BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had refinanced my mortgage which closed on XX/XX/2016. Nationstar mortgage company still has not refunded my escrow balance ( property tax in this case for {$1900.00} XXXX. I have been in contact with them since middle of XX/XX/XXXX, and each time representatives would assure they are taking a step, initiating the request, and so on. Their original excuse was that they sent the check to XXXX. I called XXXX, and they informed me that they received the payment from new escrow account but never received anything from Nationstar. I was informed that the balance was in the system, and that the check would arrive before XX/XX/XXXX for sure when I called before XX/XX/XXXX holidays. It never came ... After numerous phone calls lasting about XXXX min each time, the representative from yesterday said it would take another XXXX weeks to request the check but would try to expedite to be processed in XXXX business days, which means I would receive the check in middle of XX/XX/XXXX. I was upset and asked to speak to a supervisor. XXXX, supervisor, said he would investigate and follow up with me personally and get the check sent out asap. I really do n't trust anything they say at this point. I refinanced another property exactly at the same time, and the other lender sent escrow refund check to me in middle of XX/XX/XXXX. Nationstar Mortgage company should not take XXXX months longer than other lenders to refund escrow balance owed to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : TOYOTA MOTOR CREDIT XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Avant Holding Company, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company allows you to make a payment over the phone for your scheduled payment early. It then posts the payment to the date you made that scheduled payment on your account and never withdraws the funds timely. Then when the payment is drafted the original payment amount and date are removed and it is reprocessed under the scheduled date. For example, I made a payment on XX/XX/XXXX, it posted on Avant 's end in a few days with that date. However, it was never drafted from my account via XXXX. Then when my original date came around, the XXXX, it didn't show as pending until the XXXX and now the account shows that I never made the payment on the XXXX or the XXXX and isn't even showing on my online account. and I have accrued interest on all of that time between the XXXX and today. The customer service rep then told me that I needed to provide a bank statement to prove the funds were being deducted even though they show the payment on their end internally but not on my online portal. This company is basically gaming the system of interest and not posting XXXX payments made over the phone in a timely fashion, then removing them once posted, and forcing the customer to pay additional interest. This loan is advertised as having no prepayment penalty, but when I prepaid my monthly payment, this is what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
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:
There are XXXX incorrect fraudulent accounts in my report. I have sent many disputes to Experian and they ignore it, violating my rights.

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 2023-07-12
Company: Experian Information Solutions 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:
XXXX got a decision from your company they didnt like. when I disputed fraud charges now XXXX put charges of XXXX on a XXXX card, that was shut off in XXXX. When i filed the original dispute against XXXX dispute. 
Through experian they are lowering my good credit standing daily for a XXXX charge on a card that I did not authorize, on a card that has been turned off since XX/XX/2023. I turned off all 3 of my XXXX XXXX  cards in XXXX, and I notified all 3 credit reporting agencies the cards are closed. when I found fraud with their company with my XXXX XXXXXXXX XXXX   account. 
Experian knows the card was turned off when XXXX presented a false charge of XXXX. 
Experian is lowering my credit rating daily. On a charge I didn't authorize on a card I registered with then to be closed.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Since XXXX the company ClickLease, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, United States, ( XXXX ) XXXX, has been attempting with my authorization to complete a " Soft Pull '' of my Experian Credit Report. They have continually reverted to me with the following message ; 1. You may have a freeze or lock on your Experian credit profile. Please check with Experian to see if this is the case.

2. If there is no freeze or lock on your credit profile then there is most likely a typo in your personal information on your application. To resolve this please contact XXXX customer care at XXXX. 

Since that date I've been in multiple telephone conversations every working day with Experian because in fact there is no freeze, lock or any type of inhibition which would prevent an authorized potential creditor from completing a Soft Pull on my credit file. XXXX, has reached out to the technical department of Experian and they have created the following case file # XXXX I hope that you acknowledge therefore my just and fair frustration and anger that Experian has placed an unauthorized " Hard Inquiry '' on my credit file! I state that Experian alone is responsible and not XXXX because the latter did not request a Hard Inquiry be made on my credit file, nor did XXXX have my written authorization to perform a Hard Inquiry on my credit file has is required by the Fair Credit Reporting Act! 

I have raised this issue with Clicklease directly, however, they have not yet even had their original case file resolved, nor have they received the information from the Soft Pull or the Hard Pull! While XXXX will contact Experian concerning the Hard Inquiry, I as the consumer who's credit report now has an unauthorized hard inquiry on my credit report am adversely impacted has my credit score has dropped by three points and should I wish to approve an authorized and legal hard inquiry my probability of successfully achieving my goal is mitigated by the unauthorized illegal hard inquiry placed on my credit file due to Experian 's negligence!

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 2023-11-27
Company: Dave Operating, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted this company in regards to getting a print out of my bank records as I had been using the account since XXXX of 2020. I thought I deleted the account only to find that the account was still active. The representative claimed that although the account remained active since 2020 there were no statements. I advised that this was not possible and that had I not used the account they would have deactivated it. I do not know where my bank records have gone but they have just disappeared from the account for some odd reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The Bank of America still refuses to give me the cash rewards that it admits I earned. The sum is {$240.00}. I made a trip to its branch in XXXX, New Jersey and two trips to its branch in XXXX, New Jersey. The Bank of America marketed to me that the rewards program was " easy '', that redemption of cash earned would be " easy ''. Nothing of the kind! 

All I get are words and promises from the bank employees but no cash rewards! 

The cash rewards should have been immediately given to me. It is now nearly seven ( 7 ) days later and still no cash rewards given to me that now total {$240.00}! 

Is it that the Bank of America is so greedy for money that it refuses to turn over to me my cash rewards of {$240.00}! 

My fear is that the Bank of America shall because of my complaint to you close my accounts. That would be a most serious matter-an obstruction of justice and interference with government! Both are felonies!

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 2023-07-12
Company: Experian Information Solutions Inc.
State: FL
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.

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 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 2022-11-14
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld Systems Inc and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority.Transworld Systems Inc, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates XXXX XXXX 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Transworld Systems Inc which is a violation of code 18 USC 1028 ( a ) ( 2 ). Transworld Systems Inc obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Transworld Systems Inc and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Transworld Systems Inc does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Transworld Systems Inc is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Transworld Systems Inc that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Transworld Systems Inc has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Synovus Bank
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my XXXX credit report through XXXX XXXX and found an " XXXX '' account. I am not a social security recipient ( XXXX or XXXX ) and have never been one. 

I also found a XXXX XXXX XXXX that I did not open or make charges on appearing on the report. 

Finally, I found a " XXXX XXXX XXXX '' account for {$1200.00}. This is not my account and these are not my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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:
Beginning in XXXX, XXXX  my Identity and personal information was stolen. Both of my banks, USAA and XXXX, were hacked Into and an account takeover began, with all of my funds in both accounts were stolen in access of over {$100000.00}. Also, an auto loan in the amount of {$65000.00} and a credit card with a {$100.00} balance was fraudulently opened in my name through the bank USAA. XXXX XXXX identified the account take over immediately and credited my account back {$70000.00}. After 3 years of trying to get my money back and my credit fixed with USAA, I have run out of options. USAA has locked my out of my account, refuses to show any evidence of the crime after numerous of FTC reports and requests asking for them to furnish all evidence. A police report was filed. USAA continues to hang up on my phone calls and refuses to address all of the criminal activity that has happened to my. They refuse to acknowledge my account take over with both checking and savings account well over {$50000.00}, and the fraudulent auto loan ( {$65000.00} ) and credit card ( {$100.00} ) remain on all 3 credit bureaus. After locking me out of my accounts USAA kept over 4 months of income direct deposits into my accounts until I could get the transfers completed to XXXX. USAA is a criminal organization and must be held accountable for allowing my life savings and credit ruined. I need help. Much more information credible information is available and proof I had nothing to do with this crime. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: MI
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:
The account with PRESTIGE FNL with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has no payment history record in 3 Credit Bureaus. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory. 
PRESTIGE XXXX XXXX XXXX : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ALLY FINANCIAL 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 had my mortgage with XXXX  XXXX XXXX  XXXX for 14 years. Six years ago I went thru XXXX XXXX and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With XXXX I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However XXXX has continued to report my loan as closed and refuses to change that status. On Transunion and XXXX they would report it as closed XXXX  balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on XXXX that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely depressed and angry.

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 2023-07-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023. Someone hacked my XXXX account which in turned hacked my XXXX account and made 20 unauthorized charges through XXXX which was connected to my debit card. I immediately upon noticing it called my bank and reported the unauthorized charges. I then started receiving emails from XXXX and XXXX about suspicious activity. Then I received notice from Chase Bank that I authorized the charges through a text message that I never received. I went to a Chase branch and submitted documentation showing suspicious activity in my accounts and Chase is still refusing to give me back my {$3200.00} that was fraudulently took from my account. I have contacted them multiple times and they will no longer help me since they have denied my fraud claim. Pleae let me know how you can help me recover my money.

Company response to consumer: Closed with explanation