BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In accordance with Fair Credit Reporting Act. Credit Coll account # XXXX has violated my rights. 15 U.S.C.1681 section 602 A states I have the right to privacy. 15U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CITIBANK, N.A.
State: TN
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: Problem with personal statement of dispute

Complaint:
Around the end of XXXX- XXXX of XXXX, I contacted Home Depot Credit Services for resolution to defaulted account with a balance of around {$700.00} at the time. I was effected by job loss and covid displacement and informed I was entitled to programs which would help for each circumstance and phase out this bill and keep from collections and negative reporting of my credit. I was informed after forgiveness of late fees associated with the account was granted and the new balance was {$420.00}. I was told this is where the covid relief plan implemented that day would take of this and the account would be closed and no longer usable. For over a year I never received any info the account was active, at one point the account was removed and closed with {$0.00} balance on my credit report before XX/XX/XXXX where it now shows as a collection of {$800.00}. I spoke to Home Depot and they have record by voice recording of these proceedings but " have no way of forwarding this to me or the collection agency and it is out of their hands. '' Citi bank states to have had the collection for over a year but never sent out any correspondence when the account was sold the same month I had it resolved. Being told " it's too late '' to do anything should be against the law, the representative of their company should be held accountable not my credit. I have been unable to secure housing based on the negative effects of this on my 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 2023-05-29
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: 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 2015-12-14
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother 's reverse mortgage serviced by Champion Mortgage went into foreclosure for failure to pay taxes & homeowners insurance. When she finally told me what was happening I sent the loan servicer, Champion Mortgage, an authorization for me to access her account info ; it took them several days & multiple faxes for them to update the account & speak with me. After repeated calls I was only able to obtain a verbal quote of {$18000.00} to cure the default - Champion refused to provide written breakdown of costs, nor written confirmation that the amount would stop the sale. I confirmed several times with XXXX XXXX XXXX at Champion that {$18000.00} was correct & on XX/XX/XXXX I sent XXXX cashiers checks totaling {$18000.00} to their XXXX MI office as instructed ; I sent it via overnight XXXX & have XXXX delivery confirmation for XX/XX/XXXX. Since XX/XX/XXXX I have called nearly every day to confirm account is current & to request breakdown of what the {$18000.00} paid for. I have detailed notes of who I spoke with & when. XXXX reps, XXXX & XXXX, were very professional & really did try to help me within the confines of their company, but several reps were unbelievably rude, condescending & nasty : XXXX & XXXX in particular were incredibly unprofessional & rude ; XXXX hung up on me when I repeatedly requested a supervisor, the other would repeatedly put me on hold for extended periods of time ( over 10 minutes ). It has been over 2 weeks & Champion has my mother 's XXXX & are still proceeding with foreclosure. I spoke with the Trustee conducting the sale & they have not received notice to vacate the sale. I work in XXXX & understand the system & still, I ca n't get this account cleared up, or even obtain an accounting of the money. How can an elderly person with no industry experience hope to sort things out? I know that a reputable loan servicer has no difficulty providing a written statement nor applying a default cure payment ; I deal with many lenders at work & know what to expect. This is beyond the pale. They also gave me a false foreclosure date of XX/XX/XXXX to push me to send money quickly ; per the Trustee the actual sale date is XX/XX/XXXX. Remember-this is a reverse mortgage, specifically for the elderly - there is no way that my mother would not stand a chance of getting this account cleared up & stopping the sale. I need help to force them to acknowledge the cure funds, stop racking up trustee foreclosure fees & provide an accounting ... please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: IL
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:
On or about XXXX of 2020, ( during covid-19 ) my purse was stolen and my personal information was compromised. Someone made inquiries to several places attempting to open accounts in my name. I asked the credit reporting agencies to remove these inquiries because I never made such credit request however they refused.

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 2020-01-10
Company: EQUIFAX, INC.
State: UT
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 reporting a collection to my credit that I do not owe. I never received my 30 day right to dispute notice for this account, and when I saw it was on my credit I paid it off immediately. This account is paid and should no longer be reporting a balance, and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit 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 filed a dispute on XX/XX/23 for fraud charges total {$4500.00} and they have yet to update me or even refund the amount. Now Im responsible for this charge. And Im going to sue them if they dont refund because I didnt make those charges. I HAVENT EVEN RECEIVED THE CARD!

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 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Dear Sir/Madam, I am writing to you to file a complaint regarding my recent purchase from XXXX. On XX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$620.00}. Unfortunately, when I received the item and attempted to use it, I discovered that it does not turn on at all. 

I promptly submitted a request to return the item, but to my dismay, my request was denied by the company. They stated that I violated their return policy, despite my inability to see any reason for this in the policy itself. 

I then escalated my complaint to my credit card provider, Capital One. However, they also closed my case, stating that the company had delivered the product to me in good condition. 

