BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: BAM Management US Holdings Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/XXXX, right before the fraud transactions happened ( XXXXXXXX XXXX XXXX account attached to email XXXX, a series of fraudulent activity also occurred on multiple platforms. I had fraudulent activity on my credit cards ( XXXX as well ), social media accounts, and my email login credentials were changed. ( I attached photos ) It wasnt immediately noticed that a large amount of money was removed from my savings account, as I rarely check that, thinking it was safe. The police were notified, and an identity theft report was filed. This has been a very stressful situation for me and the hardship it caused is unimaginable. 

XXXX XXXX mailed me letters from the merchant that contains IP address login information, which is part proof of Authorization, from me. Whats bizarre about those, I was able to recover my emails and there was email sent From the merchant that also contains IP addresses, only one of the the 8 which matched the ones on the documents they sent to XXXX They were all from different locations some relatively near and some far from my hometown, including XXXX XXXX XXXX XXXX. The information that the merchant is providing seems very in accurate and questionable. Ive contacted XXXX XXXX fraud department. They were able to recover 5 of the 12 unauthorized charges. After that Ive gotten no help. Ive asked for a written explanation from the bank multiple times so that I could prove My innocence.. Im not sure how Im being told some charges were unauthorized and refunded to me, but the others were authorized. Im not a scammer, and none of the charges were authorized by me. 


On XX/XX/18, I had {$5000.00} taken out on an IP address in XXXX  How is that me? I am attaching screenshots of the IP address along with its location. I would like to get to the bottom of this and be helped before forcing this to arbitration. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX Experian is reporting inaccurate information on my credit file which is a violation of my consumer rights FRCA LAW. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, settled this account XX/XX/22 via phone with representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX Receipt of payment will be attached. Voice recorder to Payment settlement will be sent to each bureau and CFPB TO PROVE THIS WAS SETTLED FOR {$300.00}. Credit report is reporting inaccurate pass due amount, open balance, which if inaccurate information. 
The account is NOT being thoroughly investigated, but is responding by a generated response. No one is actually investigating this account and now Im going to get an attorney for lawsuit because my consumer rights XXXX continue to be violated by Experian, XXXX XXXX and 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 explanation
Consumer complaint received 2017-08-12
Company: Nations Recovery Center
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called nations recovery call me often every time I answer they hang up never telling me a thing, when I call them back to find out information they hang up on me. I want them to stop calling me. I have no idea what they want. the number they call from is 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 2023-07-27
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. 
XXXX ) XXXX XXXX XXXX # XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX  XXXX XXXXt/Acct # 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 explanation
Consumer complaint received 2021-09-30
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bought my new Kia in XX/XX/XXXX, started first regular payment XX/XX/XXXX. I have been making double payments to Kia Finance every month up until XXXX. Every month I called and asked the overage to be applied directly to the principal because I was told I HAD to call or they would not do that. Turns out they were not doing that anyway. I have a log of all my calls and who I talked to and I even told one of them in XX/XX/XXXX that I did not believe my payments were being applied correctly and she rudely told me I just did not understand and was wrong. I kept making my payments though. Fast forward to XXXX and I am looking to get rid of the car because of some issues, the dealer tells me my next payment on my car is not due until XX/XX/XXXX. THIS MEANS MY PAYMENTS WERE NOT GOING TO THE PRINCIPAL! They were just advancing my payment and applying it to the total loan even though that is NOT what I asked them to do. I have a log of everyone I spoke to and what day. I KNOW what was said. I then spoke with a supervisor on XX/XX/XXXX who assured me they would pass this issue on to the payment department, ( who by the way they will not let customers speak with ) and that I would have it fixed in a week. It has now been two weeks. I called again on XX/XX/XXXX and was told my concern would be escalated and I would be sent an email when they fix and adjust my payments. STILL zero communication from anyone and the issue is not fixed. Not to mention when I add my payments up, money is missing and every time I asked about that, they changed the subject and would not answer. THIS COMPANY IS HURTING CONSUMERS. They are blatantly trying to make us feel XXXX and confused so that they can apply our payments wrong and take more of our hard earned money. Kia Finance should not be allowed to continue in this way and I want someone to ACTUALLY help me and not just say they sent a request over. Even the dealership said they were applying my payments wrong, but every time I called they assured me they were. I literally have no ability to even help myself as this company continues to XXXX me over. There is no transparency and no way to see where my missing money went. I am at my wits end. 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 2023-05-21
Company: EQUIFAX, INC.
State: NC
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 reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) late payments on an account that I was never late for. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. 

I have never been late on payments for the account : XXXXXXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
I have fraudulent accounts and inquiries appearing 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

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 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was contacted stating that I need to send payment for utilities or they would turn them off. I had to send the money through the XXXX app which I did. {$300.00} on the 1st transaction and then another {$100.00} for the second. After sending the money to XXXX XXXX I realized I had been scammed and contacted my back which is capital One. I immediately opened a case for both transactions and was told that I would receive my money back within 5 - 10 business days. I have the confirmation numbers for both cases as well as the emails from the bank. I contacted the bank on XXXX XXXX as I have still not heard anything in regards to this situation and was told that my disputes were denied and they would not do anything else for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house payment includes taxes and insurance. My mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX. With Nationstar my escrow payment has been XXXX, it has increased to XXXX as of XXXX XXXX. I contacted the company on XXXX, and spoke to XXXX, located in California, to find out why this has happened. I got 2 different reasons, and neither one made sense to me. I asked to speak to a supervisor, was on hold for approximately 5 minutes, then was told he could n't reach the supervisor. I asked him what government agency oversees mortgage companies, he told me Nationstar could do that internally. I declined, and I stated I wanted to use a Government consumer agency, and we ended the call. Also, they are changing their name from Nationstar Mortgage to " XXXX XXXX '', not XXXX XXXX Mortgage, just ... XXXX XXXX. That sounds like a scam to me, or some other illegal operation. I have attached the records of my payments, and what I believe, is the inflated escrow charges. Thank you for any help you can give me. I will also file a claim with the Consumer Protection Bureau, and the Oregon Department Of Justice Financial Fraud Department. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 2020-08-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a debt collection agency after attempting to contact XXXX XXXX myself about the oversight on amount owed at which they faiked to reply. Emaik receilts from our i itial move in was also sent to the company. In late XX/XX/2019, was sent a debt collection letter by a company at which I responded with a cease to desit lettwr and verificication which they did provide. On the details it clearly states that the flooring was ( poor ) upon move in but they have charges of over XXXX. We would like this removed for failure to collect the correct amount.

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 2018-05-05
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 submitted a credit dispute to bothe Equifax and XXXX for an account that was not not properly validated. Both reports state it was verified. I sent a debt validation letter to XXXX XXXX XXXX XXXX  for a collect account found on my Equifax and XXXX  credit report. I sent the request on XX/XX/XXXX certified and it was received and signed by the Collection Agency on XX/XX/XXXX. On XX/XX/XXXX a representative of the collection agency called me to inform me that they do not need to validate anything as their client sent an invoice. I proceeded to tell them that I did not receive any invoice nor did I receive the requested items in the debt validation letter. I further asked for all information in the letter to be sent in writing. It has been more than 30 days and I have not received any information validating the debt belongs to me as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I attached a copy of the validation letter sent and the proof of certified mail received. I also submitted a CFPB complaint on the collect agency and they did not respond CFPB complaint XXXX. I also I checked to see if XXXX is a licensed collection agency in the state of Florida and it is not. All of these points show they do not legally have the right to report a negative file on my Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
on XX/XX/XXXX I reached out to XXXX, Transunion, and XXXX via cell phone concerning credit inquiries that i did not authorize. I explained to the customer service reps that I am constantly receiving emails with offers from various credit card companies offering to extend me credit, and that if i put the last 4 digits of my social security numbers in that i could check how much credit i could qualify for without it reporting to my credit profile, But when I checked my credit report i discovered that i had in fact received hard inquires from those credit card companies. The representatives from each company ( XXXX, XXXX transunuion, ) Told me that they could not me remove those inquires from my credit profile even though the FCRA says I have a right to dispute any unauthorized items that may appear on my credit profiles. These companies house our information without our permission, and when something is wrong or inaccurate they treat you like you are wrong about your information, and that there is nothing that can be done when your credit profile is being reported inaccurate. XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), these inquiries was not authorized by me, i gave no one permission to access my credit profile, nor do i have any accounts with these companies who accessed my profile with out my permission.

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 2021-05-05
Company: EQUIFAX, INC.
State: VA
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:
In mid XXXX, I was in the home buying process. My wife and I had great credit according to the loan XXXXXXXX, however I was told Equifax had placed a freeze on my account that I had no knowledge of. I called them and they told me I had to verify my identity by sending personal documents, because my social was under someone elses name, and there was no credit history in my name ( have had credit card for years ) I faxed these docs in XXXX, multiple times, and mailed them. I had do manual underwriting on my mortgage loan or else I would have lost the house because of Equifax. The last week of XX/XX/2020, I was told my documents were finally received and that the issue was fixed, and to wait XXXX months to see a score appear. Flash forward to now, I call Equifax, they tell me I have NO CREDIT HISTORY again. And I have to send in My personal documents, AGAIN. My problem was never fixed apparently. There are multiple other people who have had this problem. My wife and I have a home improvement loan, a mortgage, and credit cards. I have not had an issue with other credit bureaus. I feel like my life is being held XXXX by Equifax, I wont be able to get any type of loan in just my name despite having a responsible credit history because Equifax wont fix my report and still thinks I dont exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation