BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a second mortgage with Nationstar that was removed through a chapter XXXX bankruptcy. The lien was removed and the recorded document of the lien removal was sent to me. When I go on to my Nationstar account, for my 1st mortgage I still have with them, unfortunately, I see the information listed below. When I call the collection company, they tell me yes the lien was released. " Do n't worry about what you see on your Nationstar Account, only you can see it, no one else. No one has ever called before about this. '' The customer service man also told me that the collection agency listed below is a subsidiary of Nationstar ( Nationstar IS a collection agency! ). I asked since they are related, would you please communicate to them to remove it. He told me he can not do that. He told me not to worry about it since it is no longer on my credit report - how did he know that? 

YOUR ACCOUNT HAS BEEN CHARGED-OFF AND HAS BEEN PLACED WITH XXXX FOR COLLECTION OF THE OUTSTANDING BALANCE. 
Note : the charge-off of your account does not affect your obligations under the terms of the Note and/or Security Instrument. 

Please contact XXXX to discuss repayment options at XXXX or email XXXXXXXXXXXX or visit XXXX online. 


LOAN NUMBERXXXXMATURITY DATEXXXX/XXXX/2037INTEREST RATE8.313 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past 3/3/1/2years. This error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: NJ
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed three complaints. Wells Fargo is the original service provide on my FHA loan. I fell behind and the foreclosure process began. My FHA loan was sold to XXXX. I completed a loan modification with XXXX. The foreclosure process was never stopped by Wells Fargo. Each complain Wells Fargo says they stopped the foreclosure process. However I recently received notification the process was stopped by Wells Fargo just a few day ago. 

In the pending complaint Wells Fargo stated they have not reached me. I spoke at length with their representative on XX/XX/XXXX. She provided me with the attorney who process their foreclosure. The attorney is listed on the notification with Wells Fargo. 

I attached the legal notice.

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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Capital one has a referral bonus for 360 checking accounts where an existing user sends their unique referral link generated in the app or website. The friend follows the link to open an account, and the offer is after 2 deposits within 75 days from account opening, both myself and my friend would get out {$50.00} bonus credited to the account. 
However, on following up, we were informed by capital one that they would not be honoring that as they have stopped the bonus program as of XXXX. 
Which is odd as I was able to pull up the link as normal to refer my friend. The page STILL states that you can get your bonus and nowhere is there any indication of that being paused. I feel deceived and misled because I would not have followed through with referring anyone had I known the program was paused. 
I called and spoke with both customer service as well as a supervisor informing them of their company misleading consumers, but they simply stated they would not be honoring that whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 111-290 - DATA BREACH NOTIFICATION ACT

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 2023-12-10
Company: Block, Inc.
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My boyfriend works at the XXXX warehouse and he used his discount to get me these items as a gift. My afterpay account was the payment method. On XX/XX/2023, I bought a XXXX airwrap and a living proof hair spray from XXXX using afterpay. My package with the living proof hair spray was received on XX/XX/XXXX in my package locker. My XXXX XXXX package did not update until XX/XX/2023 in which it said it was delivered on XX/XX/XXXX XXXX hours after the first package and that it was signed for. I live in an apartment complex in which the lobby does not sign for nor accept orders on our behalf and they have to come directly to us or place it in a package locker. I was not home at this time so if someone signed for the package it was not me. I called XXXX customer service several times to which they refused to refund or redeliver my order. They also told me to contact the delivery company. I called the delivery company ( Deliver-It ) in which they dont have a customer service department and only an online form is available. This company is also notoriously known for stealing packages! I decided to file a police report and got it approved. XXXX customer service was called again and I spoke to XXXX, a floor manager, in which she said she STILL would not be able to refund or redeliver my item as it still says it was signed for. EXCUSE ME? A signature does not mean that I signed for it? I explained this to them and how I was working and obviously not home so I did not sign it. It is the companys job to ensure a package gets to me! I also told them I have a police report to which they STILL refused to accommodate me! I tried to file a dispute with afterpay but they no longer have a phone number available and do everything online. The company had only three options, a cancellation, a refund request with proof of refund from the merchant, or goods not received option. I chose the goods not received option and was told that they could not do anything about it and to contact the merchant again. This whole process is ridiculous as my next installment payment is coming up on XX/XX/XXXX to which XXXX paying {$390.00} for something that I DO NOT HAVE!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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 sent credit bureaus letters since the beginning of XXXX. To this date, I have sent FOUR letters to EACH, which I let them know what the errors are. All the bureuas have done is change numbers in the accounts which are STILL wrong ( date of last activity, amounts, balances, last reported, date opened, some show open status but are collections etc. ) I still see everything on my report so I am reaching out to you, in hopes of resolving the issue and getting these accounts DELETED from my reports. I have attached my report so you can see exactly. 

I sent letters on XXXX XXXX XXXX XXXX ACCOUNTS WITH ERRORS THAT SHOULD BE DELETED. 

XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Phoenix Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services has sent me two threatening letters about a medical debt I supposedly incurred in 2015, almost eight years ago. Phoenix has failed to provide the address of the original creditor nor any verifiable evidence, such as an original bill, that the original charge was mine to pay. Further, I have confirmed with my insurance company that if the charge did belong to me, it would have paid the amount in full. However, it has no record that the creditor filed a timely claim, or indeed any claim at all for the supposed charge. 

There is no evidence that the supposed debt is mine. The original creditor was apparently negligent in its failure to produce a timely bill for its services. Now eight years later, Phoenix Financial Services shares in this negligence by failing to provide appropriate and verifiable information about the supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This dispute is related to capital one credit card dispute process. Due to previous 2 disputes I had with Capital One recently, I really had 0 confidence of Capital one credit card dispute process and dispute centers. Today, I disputed this 3rd transaction as a test to look into the capital one dispute procedures. 
This case is really simple. I purchased a biscuit turnovers from my regular grocery store state bros, and the label didnt label its cheese components and Im allergic to cheese. It never happened before since it always had a cheese in the item name in previous labels. State brother said they cant help remotely until i go to the store again with a receipt. And I chose to dispute since i dont plan to go to the store any soon. Since its a {$10.00} dispute, I wasnt expecting this much hassle.

I called Capital one and specifivially told the dispute center employee that I dont want to have the follow up providing documentation procedures since its useless per my previous 2 complaints related to 2 previous disputes ( a returned merchandise and a written promise of credit ), so please reduce the dispute amount to XXXX or make this dispute a final resolution. She never asked me if im disputing the full amount of {$1500.00} and automatically disputed the full amount. Because she did that way, the capital one system immediately prompted to ask for more documentation stage and I was really upset. I basically told her my number XXXX reason of calling is to dispute the {$9.00} to avoid the hassle of Capital one useless documentation investigation stage. I asked her to transfer to her supervisor, XXXX XXXX XXXX. On XXXX XXXX. 
XXXX confirmed in the call that Capital one dont ask are you disputing the full amount or partial amount, and it always assume customers disputing the full amount. XXXX explained its a master card guideline. I am definitely not an expert of XXXX XXXX  guidelines, but i know for fact that my XXXX XXXX credit card always asks me the amount im disputing and dont always assume its a full amount. I think its not intuitive to Not confirm the dispute amount with customers and its probably a loop hole that capital 1 always has. It is always to defaultly dispute the full amount unless customers offer to reduce the dispute amount. please investigate. 
and btw, i think im gon na lose on this case once again when it goes into the documentation investigation stage, like how my previous capital one disputes ended. This dispute is to further prove theres issue with capital one credit card dispute process. Its simply not an intuitive procedure, Illy designed and very counter intuitive. Automatically dispute to full amount? What kind of design is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
In accordance with the Fair Credit Reporting Act. The list accounts below has violated my Federally Protected Rights to privacy and confidentiality under 15 USC 1681. # XXXX # XXXX # XXXX # XXXX. 15 USC 1681A. States that 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 1691. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681b permissible purpose of consumer reports, The Law Clearly States : subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: MD
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:
Last year I moved from XXXX XXXX to XXXX  I registered my car motor vehicle department ask me the title for the car ask my XXXX XXXX XXXX to send a title to the XXXX Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of Maryland my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask XXXX to send them one year before I called XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending titles and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV XXXX XXXX when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can half payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving they also also inform the Equifax experian about my late statement anyhow I call XXXX  and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb too bad they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am not getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report experian is not willing to resolve my case because they always listen what XXXX is saying and even though i provided the documentary proof for extension still they are believing what XXXX is saying when I call them back and ask them like why you are not resolving and they said like XXXX are more trust worthy company than me they keep playing with my life still

Company response to consumer: Closed with explanation