BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX National Credit Systems is has reported that I of them {$1200.00} but I have never lived at XXXX XXXX XXXX. I have contacted the property directly to advised them that Its Identity Theft but the property advised me that they cant do anything about it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing up on my credit report after I paid the amount of {$220.00} and it was also included in my bankruptcy discharge still it was still showing up. Contacted the agency and was told they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home at XXXX XXXX XXXX XXXX XXXX Il XXXX XX/XX/XXXX for {$81000.00} with a FHA loan. We paid on our home for approx 20 years and on XX/XX/XXXX it was allegedly assigned to Nationstar. At that time it was determined we owed {$83000.00} on our home which is more than we bought the house for. In XX/XX/XXXX Nationstar said we owed {$89000.00}, and XX/XX/XXXX Nationstar said at the time of transfer we owed {$130000.00}. On XX/XX/XXXX Nationstar gave us a payoff in the incorrect amount of {$250000.00}. All of these incorrect contradicting amounts seem to equal up to mismanagement of escrow and possible fraud. I am requesting an investigation into their accounting. Nationstar filled foreclosure against me and when we recently requested a modification we were told by Nationstar 's attorney XXXX XXXX XXXX, that the modification would be handled by her. She accepted the modification paperwork and when she was questioned if the modification had been approved she emailed, hey you were denied. We never received official notification from Nationstar which deprived us of the right to appeal the decision. When we emailed XXXX XXXX to request the denial notification we never received one. Nationstar violated FHA guidelines requiring face to face meetings, as they never initiated a face to face meeting claiming not to have any offices within XXXX miles of the property. Im requesting signed certified copy under penalty of perjury of the on and off accounting ledger of Nationstar 's servicing of the loan for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Tried to contact them about issues they dont care still saying pay and this isnt my bill! Fraudulent activitys also the price goes up every day with this company! Every time I call they add more to that account! Why they wont free my name? Let me go! The company has no rights to charges through fraudulent activities! The customer service keeps calling saying bad things not caring to anything I say! Very mean and not professional about there business! They just trying to XXXX who they can! Online activities thats pushed through fraudulent activities they should be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My spouse transfered the balance of.my card to hers for interest free promotion. The amount of {$2900.00} was credited to the wrong account. I requested the amount be credited to the correct account which was not done. I asked for a refund of the amount and the credit was removed in full but not sent to the originating account nor was it issued in a check. This occurred in XXXX and the last conversation I had, after being hung up on by the first representative, I was assured that the redit would appear on the XXXX billing statement. This has not occurred. Clearly Citi intends to defraud me of {$2900.00} as well as the interest incurred on the account as a result of thier fraudulent activity.

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 2019-12-12
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: Problem with personal statement of dispute

Complaint:
I have been trying to repair my credit rating after a long illness. One of the main reasons that the credit reporting agencies state for my low rating is that I have no mortgage experience. My last mortgage was in 2004. I currently own my home free and clear. Why is this being held against me? I would think this would be a positive rather than a negative. None of the agencies will let me add a statement without paying. This practice needs to go.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 Post hurricane I knew I needed a new place to live and finalized a lease. The landlord ( XXXX XXXX ) requested XXXX. Knowing XXXX initially limits new recipients amounts I sent first transfer XX/XX/XXXX. On XX/XX/XXXX I arrived at new apartment to finalize the lease. The power was still out. I tried {$600.00}. the bank was supposed to text me a code but it never arrived. I requested a second but it did not populate and bank website logged me out. I logged back in and sent the {$600.00} but somehow I was notified it was sent to XXXX XXXX. I immediately called the bank who told me too late funds dispursed. ( later the bank claims person says it was documented I called at XXXX on the hour and funds released XXXX. ) I immediately verbally file a dispute and sent {$600.00}. to XXXX XXXX. I then paid the remaining amounts to XXXX over the next few days.The claims department told me case closed nothing could be done because a token came from my phone. 
XXXX XXXX texted me asking why I sent the money. I told him error. He said he knows XXXX and thanked me for the money. The bank never contacted me prior to closing claim and then said it's out of their hands.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with XXXX report and driver license for them to remove inquires that were not authorized by me which they ignored.

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 2018-08-09
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My account number with Freedom Mortgage is XXXX Freedom mortgage 's website is very glitchy and does not properly take in payment information. I've had several incidents were I've had to resubmit the mortgage payment which made it difficult. 

In the month of XX/XX/2018, the account number did not copy and paste over correctly ( it was missing 1 digit ) - to my knowledge I copied the full account number, due to this Freedom Mortgage charged me a late fee which now totals {$100.00} They do not notify anyone via e-mail if a payment does not go through, even though they send notifications for other purposes via email. They state they send a letter which doesn't come until 20 days after you make a payment which in turn allows them to enforce the late fee. They also do not allow you to setup recurring drafts until you 1 month ahead of the payment schedule, which means you must pay a full month 's mortgage in advanced. 

