line was made available even though the account showed fully paid off. 

I contacted PayPal through the online support channel and was told that it was a security measure being used on the account and any hold should be lifted 7-10 days from payment. As of today the account is still not showing the full credit limit available. 

I am unable to find any documentation on PayPal sites about how they hold/clear electronic payments.

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 2022-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint. We will continue to honor your attorneys notice of representation regarding the PRA account ending in XXXX. 

Then this account needs to be removed immediately based off the settlement this account should have been removed from my credit reports within 45 days of the settlement. this was settled through a court proceeding, so why are you still reporting this account which by law and order of the Judge it should have been removed within 45 days. I will also send this to the court and my lawyer to show proof that you have failed to follow a court order. See attached document that shows proof this account should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is still showing old XXXX debt that was in collections. Four different accounts are still listed and each account is under {$500.00}. Per the new law, XX/XX/2023 this should be removed. Their DISPUTE department has been continually down and they are unable to address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: WA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Marlette Funding, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL, XXXX XXXX Best Egg XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX XXXX XXXX : Disputed Account Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/2021 Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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 information incorrect

Complaint:
THIS ACCOUNT BALANCE IS INCORECT AND I HAVE NO KNOWLEDGE OF THIS DEBT. 
I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT WAS OPENED DUE TO FRAUD AND SHALL DELETE FROM CREDIT REPORT. 
INVESTIGATE THIS INACCURATE FRAUD ACCOUNT OR DELETE IT FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my statement to report four offenses. Data breaches, violations of FCRA law, Identity Theft, & fraudulent addresses reporting to XXXX, & XXXX. I have taken matters into my own hands with hiring of private investigative resources that have supplied me and my legal team concrete & substantial evidence related to the Identity Theft, fraudulent addresses and compromised identity that had to be reported stolen. I filed a DS-64 report for the compromised stolen ID to prevent any damage and had new GOV issued identification issued out of an abundance of caution. Given new evidence that has been presented to me if these violations are not corrected, I'm prepared to pursue legally made pursuant to Section 615 ( f ), Section 623 ( a ) ( 2 ), 623 ( a ) ( 6 ) & Section 605B of the FCRA. Please update your records and stop reporting inaccuracies in relation to these offenses. The new evidence supplied to me by my team overwhelmingly links the fraud and proves that my information was exposed in not just 1 but multiple data breaches which have caused me massive turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX of XXXX, XXXX of XXXX, and XX/XX/XXXX I sent certified letters to XXXX, XXXX, and Transunion demanding verification of XXXX XXXX and all of the documentation for verification of the account to be provided to me. I sent the requests via certified mail and never received any documentation of the verification ; and the transaction was updated to include more erroneous information. 

I sent certified letters requesting the following 1. The name of who verified 2. Documents that show I agreed to pay 3. Agreement that grants XXXX XXXX authority to collect alleged debt 4. Purchase Agreement 5. My signature saying I agreed to pay debt If you can not send me this information I demand you to remove the account. If not I will be taking this into litigation for willful non compliance pursuant to 15 USC 1681n and will be expecting and invoice for {$1000.00} per violation.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX/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, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX XXXX  : # XXXX, and 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 2017-03-30
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I noticed my payment increased by roughly {$100.00}. When I enquired with Nation-star, they advised I had an escrow shortage on my account for the XX/XX/XXXX taxes. Furthermore they anticipated taxes to increase in XX/XX/XXXX, thus they needed to build up the escrow balance. I 've made all of my payments since origination and there is no reason that there should have been a shortage on my Escrow account. During the year of XX/XX/XXXX my loan was being serviced by XXXX financial services. XXXX was purchased by Nation-star thus my loan transferred under their servicing umbrella. I informed Nation-star should have provided me a notice informing me my payment was going to increase. They advised they sent a letter informing me. I requested they send again so I could have for my records and I still have not received the notice. I also requested a full escrow analysis to be completed on my account. My understanding is they have 30 days to send this information. As of today, I am yet to receive any information. I requested this information in early XX/XX/XXXX. Nation-star has been unable to provide sufficient documentation supporting why their was an escrow shortage. I believe there was a miscommunication between XXXX and Nation-star and now I 'm paying extra due to their lack of detail during the service transfer. 

I 'm helping the CFPB can help me gain a full understanding as to why their was an escrow shortage and why i 'm being asked to pay an additional monthly fee to compensate. 

I would also like to understand why I have not heard anything regarding my dispute since XXXX. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
bank of America reporting a this fraud act on my credit and XXXX didn't have proven that this was accurate only because Bank of America said it accurate they have been damaging my credit for over 4 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation