BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I check my mortgage and escrow account regularly. For months my escrow account had a surplus of {$570.00}. The website stated that Nationstar Mortgage will be mailing a check in that amount to XXXX XXXX XXXX, XXXX, New York. On XX/XX/2018 Nationstar Mortgage did an annual analysis of the escrow account and sent me a check in the amount of {$140.00}. 

I called and asked where the check was for the {$570.00}. I was told that the check was sent to me. I stated that I never received a check for {$570.00}, only {$140.00}. I was told that a stop-payment would be put on the check and another check would be issued. A week later I called again and was told that whomever was to get the check issued failed to get the appropriate approval and the issue was sitting on someone's desk. Several days later I called again and asked where the check was for {$570.00}, and was told that I received the check and cashed it. I again stated that I never received a check for {$570.00}, and only a check for {$140.00}. They have not gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I received advertising from American Express Credit card services, advertising perks, such as airline miles and FREE BAGS or up to 8 people in my party .... if I opened, or upgraded a card, and purchased a flight with that card. I did everything they asked : I upgraded my AMEX card, and was charged a pro-rated membership fee of {$26.00} ( from XXXX to XX/XX/2021 ) to do so. And paid that. And then purchased the tickets to fly from XXXX to XXXX with that card. And all passengers were on the same flight/manifest. Yet, when we went to check in for our flight, the booking agent said the ticket did not allow for free bags. Huh? So we paid for the bags ( using the AMEX DELTA card ) was were charged {$30.00} per bag. We had two bags, so total of {$60.00}. I figured that AMEX would see the error and credit us immediately. Instead, they refused to do so, and insisted that the only way to get he credit was to file a dispute with Delta XXXX. So now, we have paid {$26.00} for upgraded membership ( for the perks ) that we did not receive!. Plus {$60.00} for the bags ( for a total of {$86.00} ). I have tried to work with AMEX and spoken to several customer service reps and supervisors. I am astounded that they all insist that they can not reverse the charges, and that we have to re-open a dispute with Delta. Delta insists that these were excess bags ( even though they were neither too large, overweight, or a second bag ). Since Delta charged the bags as " excess '' ( even though this was incorrect ; these were the first bags, not excess bags ), they denied the dispute and Amex insists that we have to pay for the bags. And they will not refund the membership fee that I paid either, even though we never got the " perks " of membership that we expected ( free bags that I was promised ). Now they are charging me another {$99.00} to continue as a member. This is just wrong. If a customer has to fight hard to get a perk they expected to get for signing on for the card, then it is not worth it. Classic case of bait and switch. How many other people are they doing this to who just pay and don't complain, I wonder?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal 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 2017-05-02
Company: BARCLAYS BANK DELAWARE
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for  the Barclay 's m astercard gold card and was told that I would receive a 0 % interest rate and that the annual fee would be waived for the duration of my military service. I recently received a notice stating that I would now be charged the annual fee.

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 2021-01-09
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by XXXX credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to XXXX, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from XXXX is inaccurate when XXXX  list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX demographics. 

The loan is dated XX/XX/XXXX, with application # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I over pay my XXXX  off pay for XXXX .toXXXX XXXX were the last payment westlake kept taking payments XXXX. I over payfinance charge and car note they old me XXXX dollars.Has not sent me back my money.. This is my Complaint. Account XXXX.. They XXXX {$7000.00} dollars. They took my car it were pay for I did not get a tittle. When can they put me and a new car XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2022-04-12
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: Old information reappears or never goes away

Complaint:
The problem Having with Equifax is reporting a XXXX  XXXX XXXX Account : XXXX This Account Has exceeded the Statue of limitations allowed. 



By LAW this account must be Deleted off my credit report. It Must be Deleted today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Account : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) Account # : XXXX Balance : {$470.00} This is a formal complaint against the collector Portfolio Recovery XXXX XXXXXXXX. I have been disputing this account directly with the collector and they have claimed that I have NOT provided new information which is to form basis for a new investigation, when in fact, I have indicated specifically on every letter that I've sent them what I wanted as part of their legal duty to do a reasonable investigation of this debt. 

In the first letter that I sent, I have asked them to validate the account, they responded with insufficient documents stating the amount that I owe without all the other documents I have asked them to provide such as a proof of my identity, proof that this account has not been written off as a tax liability. And prior to reporting this debt to my credit report, I have never received a notification from this company of planning to report this account. They never sent me that proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dates XXXX present I have been trying to work with XXXX XXXXXXXX and XXXX XXXX fix my PSLF count. I have all direct loans, certify my employment each year as recommended, I have always been on the correct payment plan. I have asked for review of my file multiple times, provided proof of autodraft payments and still have had incorrect qualifying payments. Mostly due to an error by XXXX autodrafting the wrong payment amounts, something I was not made aware of until my loans transferred to XXXX XXXXXXXX and nearly a year of qualifying payments were not counted despite my being enrolled in autodraft payments. 

Recently, due to the PSLF Waiver, I was encouraged to consolidate my direct loans because it would lend to the count being corrected quicker than going through another review. I followed this advice, and instead of my XXXX qualifying payments, my count has now sat at zero qualifying payments for two months. No one seems to be able to give me a consistent answer, which is not surprising after years of inconsistent and inept customer service ( for the record I do not blame the customer service reps, but the poor training from admin ). 

As someone who has always enrolled in autodraft payments and consistently paid and done her due diligence for the PSLF program, this has been a painstaking and infuriating process. It should not be this difficult or stress inducing. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I lost my purse XX/XX/2021 around XXXX  when I was in XXXX and the person who got my purse made multiple different unauthorized purchases using my credit cards. 

This includes a transaction of {$1400.00} ( XXXX XXXX XXXX ) with my Bank of America credit card. Another transaction of {$51.00} with my Bank of America credit card was rejected automatically. 

I reported the credit card loss and the unauthorized transaction ( {$1400.00} ) to Bank of America on XX/XX/2021 night and requested a replacement card. 

After one month, I was notified by Bank of America that my fraud claim was declined. Because " the chip was read, your PIN was entered and/or you signed for the merchandise or service ''. I called Bank of America again provided additional details, like policy report number and information like I don't have a PIN for the credit card and my ID was also in the lost purse. However, they declined the fraud claim again with the same excuse. 


I have never been to the store ( XXXX XXXX XXXX ) and my other fraud claims in other banks are all approved. My credit card doesn't have a PIN and I don't believe Bank of America has ever checked the signature and confirmed that is from me.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is not 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: NJ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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 have a paid membership with XXXX  Credit reporting to monitor my credit report and credit scores. On XX/XX/2021, I contacted their dispute department and inquired why I received an alert from them, indicating that my credit score dropped 3 points. The customer service personnel couldn't find or tell me why my credit score dropped from XXXX to XXXX. I previously disputed, with XXXX, Equifax, and XXXX, that I paid off two ( 2 ) auto loans and a student loan early that wasn't reflected on my credit report. At the time, XX/XX/2021, when I disputed the loans not reflecting paid off on my credit report, my credit score was XXXX. When I spoke with XXXX  dispute personnel yesterday, I asked why haven't my credit score increased since paying off two auto loans and a student loan 5 months ago. I further mentioned that my payment history is exceptional, no late or missed payments. He stated to me that he sees that my payment history is exceptional and doesn't understand why my credit score isn't higher, as well as why it dropped XXXX points yesterday. I have filed disputes with all 3 credit reporting agencies, and haven't received any explanation as to why my credit score hasn't risen, but has dropped. My ethnic background is XXXX XXXX and I am really feeling like I am being discriminated against, and these companies are purposely decreasing my credit score. I'm sure they will deny discrimination, but what is their reason for dropping my credit score. I am not the only American that has at least $ XXXX in credit cards. I have no missed or late payments with any of my credit cards, actually I have been paying some of them off, decreasing my credit balances. I just wants answers. My credit score should be higher, not decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.

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 2022-07-22
Company: EQUIFAX, INC.
State: DE
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 U.S. DEPARTMENT OF EDUCATION Account # XXXX ..., has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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
Consumer complaint received 2023-02-24
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : XXXXXXXX XXXX Amount Collect : {$1400.00} from Creditor : Credit Collection Serv, 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 believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation