BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
National interviewer  XXXX XXXX put big banks on blast on national television saying that bank CEOs like XXXX XXXX ( Bank of America ) and XXXX XXXX ( XXXX ) did not offer customers and/or waive customers overdraft fees in XXXX during the national pandemic, especially since banks like BANK OF AMERICA got complete protection from overdraft fees from the Federal Reserve. 

I called in a few times during the XXXX pandemic regarding having my fees waived in XXXX and was only told I qualified for the normal 1 or 2 per year. I called in a few weeks ago on XX/XX/XXXX and asked about why they didnt waive all my XXXX overdraft fees again since the interview and the he said they only did it if you called in during XXXX about it. I told him did call in a few times during XXXX and no one waived all my OD fees. He then only offered me a credit of like 2 overdraft fees instead of crediting me back all my overdraft fees during XXXX because she said there was daily limit. 

Big banks like Bank of America received and got all typed of government breaks and aide and did not extend those same courtesies to customers like me as they should have. I am highly upset to know the CEO of this company was taking advantage of customers and profiting off overdrafts fees during a national pandemic, were many struggled. Where is his integrity and where is are my reversed over draft fees for the year of 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 monetary relief
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2023-03-13
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found in my credit report. I have identified several inquiries that were made without my authorization, and I believe that they may be fraudulent. I would like these items to be removed from my credit report immediately. 

The following inquiries were made without my authorization : XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX - XXXX date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX CXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - Inquiry date XXXX XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX Additionally, I have identified two accounts on my credit report that I believe to be in error. The details are as follows : XXXX - Account number : XXXX This account has a payment history despite being charged off. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I do not recognize this business and I would like this account to be investigated to ensure that it belongs to me. Please delete this account from my credit report. 

I understand that you may require additional information to verify my claims. Please let me know if you need any further details or documentation from me to support my dispute. I appreciate your attention to this matter and I look forward to your response. 

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 explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Ive been trying to dispute these accounts in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nation Star took over mortgage processing XXXX 2015. They have failed every month to automatically withdraw the payment from our account. Starting in XX/XX/XXXX, they have lied during multiple phone calls and told us the problem was resolved/fixed. They also promised to call back with information and the resolution and did not. They continue to phone all hours of the day and night -- past XXXX -- and mail saying the payment is past due. This suggests an intentional ongoing corrupt practice to be able to collect late fees, raise interest rates and foreclose on properties, epecially targeting senior citizens. 

To be fair, not all service reps were dishonest nor hard to understand. Several simply did not have the authority to resolve the issue. Nonetheless, those who did assured us the problem that they caused was fixed. It still has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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/XXXX, I was notified by XXXX that a dormant credit card had recently been reactivated. A XXXX XXXXComenity card with my name, but a different address was used to make a purchase of {$5900.00} on XX/XX/XXXX. I have a XXXX XXXX card that has not been used since XX/XX/XXXX. My credit report now has this fraudulent charge and address on it. On XX/XX/XXXX, I contacted XXXX XXXX/Comenity and XXXX to report the fraud on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-11
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is the third time I am reporting Nationstar mortgage to the consumer protection agency. My track record on payments have been bad due to XXXX layoffs and most lately expensive medical tests for my XXXX year old father, who lives with me. I am XXXX in arrears. I have tried to catch up by paying them {$1000.00} on XX/XX/2015,XXXX on XXXX/XXXX/15, XXXX on XXXX/XXXX/15 all of which has been returned to me with the explanation, that is was not enough. I just sent Nationstar, on XXXX/XXXX/15 a check for more than half of what I owe, {$6000.00}. I fully expect it to be returned to me. Then I will receive a letter from the prevent foreclosure dept. offering help in keeping my house. I need someone to take them to task for not working with me the way that they should. I am trying to get caught up to no avail. Please see if there is anything that you can do to help. Your involvement in the past has helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Resurgent Capital Services XXXX, has been falsely, reporting, negative information to the credit bureaus, claiming, that I owe them money. 
I have never entered into any agreement with them, ( legal or written ), I've never signed any papers with them ; however, this negative information has devastated my credit file. It has also been removed from my credit report on multiple occasions, but LVNV Funding will pick it up begin reporting it.

