BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 a charge was placed on my account labeled XXXX payment refund Reference Number XXXX. I discovered this on XX/XX/2022 and filed a Fraud Claim online that day. I then connected online with an associate for an explanation of what this charge was. I had never seen XXXX  payment refund on a prior statement and did not know what it was. I was told my account had been hacked and that I would receive a new a credit card in the mail. I received a new credit card and the new card account balance contained the disputed charge. I received a letter in the mail dated XX/XX/2022 stating my claim had been resolved and that I would see the credit on my next monthly statement. On the next statement there was no credit. I called an associate and was informed I would see the credit on my account within XXXX XXXX. This did not happen so I again called an associate and was told I would receive a credit in XXXX XXXX. This did not happen. On XX/XX/XXXX, XXXX I discovered online that my claim had been closed. I still had not received a credit for the fraudulent charge. Again I called an associate and was told that the fraudulent XXXX payment refund charge should not have been filed as a fraud claim. The associate informed me that he would submit it as a costumer service inquiry and that I would receive a letter from Bank of America within XXXX XXXX. I never received a letter so I again called an associate and was told the issue would be resolved within XXXX business days. XXXX XXXX XXXX passed and then on XX/XX/2022 a new claim was submitted. On XX/XX/2022 I received an email that the claim had been resolved and was sent an attachment containing the letter sent to me on XXXX XXXX  The fraudulent charge has still not been removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to Experian, XXXX, and XXXX. Experian and XXXX and XXXX are not doing their job and are just verifying these accounts as accurate without really investigating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX, my cell phone was lost at XXXX. I replaced cell phone and when I logged into my accounts ; The transactions I noticed were unauthorized I was able to cancel. and received credit. Then on XXXX I noticed until XX/XX/2022 I became aware the person who stole my cell phone had sent {$4200.00} to either themself or someone they know and had used my digital debt card and made purchases. I contacted customer support through my cash app support. The support representative stated there was no recourse to recover any money and sent me information on how to better protect my money. A couple of days later on XX/XX/XXXX contacted support again and once again i was told they can do nothing, to recover my money and to be more careful. After speaking with law enforcement and filling a police report, they informed me I could recover money because it was fraud and an unauthorized transaction. Therefore, I did my research and come to find out the same regulations govern cash app and I have zero liability to unauthorized transactions. Once informed with information, I contacted cash app support. This time, I stated I knew the regulations and I could dispute charges. Only then was I able to dispute charges, but I have still been unable to dispute the {$4200.00} transaction. Nor do I have a card ending XXXX Cash App intentionally gave me false information, which prevented me from filling a claim on the unauthorized transactions. I still can not file a claim for XX/XX/XXXX XXXX XXXX XXXX - {$4200.00} Further, the transactions I have been able to make a claim on listed below : THE XXXX XXXX - {$96.00} Debit XXXX XX/XX/XXXX Cash Card THE XXXX XXXX  - {$67.00} Cash app has sent me two emails stating my claims where approved and I received credit, but I have received no credit to my account. I have contacted them many of times. Each time support states my account was credited, I then provide them a screenshot of my account proving I did not receive credit and conversation abruptly ends with no resolve. Upon checking with the merchants they have all stated the charges were credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Bank Account Number : XXXX XXXX  XXXX  Account XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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 2021-07-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please delete all inaccuracies and double accounts and send an updated report to my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: 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:
Greetings, I submitted a complaint for an account that has been reported on my credit report, that is not my account and that should not be on my credit profile. I have disputed this account several times and have even provided documentation from other major credit agencies XXXX and XXXX that shows they have removed this account from my credit files. However Experian continues to have this account reporting. This is not right and a violation of my consumer rights. I tried to attached my documentation proof the XXXX removal letter but the website wouldn't allow me to. 

The account XXXX XXXX Bank XXXX is being reported on my credit report. As stated before this is not my account. As a victim of identity theft. Under the fair credit reporting act FCRA 605B ( 15 U.S.C. 1681c-2 ), I have taken the steps to notify all parties of this inaccurate reporting yet it still remains on my experian 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 2023-11-28
Company: EQUIFAX, INC.
State: MS
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:
I was a victim of the Equifax data breach and inaccurate information needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also called the original creditor and file a complaint two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past almost 2 years I received a loan modification form Nationstar Mortgage, ( Loan # XXXX ), I have been paying religiously on time for said time. This has helped rebuild my credit profile an score improving my credit worthiness and improving my financial quality of life. 
Unfortunately Nationstar has been negligently reporting my payment history incorrectly for said mortgage. Most recent evidence of their inaccurate reporting methods and collections practices is evidenced by attached documents which demonstrate my ontime payments and a letter in which Nationstar has reporte me 30 days past due or delinquent to a ll XXXX bureaus and is wanting me to communicate about this with them. 

