BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: NC
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 found a error on my credit report months back from a company I've never heard of or never done any business with I've never had a loan anywhere with anybody and I don't have any credit so use Experian to check my credit report and this is where I saw the era I disputed this with them as many times as they would let me I'm not certain how many times that was but they won't let me dispute it anymore I've done it so many times they refuse to listen to me at all and are listening to this fraudulent company named XXXX  that has somehow stole my information and created a bogus account in my name saying I owe them {$20.00} it's literally ridiculous and been the worst nightmare I've ever had to deal with considering Experian would not assist me in any way I contacted directly the company after finding them I had no idea who they even were to look up and took me a minute to find them and they are very fraudulent they are they gave me the runaround basically and they have asked for all of my personal information again like I would give it to them considering they stole it to begin with and wanted me to file a fake police report that I did not need to file it's just been an absolute disaster but I hold Experian responsible for going along with a fraudulent company and backing them up and letting them mess up my credit report for something that they know nothing about these people can not give me any confirmation or information of me signing anything with them reason being they don't have it Experian does not care they are still backing this company and I think that it's the most horrible thing I've ever witnessed that this is allowed and they need to be stopped

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 2022-01-17
Company: EQUIFAX, INC.
State: OH
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calls daily, seven days a week, from one of two XXXX, VA phone numbers. Calls twice or more, daily, and hangs up. I call back and get connected almost immediately to a call center where they try to force me to pay someone elses debt from creditors with whove Ive never had accounts. They call me multiple times a day, hang up, and then when I call back one of two people answers and they always give me a different random name for who they were trying to contact at my phone number. Theyve tried to get me to pay bills with cable and phone companies that only operate in places where Ive never lived. I receive these nuisance phone calls from these thieves every single day, despite having blocked their number every time that theyve called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days ( about 4 and a half weeks ) and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished in my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN General to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency PERMISSION to report anything on my consumer report which violates my rights as a federal consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-11
Company: T.S. Holdings
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I sent a dispute to the collection agency DataIQ. The dispute goes back a while before that with an apartment complex, XXXX XXXX XXXX The apartments attempted to include a number of charges that were not mentioned in the contract, one of which including a repainting charge. When asked for more info, I was told that there was {$67.00} charge for painting. The contract never mentioned this as being standard, and this was mentioned. While trying to resolve the issue with the apartment complex and asking multiple times for some kind of proof of damage and repair, nothing was given and they instead sent the charges to DataIQ. From the first call with them, they have been mean, pushy, disrespectful, and have tried to intimidate me on multiple occasions. I ask for more info on what they mean by something and they hang up, I ask for more clarification and they change the subject. I was eventually pressured into paying the now $ XXXX ( due to interest ) due to them intimidating me with no time to actually put together a response. I sent my dispute in XXXX stating the legal obligation the apartment has in providing proof, including several laws and court decisions from the past which show that the burden of proof is in the apartment, not the tenant. It was not acknowledged and nothing was communicated about it. I have sent two separate emails to ask about the dispute and no response was given. Today on the XXXX of XXXX, I tried to call to get more information about it. The agent on the phone was very rude, said I paid the debt so my account is closed and theres nothing she can do about it. I asked if there was someone else I could talk to and she said no. I asked what we can do about it because the charge was unlawfully made, and she said it doesnt matter what I think because they closed the case and there is nothing I can do. She offered a mailing address or a fax number and I asked what those were for and she said if I wanted them I can call back but she had work to do and hung up the phone. 
Not only have they been hostile toward me in attempt to get the money, but they are also hostile when I try to right a wrong done against me. They offer no means of correction. They have intimidated me into making a quick decision and they are intimidating me again now that I question the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage with Nationstar Miortgage in XXXX 2015. When I called to find out what the final payment was I was informed to send a few XXXX dollars more to cover additional interest that might be due. I was sent a refund check on XXXX/XXXX/15 for {$330.00} which bounced when I deposited in my bank. I was charged a {$12.00} returned item fee by my bank. I have contacted Nationstar numerous times and was told that the check would be resent to me. Finally today I got an email from the supervisor that I spoke to who now states that someone tried to cash the check twice and that if given approval they will reissue a check. I do not understand how a financial institution can bounce a check. In addition I have not received the Satisfaction of Mortgage document which I am now told it is my responsibility to obtain. I have had numerous mortgages and I own a number of homes and have never heard of such a thing. I am always sent the document as soon as it is recorded for which a fee is charged. I do not know what else to do to get the money that is due me and the document that I need to sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan is greater than five years old and I have greater than 25 % equity in the property. As such, I no longer need to pay Private Mortage Insurance. I have informed Nationstar of this fact and they just drag their feet in responding to my questions. They are making me use one of their appraisers at XXXX the cost of one I can easily find. My appraiser is licensed, just like theirs. 

More importantly, they do not return phone calls and/or do not respond to emails at all. When I call in, I either get transferred all over the place or I am put on hold for an extremely long period of time. Today someone called me, I gave them my information, and they hung up on me. Nobody will answer my questions about how to remove PMI from my monthly payment, nor will they answer questions about what appraiser they use in my state ( CA ). If I am forced to get an appraisal, I should be able to sue any licensed appraiser I want. Not one of theirs who will price-gouge me. I think Nationstar Mortgage is dragging their feet because they have no incentive to eliminate my PMI ( less money for them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
This is my fifteenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00}

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 2022-10-18
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My NFL Extra Points Visa credit card with Comenity Capital Bank features an advertised benefit of 0 % interest of purchases over {$250.00} to pay for XXXX tickets, which is clearly stated in the terms and conditions of the cardmember agreement. 

My season tickets with the XXXX XXXX are eligible transactions under those terms and conditions and were charged to my card in 4 equal monthly installments ( @ {$2500.00} each in XXXX, XXXX, XXXX, and XXXX. ) Only the first transaction ( in XXXX ) was placed in the 0 % promotion correctly. The subsequent transactions were treated as normal transactions and have been accruing regular interest. 

I reported this issue after receiving my XXXX statement when the 2nd of the 4 transactions ( made on XX/XX/22 ) was not reflected on my statement as being in the promotion. I was told a dispute would be opened and resolved within 90 days. I never received any acknowledgment the dispute was opened. On XX/XX/22 ( beyond the 90 timeframe ) I called again to check the status as I received no communication as to the resolution of the dispute. I was told it was " never worked '' and that a new dispute would need to be opened. I again have received no acknowledgment of a dispute or been contacted about it, to date. 

For the last 6 months I have had to manually calculate my true balance owed and pay that amount each month by paying my entire monthly statement balance minus the transactions that should be on the promotion. Each month the interest is continuing to accrue and compound. This has also resulted in Comenity mis-reporting my account status to the Credit Bureaus with a monthly revolving balance when in actuality I have been paying off every transaction made that month in full. This is now negatively affecting my credit score. 

Transaction Details : XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was correctly treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] As of today, after my most recent statement closing date of XX/XX/22, I have been incorrectly charged {$1200.00} in interest. 

In addition, those same 3 transactions that were not correctly treated as promotional balance transactions also were not given the advertised 3x rewards points that XXXX team purchases are eligible for, as outlined in the terms and conditions of the cardmember agreement. They each received only XXXX in rewards points instead of the correct XXXX they each should receive. That is a difference of XXXX reward points that are due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX AND XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX  ( Original Creditor : IXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}

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 2023-03-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I went to a trip to the XXXX XXXX and for the first time, my wife lost her passport and we went through multiple adaptations to deal with it and it cost a lot of money. The XXXX system usually helps with transfers Immediately and upon arriving late, the hotel that is supposed to be 5 star, refused to transfer our room to the adapted date. XX/XX/XXXX I call american express to call it a fraud and unauthorized charge and they said no, it's an insurance claim for a small {$500.00}. This doesn't cover the actual charge well over this amount. The actual charge is attached. The charge never says the hotel is non-transferrable. It says non refundable and the hotel said they would've taken the transfer if they heard the day before, but they never answered the phone and hotels.com even tried. What I mean by that is they take the call but say the " person who can help isn't here right now .... '' XXXX didn't try hard enough again until monday after the friday start of the room charge. I never used the room and XXXX and the hotel misrepresented themselves as a fraud. XXXX in the past would've offered me immediate service and they failed this time. The hotel acted like a 2 star and not a 5 star. On an added note, the centurion club in XXXX airport is half the size for what's appropriate for one of the biggest airports in the world. I couldn't go in there because there was an hour wait and I wasted money on dinner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After I lost my foreclosure, I was shocked to learn that XXXX was actually the owner of the note. They purchased my home at a Sheriff 's sale. During the course of the appeal, I tried to get in contact with them, to let them know that as a surviving spouse I was never even given the loss mitigation package which is supposed to be standard. I was actually not given any information about this loan, because I did n't sign it. They emailed back and forth with me, and finally said they were going to do additional research, because they did n't have any record of my account/house/mortgage. That was in XX/XX/XXXX and I never heard back from them. So, yesterday, the sale was confirmed. I just wasted another {$7000.00} in legal fees, I guess. If nothing else, I ca n't understand why they wo n't just open a line of communication and tell me what their plans are, so I can stop worrying about their " property preservation '' goons. Those people leave these tags on my door, which have instructions to call a number, but they wo n't call me back. When I did get an answer, last year, it was Nationstar, and they refused to even speak to me. ( because I 'm a surviving spouse. ) It 's so frustrating. Why do they have to be so rude? And do everything in such a rotten, scary way? I do n't want to come home to a padlocked house, and have my things all torn apart. I 'm seriously worried about that now. What 's going to happen? This has been 8 years of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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 have sent dispute letters to you regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know you did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Mom did a reverse mortgage and she just passed XX/XX/2015 now the reverse Mortgage company Champions is not giving me time to get the proper documents in order to buy back home, I ask for an extension. Its only been a month I do n't even have a death certificate yet. The will has not been probated. My god these people are very insensitiveto helping us to keep home. They just want to foreclosure do n't they need a death certificate to prove a person is deceased. And give the family time.

Company response to consumer: Closed with explanation