I have uploaded documents as to where I'm asking for proof of my own any monetary settlement, as we as proof of me owing them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
last year I filed a complaint concerning Nation Star Mortgage and documents they stated they never got ( cfpb case number XXXX. I was directed that they got the {$50.00} assumption fee but not required documents. I faxed them on XX/XX/2015 at XXXX, exactly what they needed. I got a credit pull and then a letter from research dated XX/XX/2015 Ref number XXXX. That was it never did anything and all I want to do is assume this debt. They had a freedom mortgage call for a refi/assumption but after today I found out that I was lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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  I, 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 any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 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 2021-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DP OF EDUC XXXX Balance Owed : {$4300.00} XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted Nationstar mortgage repeatedly regarding getting rid of my PMI, seeing as how the property meets the criteria. They informed me that I had two 30 day lates in the last year which I did not. I had one which was not late. I paid the mortgage on time but apparently there was a change with the escrow account that I did not receive any notice for. I am trying to contest that, but they refuse to call me back. I spoke to a supervisor named XXXX XXXX initially, and have left 3 messages for him to discuss taking off that late payment due to escrow discrepancy and going forward with my PMI removal. my first phone call regarding this matter was XXXX XXXX, XXXX no one ever contacted me about initial PMI request, which is why I asked for a supervisor and got XXXX XXXX XXXX XXXX who now refuses to return my calls regarding this matter. And even if they do n't remove the one late payment, that should n't have anything to do with removing my PMI. this is just a means to get more money by continuing to make me pay PMI when the property meets the qualifications for removal. Very poor customer service by not returning my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have look through my credit report and notice a lot of identity theft and fraud on my credit report I have sent letters certified mail ask each of them to validate all of these keep sending me receipts and they need to collect a debit which is not the original creditors the original creditors is sharing my info with alot of debt XXXX without my permissible purpose. I even got a return to sender mail back to me which is inaccurate information reporting also. So yes alot of debt XXXX are doing illegal activities.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX Amount Paid : XXXX Payment date : XX/XX/2023 I called XXXX XXXX advised when I paid the account this will be deleted off my account. The information has not been deleted on the credit reporting bureaus.

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 2015-08-11
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has refused to take my account off escrow because of a lapse in insurance coverage. I had Lender Placed Insurance! I asked them to provides me a copy of the insurance thy placed and they are mailing them to me. Attached are copies of my correspondence with them. It proves that I had insurance so they can take me off escrow now. They have lied and tried to deceive me since they acquired my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: OR
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:
I have not used that credit card for months or more than a year, they are charging a false balance, I do not owe a penny to that credit card, it is damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: Carvana Group, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I signed up for a loan on a car with carvana  with no down payment. I received the car and when reviewing the information it showed I had to pay a down payment. I called the carvana and said I could not pay the down payment and they said they would have to pick up the car since they needed a down payment. About three months went by and no one picked it up, and when they finally did I was told it was a repossession. I called XXXX the loan company which they were more than happy to help, but they are unable to since it was carvana who put it in as a repossession. I called carvana and they said that since it was out side if the seven day period they could not do that. I never agreed with the terms or loan agreement, and they refuse to change it from a reposession to a backoff at least. The loan terms were not accepted and not finalize due to not providing the down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My issue with Nationstar pertains to a 30 day late payment incurred on my mortgage for a missed payment for XXXX 2014. The late was caused by me being defrauded by a man named XXXX XXXX, posing as a licensed mortgage professional to refinance my home, who ended up stealing over {$4000.00} from me. He insisted that I not make my XXXX 2014 payment to Nationstar as the new loan at a 2.99 % 30 year fixed rate was going to close and funds would be on their way ( See attachment ). When Nationstar called me, I let him know that I was going to make the payment ; he insisted that he had later spoken to Nationstar and all had been resolved and a check was on its way to them. Finally when nationstar called me and told me no check was received I quickly made the payment. At that time I became suspicious and started to investigate the matter to find that there was no such refi loan in process I then discovered the individual was a convicted felon who had a history of defrauding people and had his Real Estate license revoked and had a cease and desist order against him from the Dept of Real Estate ( See Exhibit B ) He defrauded me by getting all my bank information and in addition to charging me for loan fees for this non-existent loan, he ended up using my bank account funds fraudulently and ran {$4300.00} worth of fraudulent charges. 

The XXXX XXXX County Deputy District Attorney 's office has also confirmed that XXXX XXXX XXXX has defrauded another XXXX people, for which they DA 's office is taking legal action against him ( see attachment ). As the DA 's office also suggested I also filed a law suit against XXXX XXXX, and got a court ruling against him ( see attachment ) The XXXX XXXX County District Attorney Special Investigations Operations Dept also took legal action against XXXX XXXX XXXX and arrested him. 

I also forwarded Nationstar my XXXX XXXX bank statements which showed that I had over {$35000.00} in my account at the time, which were more than sufficient funds to make the mortgage payment The late payment incurred on my Nationstar loan due to this issue was due to the fact that I was misled and defrauded. Earlier this year I brought this issue with Nationstar to remove the late payment and even sought the help of the CPFB. Nationstar however refused to remove the late payment and in turn to hurt my credit even more than legally permissible put a fresh new late payment on my credit report for XXXX 2014, whereas before this issue was brought up they were only reporting a XXXX 2014 late payment.

Company response to consumer: Closed with explanation