BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I got an alarm on my computer that it was locked down due to hacking and that I needed to contact XXXX security which I did. XXXX confirmed that both my computer and phone were hacked by someone in XXXX for a XXXX website. They had me give them Citizens phone number, which is my bank, and said they would connect me with the bank and to explain the situation to them and why I was calling from a phone that was not associated with my account. The bank confirmed that they had a XXXX charge that was scheduled to be paid within 2 hours to XXXX for accessing a XXXX XXXX and that they could not stop it because payment was authorized from my phone. I demanded they not pay this but they said they had no option other than for me to go out and buy cards from various vendors so they could allege double payment. I refused this option as I stated my phone was also hacked so the payment was fraudulently authorized. This transaction happened at about XXXX this morning. They confirmed they were speaking with me so why would they go ahead and process a XXXX charge to my account. Please help me out as I am at witts end. I have all the info on the XXXX person I was dealing with if you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: R J Baucum Enterprises, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Sent out cease and desist phone call letter, along with request for full validation XXXX/XXXX/2016. Received harassing phone calls as recently as XXXX/XXXX/2016. They have yet to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 follow items if information any other adverse item of information, other than the 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 had reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: FL
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:
On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX, XXXX, Equifax, and XXXX XXXX in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that XXXX XXXX has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Once again, Transunion is providing fasle information and furnishing it on my credit report. This is the three times this week and seven time this month. totalling ten times have had to deal with this.

At this point, they are falsifying information about me and my next today is to file a suit against them to compensate me {$1100.00} for each they have provided me with this information. I also, want them to pay for my attorney and for the fee to hire a credit repai company to help handle this. 
The lender XXXX XXXX has confirmed my amount due but transunion has reported several times on their montioring website incorrect amount dues and its affecting my ability to get funding. They are reporting now XXXX before it was {$5000.00} and it should be {$290.00} dollars. I filed a complaint that it shoild if been {$2000.00} but that was XXXX bill but by the time they respond it is another amount. 
I filed several complaints and it seems that they close out a complaint before the comsumer has comfirmed what they said was done was actually done. 
Nonetheless, this is very stressful and time consuming and its cost more money to actually get results I have submiitted the credit report, the bank statement as well as circled what is in questioned.

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 2021-07-11
Company: T.S. Holdings
State: FL
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 stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. XXXX XXXX XXXX refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. IQ Data International and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit acceptance charged an absurldy high price for a used vehicle. They refused to work with me in setting my balance and updating my credit 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 2023-05-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sir or Madam : The reason for me writing is to request your assistance in helping with my loan modification ; but am also in the middle of a foreclosure file by Nationstar Mortgage and request transparency to prevent any dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process. 

On XX/XX/2016, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX 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 2023-10-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank at Wells Fargo. My debit card and phone were stolen on XX/XX/23. I filed a debit card fraud claim ( Claim ID : XXXX ) on XX/XX/23, for unauthorized charges due to a stolen debit card. During the about XXXX hour time frame I was not aware I didn't have my card, XXXX attempted unauthorized transactions occurred and resulted in the loss of {$4800.00} from my checking account. I thought I had only lost my phone at first, but when I realized my card was gone as well I immediately called Wells Fargo customer service on my mother 's phone to cancel my debit card. I also filed a police report with XXXX XXXX Police Department which I will attach to this complaint. I will also attach my bank statement for the unauthorized transactions. I also changed my login credentials XX/XX/23. 

I was told the claim would take up to XXXX business days. I had to call Wells Fargo today ( XX/XX/23 ) to find out my claim was denied on XX/XX/23 and that {$1000.00} of the money I lost was not even included in the original claim because it was online transactions. None of the Wells Fargo staff I spoke to on XX/XX/23 thought to create a separate claim for the online transactions. One of the people I spoke to today ( XX/XX/23 ) had to create a separate online fraud claim ( Claim ID : XXXX ). Another XXXX business days for a claim that will probably be denied like my last last one. 

Another issue is that the amount the claims specialists told me I lost is not reflected correctly in my statement. The exact amount that I'm reporting was given to me by the claims specialists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
American Express has gone up on my interest APR blaming the economy. I have had this same card for approx 8 years and have NEVER miss a payment and I have been late twice in 8 years! A little over a year ago, my interest rate was 16 % and had been for all those years. several months back it AMEX jumped it up to the high 28 % to 29 %. I am not even making a dent on my balance when I make my minimum ( that sure is a I can do with the APR jumping so high ) while AMEX blames the Covid era and the fed up'ing the interest rate! None of my other banks are doing this. As a matter of fact, Most of my banks have been amazingly and shockingly HELPFUL with my interest rate and OUTSTANDING pay history! I guarantee, I have paid more in interest to AMEX than I have ever purchased using the card! Amex offers plans to lower my payment WHILE HURTING MY CREDIT!! How is that fair to a perfect pay history client?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: OneMain Finance Corporation
State: WA
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:
Account Name : XXXX XXXX XXXX- Has Violated My Rights privacy and confidentiality under 15 U.S.C 1681 Account Date Opened XX/XX/XXXX Account # XXXX Amount owed as of XX/XX/XXXX {$3000.00} On Record Until - XX/XX/XXXX Status : Collection account Past Due As of XX/XX/XXXX Notes : Status : Shows Closed on XXXX XXXX XXXX but Open on XXXX & XXXX which should be closed as well. 

Account Name : OneMain financial Hard Inquiry Date XX/XX/XXXX On Record until XX/XX/XXXX Status Never Resolved Notes ; I Call to have to inquiry removed and Company never filed the Hard inquiry Supression with all three Credit Bureaus to have this matter resolved never heard a response back after my dispute. 

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.

15U.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: Closed with explanation
Consumer complaint received 2020-03-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer however I never received any validation of the debt. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation of the full debt that is claimed to be owed. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Roundpoint mortgage took over as servicer on my mortgage. I sent the payment to the previous mortgage servicer who forwarded it to Roundpoint on time. XXXX dollar increase in escrow was paid once I was made aware. They refused to remove over 30 day late payment when the payment was not late.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: IL
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:
This is a not a duplicate complaint, I am a victim of identity theft and I have filed Identity theft police report and FTC report for this matter. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Account Number : XXXX is resulting from the identity theft that should be blocked. 

Please block and REMOVE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent item is circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information. 
Fraud account must be removed from my report 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 explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had Bank of America Master card for awhile, payment history always on time with automatic payment set up. 
All of sudden this XXXX without any notification the Minimum payment increased, so that my automatic payment didnt fulfil their minimum and they changed me late fees and interest. 
In XXXX I payed off the whole balance to avoid such charges inconvenience. The also charged me late fees and Interest which I think is totally unfair. 
BOFA mobile app is confusing to use and cant reach them through the Contact options Trying to contact the Customer service is unpleasant experience ; long wait time and unprofessional Another previous bad experience ( resolved ) with previous credit card through them ( XXXX issued through Bank of America they had calculation issues which they resolved after many calls and hours of waiting time, in addition they replaced the card to another different card that doesnt hold their name that I received by mail without information what the card is about which is unprofessional way to deal with customers.

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 2022-11-12
Company: NCB Management Services Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked to be placed on there. Do not call list multiple times they call from different numbers every single day at least twice a day and I mean every single day I have asked so many times to be placed on a do not call list because they have the wrong number. Please have them stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
account on autopay never late

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 2022-03-21
Company: PNC Bank N.A.
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
First of all, how did I end up with this PNC bank. I did not open an account or credit card with PNC. I have a credit card with BBVA. However, I closed my credit card with BBVA XX/XX/2021 and paid the entire balance. I only have XXXX bill going to BBVA that is why I closed this credit card. I have no Idea that BBVA bought by PNC all of sudden XX/XX/2021 I have received a statement from PNC that I have a balance of {$94.00}. I called PNC at least XXXX times. I spoke to different customer service people and they can't figure out why I have a balance. It's so frustrating, what a nightmare! I spoke to their dispute department several times in XX/XX/2021. I explained to them the entire scenario. They told me that they are going to submit my dispute but then it's just going into a circle nobody 's working on it. I wish PNC will go out on business.I keep receiving a lot of emails & text from their collection debt dept. this is not fair to me that i have to deal with this issue. XXXX  XXXX  XXXX  PNC!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Voss & Klein, LLC
State: FL
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:
Voss & Klein , LLC ( a collection agency ) continues to report a debt that is not mine to the credit buro 's and is causing me serious damages. They are claiming that I owe them over {$1700.00}. I have disputed several times and communicated multiple requests for validation and disputed the report. They don't stop! I ask for proof of the account belonging to me and why they believe that and I have nothing from them.

Company response to consumer: Closed with explanation