I am at a loss as to why I am being denied the opportunity to return the defective product. I believe that I have a legitimate claim and should be granted a refund or a replacement. I would appreciate your help in resolving this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Sunlight Financial LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Sunlight financial was provided as a lending intuition for XXXX XXXX project. XXXX XXXX XXXX XXXX XXXX provided sunlight for loan. Sunlight participated in predatory lending practices backing Adjustable rates based on Fed tax incentives in amounts that were not achievable. Additionally the system itself didnt work and does not work as advertised and should fall under the HOLDER rule. The cost of the System with out interests is {$65000.00} While I have been making my payments its becoming hard with a system not working and having double the utility bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX xxxxxxxxxxxxxxxx XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dates XX/XX/15, XXXX, XXXX XXXX XXXX Late Dates XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, 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:
Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely. they have to follow the FCRA LAWS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is billing me for an account that is not mine. On XX/XX/2020 they sent me a bill. On XX/XX/2020 I sent the a letter in response to their bill. I requested from them a copy of the signed credit application. They have not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Re : Synchrony Bank who underwrites Lowes XXXX XXXX credit cards. 

I unknowingly overpaid my account in XXXX by submitting the payment twice. No one told me that I had a credit for {$1800.00}. I found out the beginning of XXXX on my OWN. I received NO billing statements notifying me of this overpayment. 

I called the customer service number on XXXX. They subcontract their call center to another country. I get to hear roosters crowing in the background repeatedly. The woman assured me I would get my money via check within 10 to 14 business days. Nothing. 

I called again today XXXX I explain the situation again. Of course, there was no record of my call! Probably wasn't documented because she heard nothing of my conversation due to the cockle doodle doos in the background. I am now told to wait an additional 10-14 BUSINESS days a day the overpayment refund can not be expedited.

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 2015-12-14
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXXNationstar Mortgage foreclosed on my father 's home at XXXX XXXX XXXX, XXXX CT XXXX & the title did not revert back to the bank until XXXX/XXXX/2015. XXXX/Nationstar Mortgage illegally locked me out of the home from XXXX to current not allowing me to retrieve my personal belongings. I have tried for well over a year to get access to the home by the bank but have been ignored and unacknowledged. 
This complaint is not about the foreclosure itself but about the process that was not followed by the bank to evict my personal belongings. According to the law, the bank forecloses on the real property not the personal belongings inside the house. The personal belongings became a tenant to the house and the bank then would need to file the appropriate paperwork to have the belongings removed. The only person who can remove property from a home is a XXXX XXXX and that is only after ejection paperwork has been filed and processed and approved by the courts. 
I notified the Nationstar 's hired bank representative XXXX XXXX of XXXX XXXX in XXXX CT once I notice they had the home on the market and identified that the property inside the home is mine and I needed to retrieve it. She refused me any access and said she did not know how to get in touch with the bank. I asked her for contact # or email to the bank and she said she did not have XXXX. Immediately the next day I was advised by XXXX of my former neighbors that the house was being unloaded and dumpsters were being filled up ( see pics ) as well there were multiple pick-up trucks loading my property inside their vehicles. 
I again attempted contact with the banks hired representative XXXX of XXXX and she refused to help and told me she did not know how to get in touch with the bank. I said what they were doing was illegal and they had no jurisdiction to take my property from the home. 
In the meantime we were in contact with XXXX XXXX, State Prosecutor for the XXXX XXXX Connecticut XXXX Court who help us initiate an investigation with the XXXX Police for both criminal/civil actions. The XXXX Police have an open case file on this matter ( still open ) and they also have been in contact with all the parties as well. The police advised all parties that no property was to be removed any further from the home and everything was to be put back into the home from the dumpsters. They again were ordered to put all the property left in the last of the XXXX dumpsters back into the house and advise all representatives that there was a criminal investigation going on & that it was illegal to remove it.

Company response to consumer: Closed
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Attempted to login Equifax poral online to view my account and received an error message. Pulled my report from XXXX XXXX and can not view my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Advantage Credit, Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Some one pull hard credit inquiry on my credit file without any authorization. I has contacted 3 credit companies requesting to put faulty alter and requesting to remove the hard inquiry information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These XXXX debt collectors are destroying my ability to get credit! This is some XXXX. I lost my Job! My wife is leaving me and my children think I'm a failure! I'm XXXX XXXX! I am a federally protected consumer! 

Pursuant to the Fair Debt Collection Practices Act 15 USC 1692g ( a ), I was not notified of this debt nor contacted 5 days prior to it being placed on my credit report. I DO NOT have any knowledge or records of this account nor do I have any contracts with Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit.

Notice, congress said ANY CARD. The credit card in question is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 


1. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$11000.00} 2. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$19000.00} 3. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$3200.00} 4. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$8400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Lending Club Corp
State: CT
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 have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft LENDCLUB BNK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$8000.00} XXXX XXXX Balance : {$3200.00} XXXX OF XXXX XXXXXXXX Balance : {$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 explanation