BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
I just waited roughly 15 minutes to get a representative on the phone at BoA. I typically have long wait times, numerous irrelevant recorded messages I am subjected to that prevent me from reaching a representative and enable BoA to avoid dealing with issues for the card. This is the second time I have tried to call someone there to block XXXX XXXX XXXX  XXXX from charging my card, this year. The representative I reached, who had a XXXX  XXXX accent, refused to take any information I told her. I told BoA last year to block all attempts by XXXX  to charge my card for an unwanted membership renewal and was told that it would. But it has not and it is inordinately difficult to reach anyone who will stop these unauthorized, computerized charges to my card. Neither XXXX, nor BoA will stop the charges. XXXX  is in bankruptcy and is trying to gouge whatever money it can from its one-time customers and BoA is complicit in the effort. BoA is unduly burdening its customers to stop unauthorized charges. It should have done what it said it would do last year when I called about the problem : block XXXX  from doing the same thing again. 

Please impose more serious, actually effective, sanctions than you have to date to sanction BoA and, if needed, credit card processors, who are abusing my credit card. It is probably the case that millions of people are being scammed by credit card processors, banks and others who think they can automatically condone and renew memberships for whatever the XXXX they think they can get away with. The default needs to be that no membership for loyalty should be allowed to renew unless a credit card holder specifically requests it. This should apply to all loyalty programs, including, in particular, XXXX. As things stand, everyone thinks they can automatically renew unwanted services and this predation should absolutely be prohibited at all times, but especially during the covid-19 pandemic and its immediate aftermath.

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 2023-06-20
Company: South Mississippi Collection Services Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello and thanks for your response. In your response you stated your office has spoken with me multiple times which is not true. May you please attach documentation of me calling your office and speaking with anyone in regards of a debt that I do not owe. I again do not stay in the state of Mississippi. This is going against many violations and I would love to see some supporting documentation. This debt is causing me distress and stopping me to provided for my children. Hopefully we can resolve the matter. 

The debt is from the following dates XXXX, XXXX2019 and XX/XX/2019 in the amount of {$590.00} and $ XXXX {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 previously submitted valid Identity Theft reports to XXXX XXXX, and Transunion # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my 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 2023-04-27
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX located in XXXX XXXX, named me as a Co-signer on a vehicle approved by Credit Acceptance. I did not sign nor was I informed about any of this. I have never purchased a vehicle at any Auto Dealership nor have I ever attempted to purchase a vehicle at a Dealership due to the unjust and life ending amount of interest Child Support and the XXXX as well as the XXXX XXXX system has attached to a monthly child support payment a incredibly bias Commissioner has ordered me to pay. The amount has exploded to a ridiculous amount as I was unemployed at the time this was apparently was written in stone. My license was then suspended by the XXXX. The amount owed is certain to automatically deny any attempt to assume the role of a Co-Signer of a vehicle loan. I currently do not understand at how this was approved. Yet at the time of XXXX to XXXX my information was attached to Credit Acceptance which was without my knowledge.

