BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company " found '' {$4200.00} dollars when auditing my account. When I read the letter I called them to have the money cover my XX/XX/XXXX and XX/XX/XXXX payments and the balance would partially cover XX/XX/XXXX to which they put me on hold then came back and said that it 's done. I then received a call 3 weeks later from Nationstar Mortgage out of XXXX asking me if I intended on making my XX/XX/XXXX payment. I went crazy on the agent and demanded to speak to a supervisor. After waiting for a while the agent came on the phone and I said for the supervisor to call me. That was a week ago ... This is the second time I 've made a deal with the company and when I hang up the phone the deal disappears. I 've paid off other debts and ca n't pay the mortgage payments now that I 've made other arrangements so now I 'm worried about them foreclosing on me or putting non payments on my credit report thru no fault of my own. I ca n't believe that they can do this to consumers and would like help in straightening them out! 
Best, XXXX XXXXlNationstar mortgage account number # XXXX

Company response to consumer: Closed
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian dropped my XXXX score by XXXX points for no reason. I have provided information from their website and it clearly states in the comments that the things they pointed out were to help my credit.

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 2017-05-17
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:
RE  :  XXXX  I have notified  XXXX  that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am  XXXX   XXXX   XXXX  an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to   XXXX    that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written c ontract, drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would have  XXXX  utility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,  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 explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX amount {$570.00} XXXX XXXX OPEN XXXX XXXX {$850.00} these accounts had to be opened fraudulently in my name. I never had either of these accounts opened.. I'm requesting that they be removed these fraudulent accounts from my credit report. Reporting to XXXX and transunion

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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX is reporting fraudulent negative information on my credit report and it will need to be deleted. I'm noticing not only is information not mine but they also placed the closing date of the account as XX/XX/2022 so that it would show up on my account as new. I do not have any accounts with them that closed on XX/XX/2022. I cant believe they did this to try to ruin someone's credit. This is unlawful and inaccurate. 

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 1681 ( 5 ) this account is in violation of not reporting 100 % accurate

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 2023-10-03
Company: Albert Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Today XX/XX/XXXX a unauthorized debit from XXXX com for XXXX was taken. Reported the issue to the bank and company. Company has rejected to work with my bank and myself to resolve this fraudulent charge. I asked in XXXX of XXXX for my account to be closed. Only to find out someone from there business never closed it but used my information to get XXXX dollars for themselves. I researched this issue and it has happened to others. When contacting XXXX I was originally told it was for a advance taken out XXXX of XXXX. Which was able to proven as false, then the backed tracked and said no we lied it's XXXX. No phone number to speak with someone just email or text

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I purchased a free trial with Experian credit works and unable to look at my recent credit score with other two bureaus and Im getting error messages while refreshing a credit score and Im unable to get that score and Experian needs to fix the error

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 2023-10-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XX/XX/2023 I was in XXXX in XXXX Georgia and my debit card with Branch Bank was ran three times and it was {$55.00} over what they should have ran it for I immediately brought that to their attention before I even left the store and they said oh well if you look at the receipt truly they only had two transactions that came out not the XXXX and that it would take 24 hours for them to clear their system anyways and I would have to get with my bank. Did that and they're telling me it could it's going to be 90 days I don't see how that is even fair I mean this is not my error that one of them messed up I mean I gave them the contact information pick up the phone and call I mean y'all have technology and why why do I have to suffer I'm unemployed my power got cut off because of this I mean I have gone through just trying to get answers from these people and I'm getting the runaround they can't even tell me how they're trying to contact the merchant All they're saying is they're trying to contact the bank well it doesn't take that long to contact the bank I mean shouldn't be like this I shouldn't have to suffer they need to give me a temporary credit like everybody else in America gets I feel

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 2023-02-11
Company: Experian Information Solutions Inc.
State: OH
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 2023-03-18
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have three credit cards with Chase. One of the packages I ordered to be delivered was stolen from my front door after it was delivered. I opened a claim ( claim number XXXX ) with Chase 's Purchase Protection provider, XXXX, and was asked for a lot of documentation, which I provided, including : a copy of my statement showing the purchase was made on my Chase card, a copy of the receipt from the store, the tracking number of the purchase from XXXX. Then the next day I went to the police station to file a report and received a piece of paper from the Police Department confirming that I had filed the report, which I added to my claim twice via web and once via email because they kept asking me to upload it. The claim was opened on XX/XX/17 and when I kept checking they confirmed it was being sent for approval. Then last week I got a call saying they needed a detailed police report, which I found out is going to take 10-12 weeks to get from the city, and will cost me {$25.00}. At this point I feel like I have provided much more than sufficient documentation for them to honor my claim and that they are just asking for more information in the hopes that I will give up the claim. I contacted Chase and they tried to transfer me back to XXXX, but I declined since multiple contacts with the company had resulted in them just asking for more and more information. Any help you can provide would be greatly appreciated. Incidentally, the company XXXX  has a terrible rating as evidenced in this blog post that prompted me to escalate to you. XXXX XXXX XXXX/ It is cold comfort to know that I am in the majority when it comes to customers complaining about this service - 87 % have given them one star.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: LEXISNEXIS
State: CA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXXXXXX XX/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 explanation
Consumer complaint received 2022-10-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services keeps provided incorrect information : For the in-process modifications that XXXX  XXXX XXXX XXXX XXXX recognize, the company gave incorrect information to certain consumers about their unpaid balances, payment due dates, interest rates, monthly payment amounts, and delinquency statuses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've discovered that over the previous 2 months, my XXXX XXXX through Wells Fargo has charged 2 bogus interest charges & 1 bogus late fee. I just spent one hour on the phone with Wells Fargo to discuss, and I'm extremely dissatisfied with how it was handled, and I have reason to suspect this may be another institutional fraudulent activity that Wells Fargo may be undertaking. Essentially, Wells Fargo appears to be trying to steal from me by charging interest at the DAY the billing cycle ends, instead of the payment due date the following month. Here is the situation : 1st : billing cycle from XXXX I paid my balance in full XXXX on XX/XX/XXXX, for a bill with a payment due date of XX/XX/XXXX. I got charged interest onXX/XX/XXXX of {$74.00}. Interest was charged for the month, EVEN THOUGH the bill wasn't due until XX/XX/XXXX, AND totally ignoring the fact that I paid in full on XX/XX/XXXX ( and paid in full every month prior ). This bill shows an interest charge of {$74.00} on a balance of {$0.00}. What's incredibly disturbing about this is that, after investigation, the person I spoke with said the interest was charged on an amount of ~ {$3500.00}, and that doesn't tie to ANY balance from the month. It seems abundantly clear they charged an arbitrary amount to my account. 

2nd : billing cycle from XXXX : I didn't pay off this card early, so the ending balance for the month should be {$4400.00}. Instead, the balance includes {$74.00} from the bogus interest charge in the prior month, a late fee of {$29.00} on XX/XX/XXXX for failure to pay my interest charge from the prior month, and a NEW interest charge of {$93.00} charge onXX/XX/XXXXXXXX the DAY the billing cycle ends, even though the bill clearly shows that payment is due onXX/XX/XXXX. And once again, the interest charge was calculated on a bogus arbitrary amount that doesn't tie to ANY balance at any point of the month, The first rep I spoke to kept trying to educate me that interest is charged when payment is late, but refused to understand the situation that was taking place. After escalating ( though refusing to do so at first ), the next person I spoke with at least seemed to understand the situation with the bogus interest charges, but spent some time refusing to escalate a reversal of my late fee, which was assessed for not paying a bogus interest charge. Currently, this situation is under review with a " conflict resolution specialist '' and I am not hopeful at all that this will get resolved. I'm so upset that they are clearly trying to rob me, and the folks I spoke with were unable to give me a reasonable explanation of the charges at all.

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 2022-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contacted CapitalOne 360 Bank around the XXXX of XXXX. I had originally contacted the merchant and told them I needed the amount they were going to take out of my checking account ending in # XXXX lowered because my health insurance company took out a much larger amount of funds than was originally anticipated. The merchant said they would notate my account but couldn't stop it at that point. So, I contacted Capital One 360 and put a stop payment on the {$300.00}. I spoke to more than one individual there. I noticed that on XX/XX/22 late in the day that the funds were taken out of my account leaving me in the negative. I immediately contacted Capital One360 and was told I needed to file a claim on this. I told them I need those funds back in my account immediately. They said I would have to contact a different department the next day and ask for an immediate provisional credit. They stated I should have no problem getting an emergency provisional credit. The next day I called and spoke to customer service again and finally was transferred to supposedly a department who could help me. The customer service agent was not helpful and kept quoting me 10 days. I said I will be getting another deposit of {$200.00} in my account which I need for my car insurance, etc. I could not have them jeopardize these funds because I could lose my coverage. I ended up asking for a Manager. A Manager by the name of XXXX XXXX ID # XXXX responded. She was very rude and abrupt from the very beginning. I am a Senior living on a fixed income and I explained the situation to her thinking she would help me. 
I told her I had a stop payment on the {$300.00}. This XXXX was hateful. She quoted me a federal guideline number stating that she could do nothing to help me. What???? I have Never had anyone talk to me like this before. She stated she would not help me and I would have to wait and she didn't feel I was eligible for a provisional credit. Unbelievable!!! This woman XXXX should Not be in her current position and dealing with the public. She offered no assistance whatsoever. What I said and my having placed a stop payment meant nothing!!! I told her I would report her and she did not care. 
I like doing business with this bank and have never had any problems before this. I believe the problem lies with this XXXX, XXXX, rather than with the bank itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: DISCOVER BANK
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 Discover Card, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortagage proceeded to make late payments on my property taxes incurring fees that I am now being charged for. I have called them on numerous occasions and they will not give me any explanations. They re-analyzed my escrow mid year so that they would be able to place these fees on my account. They are now stating that my mortgage will increase XXXX % percent. I went from a mortgage of XXXX dollars to a XXXX dollar note. Customer Service XXXX and they are very rude and incompetent. The supervisors are worse and no one ever tells you the same story, everytime I have called it is a completely different explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: AR
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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