BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have contact all three credit bureaus ( XXXX, Equifax, and XXXX ) about a number of accounts. The first contact, I was advised they verified the account and they provided no proof of how these accounts were verified. The following XXXX letters ( XXXX, XXXX, and XXXX ) I requested for proof of what they used to verify these accounts and they have failed to comply with that request. They all have sent the same computer generated response and that was that the accounts were verified. I do not believe these accounts were mine because I have contacted the original creditors and they advise they didnt have any information. So I am now asking the CFPB to assist me with getting this resolved since the bureaus arent willing to help. 

The accounts in question are : XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX. Account # XXXX XXXX. Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Citi / AAdvantage Platinum Select World Elite Mastercard on XX/XX/XXXX. The application system said that, if approved, I would receive a temporary card number to use the card. I got approved but never received the temporary card number because of a glitch in Citi 's system. 

I called Citi, and the customer service representatives confirmed it was a glitch. Citi mentioned ( on a recorded line ) that new cardholders are not getting temporary card numbers, that they have IT checking the issue, and that for me to use ( or cancel ) the card, I would have to wait for the actual card to arrive, which would take from 7 to 10 days. I got this card because of a promotional offer ( a {$250.00} statement credit ) to buy American Airlines plane tickets, and waiting for seven days would defeat the whole purpose ( as prices would increase ). 

Their current system is deceiving and ( in its current state ) lies about how they conduct business practices. I believe, from their admission on a recorded line, that this issue has happened more than once and as such could be considered deceiving business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: OK
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXXXXXX XX/XX/XXXXXXXX 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 2018-03-02
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have received notice from Nationstar Mortgage ( now Mr Cooper ) over the course of the past two years that my loan was In default Eligible for modification Approved for modification In foreclosure Despite several attempt to have them clarify in writing what the correct status was, we instead have received responses that do not specifically answer but only perpetuate the situation. 

As we actively tried to seek clarity, out loan was transferred to XXXX XXXX XXXX who we appealed to as well. They provided us a response that contained information ( that they received from Nationstar ) that contradicts our records. 

In our correspondence with XXXX they have not mentioned the foreclosure status, so we question if Nationstar had given them accurate information about the status of our account now and also at the time our loan was transferred. 

We have recently sent a notice of error resolution and information request which we sent copies of to Nationstar ( now Mr Cooper ) XXXX XXXX XXXX firm ( representing Nationstar ) Your agency. 

We DID NOT attach documents because they do contain personal information. We can send what ever you need to help review our complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Bank of America representative kept me on the phone on and off hold for almost 1 and half hour, their billing system was not functioning. I have tried since XXXX to set up auto pay and their system has not been functional. They charged me late fees as a result and refuses to refund the fees even after confirming that there was in fact an issue with their billpay system. 

The manager I spoke with XXXX XXXX XXXX transferred me to her manager XXXX who hung up on me after talking to me as though I was his child. The overall customer service experience was very sad and distasteful. Our account inappropriately charged a late fee after confirmed issues with their system.

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 2021-10-23
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was placed into forbearance without our permission or us asking. We did not ask for a change in our terms nor did we sign anything giving permission//MORTGAGE FRAUD- Help! They offered on XX/XX/XXXXthey offered to just pick up where we left, we NEVER got any such letter, I checked in with the AGs office thats how I learned same but it was too late at this point! The AGs office could not of cared less! I need help! Please! Im on XXXX  XXXX from side effects of XXXX and XXXX XXXX cant handle this XXXX!!! Please 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 2018-02-21
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, Bank : Nation Star Mr. Cooper. Loan : XXXX On XXXX Trial period Flex Modification Program- First step qualifying for Permanent loam modification. 
1st payment {$1900.00} Made in XX/XX/XXXX 2nd payment {$1900.00} Made a Incorrect payment for {$2400.00} in XX/XX/XXXX Payment was put on hold. The bank called to confirm the payment was okay. 
The payment was not apply to mortgage. 
Please Help me ... ... ... ... ... ... ... ... ... ... .... 
Please Help me ... ... ... ... ... ... ... ... ... ... ... Nation In XX/XX/XXXX WAS TOLD MY HOUSE IN FORECLOSURE- Due non payment. 
The law firm XXXX XXXX XXXX XXXX dated XX/XX/XXXX for {$170000.00} Debt Collector I called Customer Service XXXX XXXX 3rd payment {$1900.00} to paid on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a response to Complaint # XXXX. This is a response to the violations that where violated within the Auto Contract/ Consumer Transaction. This complaint is going over some of the violations and pointing out the laws that where broken. In USC Title 31 Section 3123 States that '' The Us Government has an obligation to pay 'dollar for dollar ' principal and interest in legal tender ALL DEBTS accrued by the American People '' ( which I Am an American Citizen ) My Social Security belongs to the SSA and any transaction in regards with my social security pays for whatever it is being used for which clearly it was used in the attach documents below stated in TRUTH IN LENDING 15 USC 1601. BEST XXXX XXXX XXXXCAPITAL ONE falsely misrepresented in stating that they are the Seller-Creditor. 15 USC 1602 TRUTH IN LENDING Definitions and rules of construction states " A Creditor refers only to A PERSON who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required ( which in this case was Me, I was the one who extended the credit. I ask Capital one to send a validation of debt breaking down all fees and charges. They didnt send the Finance Charge breakdown. Also XXXX XXXX XXXX XXXX CAPITAL ONE never disclose to me MY RIGHTS OF RESCISSION ( 15 U.S. Code 1635a ) which is a violation of Truth in Lending, this makes them criminally liable for willingly holding out this information and civil liable which is double the FINANCE CHARGE ( {$8000.00} ). ALSO within the first letter i sent i ask to cease all contact and for them to stop reporting to the credit bureaus until all matters are handle and they have not yet accept my wishes i still get calls text messages which is harassment and consider a civil violation as well under 15 USC 1692D!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 to Transunion letters from the Bankruptcy Courts in the District of Minnesota and Western District of Wisconsin showing that they had no bankruptcy records under my name, SSN and DOB. Transunion claims that it verified both records as belonging to me. I then contacted the courts once again to figure out the discrepancy and the clerks from both courts stated that they do not communicate with consumer reporting agencies. I requested Transunion to provide me with contact information of the individual who verified the records especially when I have submitted letters directly from the courts. Transunion has been unable to provide me with the information requested. Transunion continues to violate the FCRA by reporting the bankruptcy records when the court records show that there are such no records

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX I submitted a dispute to the bureaus to remove unverifiable information. Per the FCRA 609, it states the Credit Bureaus must verify ALL information received from creditors BEFORE placing it into a consumers credit file. This means that they must have the ORIGINAL SIGNED DOCUMENT from the creditor before they can report it. They have not responded nor have they provided " verifiable '' proof beyond the scope of what was reported to them in error. The FCRA states to legally report anything the bureaus must possess the original contract. They have failed to produce this to me or respond in 30 days so I am demanding they remove the " unverified '' information.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I submitted a letter to transunion to correct an error they are reporting on my credit report- they have yet to correct it or respond and this is a serious reporting error that is damaging my credit. 

Ive included the copy of my credit report showing thy are reporting an incorrect payment status on a closed/paid in full account. 

They need to correct the payment status to " PAID AS AGREED ''

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 2021-10-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I pulled my 3 credit reports and I sent 3 letters to Equifax, XXXX and XXXX on XX/XX/2021 to verify accounts with original creditors that these accounts are reporting 100 % without errors or delete them. I recieved no response from all 3 credit bureaus. Then on XX/XX/2021 I checked my credit report and I see nothing is reported in dispute, which i have uploaded and I sent followups letters to all 3 credit bureaus ( Equifax, XXXX and XXXX ) that the information must be deleted from my report as soon as possible, since they didn't respond to my 1st letters, which is a violation because they didn't start an investigation and they did not respond to me at all. and i wrote on the letters to remind them " Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. '' Then againI pulled out my credit reports and still no disputes and they didn't respond to my 2nd letters so I sent warning letters 40 days after the second letter on XX/XX/2021. In till this day they have not responded to me. I want them accounts deleted now since they chose not to investigate them and since they didn't respond to me at all which is against the law. That is the issue I'm facing and I ran out of patience, So please help me ib this matter Thank You, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: In progress
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
" ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) in general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: In progress
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: AL
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:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Received a letter from M & T Bank, stating that they are closing my account. Reached ou to them, but they were mute on the specific reasons in doing so. 
The following are the facts : Open the account about 8 months ago. NEVER have I submitted a false check deposit. Maintain a balance of about {$4000.00}.

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 explanation