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 2016-01-20
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In 2015, I was approved to purchase a house. I never made this purchase. In XXXX of 2015, I decided to contact my current mortgage holder in regards to refinancing. I spoke with XXXX of Nationstar mtg. I was told it would n't be a problem and passed along to the closing coordinator XXXX XXXX XXXX XXXX. A couple weeks later I was contacted by the closing coordinator and told that we would be closing at the end of the month. I then asked the closing coordinator if I needed to continue making my mortgage payment, and she stated that there was no need to continue making payments and depending on exactly what day we closed I could possibly have two to three months before the first mortgage payment would be due on the new loan. I was eventually contacted by XXXX and asked why have I not made my mortgage payment. I explained to her the conversation that I had with XXXX XXXX, to which XXXX responded that this would probably keep me from getting the loan and that XXXX XXXX must be new and did not know any better. Since that conversation I have tried contacting XXXX XXXX and XXXX XXXX and I can not get them to answer the phone and they will not call me back. Now I have tried to get reapproved to purchase another house and I can not get approved due to the current late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Citizens Checking account in the month of XXXX expecting to receive a new account bonus by meeting the requirements. Terms state that the bonus should've been paid by the end of XXXX, 2022. Have not received the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: Action Collection Service
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls sometimes at inappropriate hours, leaving voicemails not identifying who they are or why they are calling. 
A XXXX search shows this number/company has been frequently reported and flagged. 
I am already receiving phone calls from a confirmed debt collector for the same medical debt. ( XXXX  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 fraudulent items reporting on my credit report and have sought remedy in multiple ways as this is so violating to have accounts and hard inquiries on my report that aren't mine. The most recent was when I sent an identity theft report to TransUnion certified mail with return receipt on XX/XX/23. It was received on XX/XX/23 ( per return receipt ). I called customer service on XX/XX/23 to confirm it was received. The man I spoke to told me that though it was allegedly received, it was not yet uploaded to their system and to call back in a few days. Totally fine. On XX/XX/23, I called THREE times. The first person said " we received your paperwork but can not remove the items because what you submitted was illegible. '' Unless my letter ended up in the Ohio derailment and caught on fire, then made it back to USPS and got delivered to TU, it was clearly printed 12-pt font and 100 % legible. The second person hung up on me. The third person said " we received your paperwork but we can not remove the account. We can only change the status to being investigated. We sent you a letter outlining all of this that you should receive in 7-10 business days. '' What I demanded in my letter to TU was not that they should " investigate '' but that they REMOVE the fraudulent items! I am dealing with the bank that issued the fraudulent account separately, and per 15 US Code 1681c-2, they must remove these items as it's severely discriminatory and causing me difficulty in obtaining new credit as I'm starting a new business, and the amount of times I've tried to get through to someone can help... I can't even count. This is my next effort to get through and hopefully get these FRAUDULENT items off my 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
I have not now or never tried to open up a bank account with Bank of America yet it shows a hard credit check on my account. This was not done by me Or for me by anyone

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 2020-07-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I contacted the bureaus in regards to my credit score dropping significantly and the amount of hard inquiries that were on my reports. I have contacted the bureaus about my concerns and I have a number of hard inquires on my reports that I did not authorize and they will not remove them from my reports which is hindering my scores. I also contacted them regarding my score dropping 90 points when there were no changes in my file. I would like this resolved and for the hard inquires to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a loan modification with XXXX XXXX XXXX through a lawyer and a specialist in modifications. Multiple meetings and all paper work was submitted and a final meeting with XXXX XXXX XXXX was held to approve the loan modification, and which was attended by a lawyer where XXXX stated the modification would go through. A few weeks later, XXXX had " sold '' the loan to Nationstar. Nationstar subsequently informed us that they do not modifications and moved to foreclosure on our house. We filed Chapter XXXX to stop the sale as soon as possible given the fact Nationstar suddenly moved against us, and filed a judgement against us and 100,000s of dollars of fees - this is after XXXX had already agreed to loan modification. In Chap XXXX, we have paid and agreed amount to a trustee which Nationstar has cashed. Nationstar has stated on the record that they are not allowed to do modifications. That is completely false, as Nationstar is required according to the agreement as filed with the SEC to continue any pending modifications. They have stated again that the " investor does not allow modifications. '' In discovery, Nationstar submitted the MSA " proving '' their case, regardless of the case that the sale of mortgages from XXXX to Nationstar required modifications. The MSA they cite as evidence ONLY states that modifications are not allowed according to Remic rules. But Remic rules DO NOT prevent modifications. 

Nationstar has completely falsified and lied about the situation and they are lying that are not allowed to do modifications.

Company response to consumer: Closed
Consumer complaint received 2021-06-25
Company: Experian Information Solutions 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 have tried disputing with all three credit bureaus and included police report as well with Federal trade commission report I have asked all three credit bureaus to send me documentation with my signature on what was allegedly owed and the fail to do so and ignored my request coming to cfpb is my last resort before i file legal actions against all three credit bureaus for not complying