It is v reprehensible that I have complied with all my responsibilities as consumer to pay on time and slowly have tried to rebuild my credit history and Nationstar by its negligent actions is destroying my financial creditworthiness. FCRA and FDCPA laws were enacted to protect consumers from specifically these type of actions by creditors, specially when it affects disproportionately a double minority group as in my case a single parent ( XXXX ). I stand to loose the credit cards and financial considerations I have received over this last 2 years from other creditors due to my improving financial credit record by the negligent and unprofessional actions effected by Nationstar Mortgage I expect immediate correction of my credit bureaus reports. Apology and retraction letter by Nationstar Mortgage and the payment of all FDCPA and FCRA violations fines which should credited to my principal mortgage balance for damages and penalties payable to me as a consumer. 

I may be reached at XXXX or email at XXXX KInd regards, XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage was purchased by Carrington Mortgage on XX/XX/XXXX ( transferred to Carrington Mortgage on XX/XX/XXXX ) from XXXX XXXX XXXX. We paid XXXX XXXX XXXX  the XXXX payment of {$1800.00} on XX/XX/XXXX with it showing as accepted by a transactions document ( sent from XXXX XXXX XXXX ) on XX/XX/XXXX. Carrington mortgage, who we did not send a payment to until XXXX, is stating they did not receive XXXX 's payment due to a return for non sufficient funds, which is false, because we did not submit a payment to Carrington Mortgage until XXXX of XXXX. We have contacted XXXX XXXX XXXX  and they say everything is good on their end, they received XXXX 's payment. Carrington does not see it at way and we have sent the documents to Carrington Mortgage from Amerifirst showing that the payment was accepted. We did not receive notification from Carrington on this matter, I caught it when I went to pay XXXX 's payment to Carrington that we were overdue for XXXX 's payment. Being it is a transfer of a mortgage, we had 60 days of no credit reporting/late fees according Carrington. We submitted documentation via email of history of transactions from XXXX to Carrington on XX/XX/XXXX via email with bank statements showing the payment as valid. They stated it would take XXXX business days to credit our account if the investigation was valid. We paid 2 payments on XX/XX/XXXX in the amounts of {$1800.00} for each payment to cover XXXX ( which really was not late but was in investigation still according to Carrington, who said over the phone they would credit the Payment of XXXX after investigation ) and XXXX payments. XXXX received a credit, via over the phone we were told, and then we paid XXXX 's payment on XX/XX/XXXX in the amount of {$1800.00}. In XXXX, we had a hit on our credit for XXXX being past due by over 30 days, because the credit did not happen according to " payment history '' on Carrington 's website. They then applied XXXX 's payment to XXXX 's payment. Every time we call, they seem to be lost at what has happened and do not see conversations logged in their system. We paid, what we consider XXXX 's payment on XX/XX/XXXX in the amount of {$1900.00} ( payment increased due to escrow increase ), which they will I assume apply to XXXX 's payment, which will also hit our credit report due to be " 30 days late '' according to Carrington. So now, we will have two reports on our credit report showing " 30 days late '' due to their inability to apply payments correctly, along with communicate to XXXX  on the matter, even though I have given them proper documentation from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern : I had a loan with Nationstar Mortgage since 2010 I was selling my home and I missed 2 payments and had set up a repayment plan and paid the first of 3 installments. I had an offer on the house as it was for sale and talked frequently with Nationstar as we got closer to closing and even though I missed payment 2 of the payment plan I told them the closing date was just 15 days after the payment was due. Then XXXX XXXX from XXXX called to get payoff and all documents needed for closing, the day after that happened Nationstar all of the sudden put {$4700.00} in legal fees 5 days before closing after I had been in constant contact with them. No one from Nationstar or the Attorney themselves can justify what was done for the {$4700.00} XXXX also looked up my home and there was nothing started or posted about a foreclosure on my home. I have paid off this loan and am disputing with Nationstar about the fees but they are giving me the run around and are not providing any documentation as to what the fees went to. I admit I was behind but i was very open and honest with Nationstar and told them this was a done deal with the sale of the house and the way they conducted themselves and put the fees on right before closing was very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: DApps Platform, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by ETH Node which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIOT REPORTXXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX Inquiry Date XX/XX/2021 AND XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/2021

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 2023-10-13
Company: EQUIFAX, INC.
State: TX
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:
This is my 3rd time disputing this account with the creditor. The creditor keep adding and removing this account. Creditor reached out to me via email in attempt to collect on this account that has been sold to them. When I refuse to pay, they added the collection to equifax. 

I would like to remove the following collections from my credit report. 

Please apply these laws to this account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
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 made a debt request to XXXX XXXX about this account XXXX, i did it many time and then could not provide information about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted XXXX, TransUnion, and XXXX multiple times in 2022 XXXX through XXXX to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 

15 USC 1681 s-2 says you are a furnisher of information.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

These laws are very clear! 

I want this negative information and accounts removed from my consumer report immediately! 

I also have my submitted FTC report attached XXXX XXXX  {$7500.00} XXXX XXXX XXXX {$5900.00XXXX XXXX XXXX  {$560.00} XXXXXXXX XXXX XXXX {$1900.00} XXXX XXXXy {$5900.00} XXXX XXXX XXXX$4400.00} 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