These practices that Freedom Mortgage participates in are deceitful and unethical, they should be reviewed and fined by CFPB. I want my {$100.00} refunded back to me as well.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 investigate my consumer report. i was never late. please see attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
I had American Express Cash Preferred card. I decided to close the credit card account because of the {$95.00} annual fee. When I called customer service and asked to closed account, the customer service, Cal, representative informed me he can not processed a {$15.00} Reward Balance I accumulated with the American Express while using the card. Cal closed account without redeeming my XXXX Reward balance stating that minimum for redemption is {$25.00}. What Cal failed to disclose is that I could have redeemed {$15.00} through XXXX as card has been attached to my XXXX account. Additionally, the offered benefits on the card was not the {$95.00} annually fee I was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
Company: Square Inc
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:
On XX/XX/2021 I made a purchase using my Cash App card at The XXXX XXXX for the amount of {$31.00}. The XXXX XXXX cancelled the order due to being out of stock and they refunded {$31.00} to my Cash App card. 

However, when I checked my Cash App account, only {$1.00} was refunded. I have tried to bring this up with Cash App customer support, but they keep saying that they are unable to reimburse the missing {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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:
TRANSUNION AND XXXX IS STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT WHICH IS A DIRECT VIOLATION OF THE FCRA. THIS IS MY 4TH TIME DISPUTING THIS ISSUE AND IT IS VERY OVERWHELMING. THE ACCOUNT NUMBER IS REPORTING TWO DIFFERENT NUMBERS AND ALSO THE DATE OPENED IS ALSO REPORTING XXXX SEPARATE DATES. I HAVE SENT IN PROOF AND THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY AND IT CAN NOT BE UPDATED BECAUSE IT IS ALREADY A VIOLATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$930.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX XXXX : {$930.00} US DEPT ED XXXX XXXX : {$1300.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I have been dealing with this debt for two years now from Hunter Warfield. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by XXXX XXXX XXXX in XX/XX/2019. The company claimed that I owed for something I disputed with them. I explained this in the initial conversation with Hunter Warfield along with giving the instruction to send the debt to me in writing. I have yet to receive any written communication from them and XXXX XXXX XXXX has no records of this debt in their system. I have recently had two negative hits on my credit report from Hunter Warfield. I have not been given the proper documentation and they are not taking illegal action to place this on my credit report without going through the proper procedure of debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive sent a theft report from the police and none of the information has been removed. Late payment are showing on my report that are false am no investigation was done by the company.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX 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 2022-10-21
Company: EQUIFAX, INC.
State: OH
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:
An accordance with the Fair Credit Reporting act XXXX 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 2021-04-28
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have Nationstar DBA Mr. Cooper as my mortgage company. On XX/XX/2021 while reviewing my bank account I noted 2 reversals of payments from them. I contacted them and was advised that they use a 3rd party vender to take out automatic payments and that the vender had taken out unauthorized payments and that this was a refund for them. I asked if they were going to be taken out again as I was going to use the money for other things. I was advised that they would not be requesting the reversals back. On XX/XX/2021 in the evening, I checked my bank account again and found that they had again taken out 2 unauthorized payments. I again contacted Mr. Cooper and was told that they are working on the problem but the payments were unauthorized and should not have came out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: SIMM Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I was diagnosed with XXXX XXXX and prescribed a XXXX machine. Doctor directed me to XXXX XXXX and XXXX XXXX who fit me with a CPAP machine and supplies. At that time, I had XXXX XXXX through my employer, but three months later in XX/XX/XXXX, my employer changed insurance companies to XXXX. Under XXXX guidelines, I would own the machine after 10 monthly payments. XXXX paid two months of payments before I was enrolled with XXXX. Under XXXX guidelines, however, I would own the XXXX machine after only SIX monthly payments, and the two payments made by XXXX would be counted towards those six months if XXXX requested what is called a " transition ''. XXXX did NOT request a transition, but instead billed me directly. I paid XXXX 's third party billing company, XXXX, {$190.00} on XX/XX/XXXX representing two months CPAP rental, and XXXX {$220.00} on XX/XX/XXXX for two months CPAP rental and CPAP supplies. With those payments AND the two payments XXXX already paid, my full six months should have been paid off the XXXX machine had XXXX requested a transition. Not my fault that they did not. 

I have tried to resolve my balance with XXXX since XXXX of XXXX. When phone calls didn't work, I escalated the matter to a manager via e-mail but he eventually stopped responding. I received multiple collection calls and each time I told them to stop. I eventually got the name and address for the Agent for Service of Process for XXXX on the XXXX  Secretary of State website and sent him a letter disputing the debt -- again with absolutely NO RESPONSE. NOW, I just received a bill from a DEBT COLLECTOR for three months of rental at {$68.00} a month for a total of {$200.00}. I called the debt collector today and once again disputed the debt, but I don't believe that will stop this madness.

Company response to consumer: Closed with explanation