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 2022-02-06
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My wages was garnished by a company called XXXX XXXX XXXX first back in XXXX I contracted the company on the behalf of the garnishment at that time I was informed that they have no record of me or an account showing I owe a balance. I checked my credit report and disputed the item and the item was removed per company could not provide documentation proving that I am the debt owner. As I check report the the debt is in a different name. I continued to contact company from XXXX in regards to the funds stolen from my wages as I am a single mother of 4 that can not afford to have a mixup like this. The company provided no help in getting me my funds back. As I contacted my payroll department they informed me that Messerli and Kramer is who I need to speak to. I have never heard of this company I have tried to contact the company but no XXXX they just was trying to get my personal information which also put up a red flag. So now that the item was removed from my report per lack of proof and also never receiving any documentation advising of the garnishment I have tried to contact different agencies to help with the fraud this company is doing. Recently my wages was garnished again by the same company after 4 yrs and I tried to contact XXXX XXXX XXXX  again but now the company no longer exist I am connected with another company which again I am informed that they have no record of me having an account nor owing any funds. I have requested proof of debt owing from company which does not provide proof of my address only but actual proof of me being the debtor which they could not provide. XXXX XXXX XXXX are no longer on my credit report but I was informed that there is a judgment which is not in my name but attached to my SSN. XXXX XXXX XXXX removed there inquiring in XXXX which is when the garnishment first started but some way Messerli and Kramer is collecting on an account that does not belong to me and refuse to provide proof. I have requested for this to stop per I have never received any legal court documents from Messerli and Kramer. I was only aware of this issue per the garnishment and my payroll department informing me of the company requesting and taking my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX continues to violate my rights under the Fair Credit Reporting Act. On XX/XX/2023 the were mailed a copy of my FTC Identity Theft Report, a final official copy of my XXXX XXXX XXXX  Identity Theft Report, a copy of my XXXX XXXX XXXX proving my legal address at XXXX XXXX XXXX Unit XXXX, XXXX XXXX, CA XXXX, a photocopy of my Social Security Card proving my identity and social security number, a photocopy of my XXXX XXXX XXXX / Real ID ( front and back ) proving my identity and my legal address, a copy Fair Credit Reporting Act Section 605B detailing their legal obligations. The fraudulent member / account number is XXXX. The amount owed/ charged off on this fraudulent account is {$500.00}. They say their " investigation '' determines the " I did open the account ''. They go on to provide a fake income verification letter, fake pay stubs, and several documents the copy and pasted foraged digital signatures as " proof '' that the account is mine. They are violating the law by not accepting sworn statements to the FTC and XXXX XXXX Police which by the very nature prove I am a victim of Identity Theft and that the accounts they have in my name are the result of this identity theft.

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 2022-08-17
Company: EQUIFAX, INC.
State: IN
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 XXXX XXXXXXXX XXXX account # XXXX and XXXX Accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX : the account number is XXXX : date opened XX/XX/2016

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 2016-01-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Paid off loan to Nationstar Mortgage when we sold house. The loan was in my parents name XXXX and XXXX XXXX. We all lived at the property as it was a house plus inlaw house. My parents passed away and were removed from title on property when they XXXX passed. My wife and I were also on title from beginning of loan as we all had put money into the house when we bought it. Death certificates were all filed and we continued paying the mortgage and paid off the mortgage note when we sold house. The escrow was closed with proper death certificates through our title company. A couple of months later we received mortgage payment refunds XXXX separate checks close to {$7000.00}. The checks were in the name of my parents even though house closed and there names were off everything. We called title company nationstar expressed returned checks and death certificates ( have copies of everything and a signed signature of acceptance by mortgage star from USPS express mail of documents and returned checks. Nothing since we closed escrow in XXXX. Funny thing can not talk to a manager can not get back to escrow dept. We could not of closed escrow without all paper work and death certificates being in order. All we keep hearing is need paperwork ( death certificates sent in they do not have paper work. ) Called constantly say they will transfer and you just get hung up on. I am executor of my parents will on and the bank wont even take there checks because my father is on the check and he died over 10 years ago ( his death certificates were filed also ) Help. I have all paper work. I just want my overpayment from them ( which they calculated incorrectly and we had almost a 90 day close because we could n't get a payoff statement from them!!!! Which cost us even more money. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TD BANK US HOLDING COMPANY
State: GA
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 a loan with XXXX/XXXX, XXXX XXXX, and NORDSTROM/TD BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX/XXXX, XXXX   XXXX, and NORDSTROM/TD BANK  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation