BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Several transfers were made and we ended up with Nationstar Mortgage company. Spouse passed away suddenly XX/XX/XXXX and I continued to pay the mortgage installments until the property was sold in XXXX. The sale price was based on the monthly online statement received. There were also several advertisements offering to refinance the loan. The amount outstanding on those offers matched the online statements. It was not until the sales contract was prepared that another {$4900.00} ( deferred interest ) was tacked on. Because of this add-on, I had practically no " gain '' from the sale of the property. I believe this is unfair because it should have been included on everything I had received or viewed from Nationstar during the 2 year period I was paying the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-28
Company: AMERICAN EXPRESS COMPANY
State: NM
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir or Madam : I am writing on behalf of XXXX XXXX XXXX in regards to the four ( 4 ) airfare tickets he purchased using his American Express card in XX/XX/XXXX. The airfare was to travel to XXXX, XXXX, departing the US on XX/XX/XXXX. Upon purchase XXXX XXXX understood that if there were restrictions in XXXX due to COVID he would receive a full refund less cancellation fees. XXXX XXXX also understood that if flights changed significantly he would receive a full refund. 

Both events occurred. 
At the last minutes, the time of departure was changed by almost 12 hours. This created a conflict due to a previously scheduled doctors appointment. XXXX also announced a strict 14 day quarantine for any arrivals. XXXX XXXX contacted XXXX XXXX and initially had difficulty receiving the refund. He then disputed the charges with his credit card company, American Express. After trying to work with XXXX XXXX he finally received communication from them stating that he would receive a refund if they release the credit card dispute. He did so on XX/XX/XXXX yet American Express has not refunded any of the travel expenses. 
An email from XXXX on XX/XX/XXXX informing XXXX XXXX that they can not process the refund until he provides confirmation from the credit card company that he has withdrawn the disputed charges. It specifically says Once we receive the withdrawal letter is when we can take further action to process the refund. XXXX XXXX removed the dispute, but for almost 2 months XXXX XXXX refused to issue said refunds and also sent the charge back to American Express to be billed. At this point, American Express refused to help any further, even though we told them that XXXX XXXX refused to help us. We think it is unethical of American Express to provide us no protection at all in the time of COVID, and we solemnly request a full refund of {$3300.00} from AMEX back to XXXX XXXX instead of sheltering the unethical company XXXX. Please help us to recover our funds from AMEX. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : DP OF EDUC XXXX Balance Owed : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was falsely accused of harassment by XXXX XXXX a neighbor of mine. Then she bought my situation into wells fargo slandering me to everyone. She is the one harassing me by turning it around on me & wells fargo believes her. Wells fargo says they don't handle domestic disputes. Well, they listen to her lying mouth and close my new account. This was the whole point to have XXXX XXXX  send me a hostile threatening letter. I will always claim I never harassed XXXX or XXXX XXXX. She purposely brought herself to the XXXX XXXX location to falsely accuse me to the police. Well, the police didn't do anything to me either. Because they saw I was talking to a banker about my new account. They can testify that I wasn't harassing XXXX XXXX. She was in the back with the other female employees laughing at me. She tried to set me up but failed. She was coming around me all the time. The harassment charges were dropped against me when I hired a lawyer. But she had them other XXXX XXXXXXXX XXXX me so she could be in there. I had no idea that she was in the bank. Wells fargo still chooses not to believe my side of the story. They said it themselves why my new account was closed right after it was opened. 

Then to further torment me and my son. They use her for the XXXX XXXX XXXX  helping widows of the fallen military! She is such a victim of me they made her district manager director of the XXXX XXXX XXXXXXXX. Then putting her on t.v. and their website to outrage me and my son. I will always be angry for how I was treated unjustly by wells fargo. Never listening to my side of the story, and always believing XXXX XXXX word over mine. 

XXXX XXXX didn't like it cause I reported their drunken party friends parking all over my yard in front of my house and throwing the trash. XXXX and XXXX never had any respect for their neighbors yards especially me! Then one of their friends did a hostile gesture backing all the way into my yard and skidded out of it leaving deep skid marks in front of my house and grass. This is what started all the problems with XXXX and XXXX XXXX. Then she wanted me to be charged with harassment with the police knowing good and well she was harassing me. 

Then XXXX XXXX brought the situation into wells fargo & slandered me to them and caused me to lose my checking account. Because she doesn't think I should have anything. Well, she doesn't have the right to dictate to me what I can or can not have! I had someone fix the fiscal board on the front of my house. I can see the evil coming out of them! 

Then they thought they would befriend the police against me. To ruin my life to where I can't get a job or to be able to have anything. It's not up to the XXXX what I can or can't help. XXXX XXXX didn't even want me to have a checking account.

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 2021-05-28
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: Their investigation did not fix an error on your report

Complaint:
I previously submitted documentation regarding Identity Theft. I have attached them again. There are accounts on my credit that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I previously filed an identity theft dispute regarding accounts on my credit reports that do not belong to me. I have attached the documents.

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 2021-10-27
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:
I recently refinanced our our home and part of qualifying for the best rate the mortgage company used Equifax to investigate my credit. My score came back at a XXXX which is less than the XXXX I needed to obtain the best rate. The reasons stated by Equifax for my score were : SERIOUS DELINQUENCY PROPORTION OF BALANCES TO CREDIT LIMIT IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS LENGTH OF TIME ACCOUNTS HAVE BEEN ESATBLISHED TOO MANY INQUIRIES LAST 12 MONTHS I have attached my credit report from Equifax and there are no records showing delinquent and the only hard inquiry in the last 12 months was the mortgage refinance I was applying for at the time XX/XX/2021. 

I disputed the credit score through Equifax 's dispute process twice and asked Equifax why the I got a score of XXXX. Equifax dispute XXXX and Equifax Dispute XXXX. 

Both responses from Equifax just said they would pleace my consumer statement in my credit file. They did not answer my questions as to why my score was XXXX and the reasons they originally stated are not reflected in the credit report they provided me as the consumer. 

I am looking for the answers and an adjusted credit Score. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My ex XXXX XXXX XXXX added me as a user in one of his credit cards. I never approved or used this card and he didnt pay on it and now it shows on my credit report. I called the credit card company and they said they couldnt remove me. I never got how he was able to Just add me and now Im more XXXX  with more of His debt without my permission.

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 2023-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I really didnt know too much about checking my credit but when I did I found 2 fraudulent accounts on my report which is XXXX XXXX XXXX  fraudulent amount is XXXX and also XXXX XXXX XXXX is fraudulent amount XXXX I have no knowledge of either one of these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: MD
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 am XXXX XXXX XXXX and I am submitting this complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to three credit bureaus Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for these accounts? Please help me correct these accounts immediately : XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$570.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
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 a XXXX Balance and Closed Account with XXXX XXXX, as of XX/XX/2021. 
On XX/XX/2021 XXXX XXXX of Obudsman and XXXX XXXX  XXXX reported a Negative Remark to XXXX, impacting my credit score -54 points. 
I NEVER disputed my XXXX  Credit Report during the previous months, so why did XXXX or XXXX add Negative Remarks to my XXXX  Credit Report?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have applied the starwood preferred guest business credit card with XXXX bonus star points after {$10000.00} spending within 3 months after approval. I have met the spending requirement, but never got the bonus points. I have tried to call american express several times, each time the representative said he/she can see the bonus term in my account and it will be posted soon. However, after several months and multiple calls, I still have not seen the bonus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On Tuesday, XX/XX/2023, I called Bank of America to inquire about a financial hardship for my car loan ( {$680.00} ) for the month of XXXX. The account is up-to-date with payments, which means I make my monthly payments on time. I sometimes pay more than what's required. I was denied a financial hardship or payment deferment. On Wednesday, XX/XX/2023, I called Bank of America to find out the reason for the denial. I was told that " a system '' generates the approval or denial. It appeared that Bank of America 's representative could not affirmatively give me a legitimate reason why I was denied a payment deferment. I am never late on my car payment and I have had the loan for over a year.

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 2023-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: NY
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 formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief