BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: AMERICAN EXPRESS COMPANY
State: IN
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:
American Express ( AMEX ) has an online website that I use for payments. I made an online payment for the full statement amount on XX/XX/22. When I completed the payment online I saw that an icon showed auto payment was setup. I then deleted the online payment that I had just made all in the same browser session. The system gave me a message that the online payment had been cancelled. I found out two days later that the system did not cancel the second duplicate payment. I contacted AMEX and they said they could not cancel pending items but they notated my account so that I could call back in and have this rectified. I then called XXXX and asked if there was anything I could do proactively rather than waiting until after the damage was done. XXXX said that I could put a Stop Payment on the duplicate payment that was not yet tendered to XXXX and the end result would be that the Pending payment would be paid but not the subsequent duplicate payment. XXXX actually ended up putting a Stop Payment on the Pending item and the one duplicate that was later tendered. I then called AMEX and asked what should be done. AMEX told me to make the payment again on the phone and I did so but in a slightly different amount to avoid any Stop Payment order by XXXX. The third payment on the phone processed as expected. A few days later I saw that AMEX charged my account an interest fee of {$200.00}. I called AMEX to have this fee reversed since this was all a result of AMEX 's system not cancelling my online payment that was a duplicate. AMEX told me that there were no notes documented on my account as I had been told. Further they would not reverse the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2022-05-02
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXr, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right 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 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 2022-09-24
Company: Experian Information Solutions Inc.
State: NY
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 am writing this complaint to cfpb versus the three credit bureaus in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity. 

My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically variableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS! 
I have included the credit report as well as letters Ive sent

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 2015-05-22
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My ex-wife and I submitted an application through Nationstar Mortgage in XX/XX/XXXX to allow me to assume the mortgage loan in her name. I submitted all of the information and was told I would receive a call back in XXXX business days. I never received a call back and when I contacted Nationstar in XXXX, I was told the information was never received. I resubmitted the information a XXXX time and confirmed with Nationstar that it was received. I then received a letter in the mail dated XXXX XXXX stating Nationstar received our request for an assumption and asked for the exact same information a XXXX time. I called Nationstar and was told again that they did n't have my information. When I informed them I confirmed with Nationstar the last time it was submitted, the representative was able to find the data I submitted XXXX before. I was then told it was with the research department and someone would contact me within XXXX business days. However, once again, I received no return calls or mail correspondence. I contacted again on XXXX XXXX and was asked to resubmit the same information for the XXXX time. I received a XXXX confirmation from Nationstar that my information was received. In XXXX, I called back for the XXXX time and was told that it was being researched by the research department and someone would contact me soon. I called again in XXXX and was told that the assumption was approved and it was in the hands of a third party for closing and could take up to XXXX days. It is now XX/XX/XXXX and I have not received any closing information, no return calls from Nationstar and continually get transferred from XXXX department to another, and eventually get hung up on. XXXX months have now elapsed and I am still no closer to resolving this issue. Again, I want to stress that I was told in XXXX the assumption was " approved '' yet I have heard nothing since. This is unacceptable lending practice and I feel an intentional attempt to not honor the approval that was verbally provided by phone. Nationstar records calls per their voice messaging system, so they clearly have access to verify these statements. Additionally, it has been impossible to speak to a member of management. I am always told they are unavailable but they will have someone contact as soon as possible, and as usual no one ever returns my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: GA
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 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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, 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 non-monetary relief
Consumer complaint received 2017-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax never gives me a free credit report. I try every year but for some reason I always have an issue. The only way I 'm able to get it is if I buy it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CCS Financial Services, Inc.
State: FL
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes the complaint is the result of a misunderstanding
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: 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:
Iv been Trying to fix my Credit report for 6 years with little to no results. According to the 15 U.S.C 1681 Law there should be no damages on my report, its a defamation to my Character. On XX/XX/XXXX threw XX/XX/XXXX. I opened a dispute on XXXX Report number XXXX and nothing was done. The results were done on XX/XX/XXXX. I'm also a victim of identity theft according to XXXX XXXX XX/XX/XXXX. They offered no Remedy for that reporting. I'm also a victim of XXXX Data breach and was offered no Remedy. I'm trying to get a simple loan and continuously get denied. Out of all disputes not once was I giving proof of me doing business or signing a contract with these company 's.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Account # 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 View full complaint

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 2023-04-27
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:
I am writing to bring to your attention a serious violation of my consumer rights by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I recently discovered that XXXX XXXX has unlawfully reported an alleged debt to my consumer reports. This letter serves as a formal complaint and a request for immediate action to rectify this situation. 

According to the New Rule REGULATION, which took effect on XX/XX/2021, XXXX XXXX XXXX XXXX, by parking this alleged debt on my consumer reports, has violated the FDCPA 1006.30a and its new rule. This action is in clear violation of my rights as a consumer, and I demand that XXXX XXXX cease and desist the reporting of this alleged debt without any further delay. Failure to comply with this request will leave me with no choice but to escalate this matter by taking legal action. 

I would like to emphasize that I have not given XXXX XXXX XXXX XXXX written permission to include any information on my credit profile, as mandated by 15 USC 168162. Therefore, XXXX XXXX has no permissible purpose, by law, to contact third parties or disclose my private or personal information. By doing so, XXXX XXXX has committed offenses that amount to Aggravated Identity Theft, as outlined in 18 US.C. 1028A. Knowingly transferring, possessing, or using my means of identification without lawful authority is a felony punishable by up to 2 years of imprisonment, in addition to civil liability. 

As a litigious consumer, I am fully prepared to take legal action against XXXX XXXX XXXX XXXX if necessary to protect my rights and seek appropriate remedies. I urge you to investigate this matter promptly and take appropriate action against XXXX XXXX for their violation of consumer rights. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough review of this complaint and ensure that XXXX XXXX is held accountable for their actions. Furthermore, I would appreciate your assistance in expediting the process and securing the deletion of the inaccurate information from my consumer reports, as well as verifying the debt with a wet signature as required by law. 

Thank you for your attention to this matter. I eagerly await a prompt resolution to this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion recieved personal information and reported it on me from a company called LCI- I've contacted LCI many times to opt out of there services but they just keep asking me to leave a message an nobody gets back to me. I have never given LCI or Transuniuon Permissible purpose to report anything on me. I've emailed LCI to cease there illegal reporting on my violated my consumer rights. This is tstopping me and my children from Purchasing a home and we may soon be homeless please help.

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 2023-04-14
Company: Fay Servicing, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have received notices about my payments. I have had several phone conversations with Fay Servicing. 
XXXX XXXX XXXX XXXX To process a payment on XXXX I was told the payment was processed it will take a couple of days for the bank to release the money. .I called them back on the dates above and they said on the XXXX XXXX they were seeing the payment was received. I called back on XXXX because the money was still showing in my account. Fay Servicing notified me that my home was in foreclosure but she could not give me any information until Wednesday XXXX and I would be responsible for legal fees. I was informed that they had the wrong banking information for my account. And I need to make sure the information is correct. Although they put the information into the system I see where they had ben involved in class action law suites before and now I see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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 belongs to someone else

Complaint:
Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach

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 2022-09-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi I'm writing because I've had account mishandling where my gov pension has been being deposited in my account and an my debit card is being treated like a secondary holders card and when I opened it I told them there are not to be no other users by no one current wife or no one I back in XXXX or XXXX opened the account that was never closed properly in XXXX at the XXXX XXXX branch as I requested due to someone bought shares into the branch that I couldn't see there is a woman with another branch card or personal identifying card of mine an it was linked to my checking not by me and in XXXX at the XXXX XXXX in XXXX XXXX XXXX where the branch manager opened the account was told no one else was to be on the account I was at the ATM to make one a XXXX dollar with draw saw a special veteran benefit deposited in my account around XXXX dollars and the other cardholder withdrew XXXX and the account immediately closed I alerted the branch an call the police where I was disrespected and was told to leave the branch this mishandling that has been going on for yr since I opened the account all money electronic deposits were for me and I received none of my payment for a yr and all money traveling threw the account has fraudulently been given to someone else I'm reporting full bank fraud on all transactions at this bank my device for reviewing secure text messages was stolen and I believe my still be actively being used I'm requesting a full investigation of all transactions in this account and am claiming full fraud and mishandling for every US Dollars traveling thru and transfers an Im asking that you look at cameras to stores transfers and electronic deposits a woman is behind this and as well a girl XXXX XXXX filed a fraud marriage being investigated by the FBI when she got info that I would be receiving pension veteran payments the best mailing address til I get a secure post office box for this moment I do not have and can only receive message and text to XXXX best to text and leave call info or message or XXXX I'm getting my LLC and opening with a different bank please know I only open the accounts deposited XXXX in XXXX withdrew that XXXX and withdrew XXXX dollars all at the branch all moble transactions are fraud as well as all those deposits were stolen please assist if u have a office I'd rather self represent and I and a active federal employee thank u for all your assistance call or text anytime u may have to try more than once thx XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial LLC, is playing some kind of game to put me into default on my mortgage. They stopped sending me monthly billing statements back in XXXX ( see last statement, attached ) and although my name is the primary name on the mortgage, and I have written all the payment checks, they sent their default letter addressed to my wife back in XXXX. I paid the balance due plus the next months payment and included a copy of their default letter, noting on it that they were not sending billing statements ( see attachment ). I still, as of today 's date ( XXXX/XXXX/16 ), have not received a new statement from Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation