BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
For XXXX weeks now, with documented proof, XXXX has been manipulating my credit score, showing the available credit from XXXX to XXXX back and forth repeatedly, dropping my XXXX XXXX significantly, additionally they are mis representing my current credit score purposely in retaliation for me making complaints about incorrect information on my report, they continue to keep accounts on the report that have been proven as fraud, I had fraud protection with them when these accounts opened and they refuse to satisfy the contractual obligations in regards to the fraud, XXXX card, was opened via online portal using my information, I sent a police report and had fraud alert added on my file and they still attribute the account to me, they have no signature with my name and nothing proving the debt is mine XXXX XXXX XXXX XXXX XXXX I challenged this on my credit and my credit score remained the same throughout the investigation, furthermore, I asked for the contract and received a copy of it with a signature that said " XXXX XXXX '' I have repeatedly denied this being my auto loan, as it belonged to an ex girlfriend, I did not sign a contract or agree to a contract yet it remains on my credit report. 
XXXX. XXXX credit card, I had I card that was secured which I paid XXXX dollars for to build credit, they lied and manipulated my credit score repeatedly, I paid the card off and never received my XXXX dollars back, I closed the account in XXXX and it still shows up on my credit report with late payments into XXXX, I brought the bureaus up to speed on this and they refused to make any changes, I challenge companies information and the records stayed on 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 non-monetary relief
Consumer complaint received 2019-01-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called XXXX  's to pay off a credit card after an unexpected late fee. I explained my account should have been on auto pay which they agreed and updated my account for. I asked to waive the late fees and, instead of saying no, the operator gave a convoluted response, placed me on extended hold and then lied that she would help me and take care of the late fees. I agreed to pay the balance in full immediately but was deceived by the operator. The XXXX operator chose an arbitrary number to charge me which purposely misled me into thinking my debt was paid in full. Now, after being purposely misled by the XXXX  's credit department, I am being defrauded by additional exorbinant late fees and interest charges on the carried balance which I formerly agreed to pay and was lied to about.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: CO
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 by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : States a consumer reporting agency can not furnish an 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 conviction 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 explanation
Consumer complaint received 2018-06-03
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
They claim to be part of the Make homes affordable act. Basically we thought we had modification pleaded with nation star mortgage and we sent {$1500.00} XXXX. In a cashiers check from XXXX XXXX XXXX XXXX. We did not hear back from one XXXX XXXX in there XXXX California. So we called the XXXX XXXX Police Department the officer went over and his assessment of it was people moving in and out of the office and we tried to stop payment on the cashiers check with no help from XXXX XXXX XXXX XXXX. And since that didnt happen and we had a police report nation star. Nation star mortgage declined our modification our house with put up for auction on XX/XX/XXXX .We filed a Chapter XXXX bankruptcy to stop it. Then on XX/XX/XXXX it went up for auction again we filed our own chapter XXXX and stop the auction they had to go and get the house back. Then on XX/XX/XXXX another auction pro se bankruptcy XXXX had to go back and get the house back again. We have had some life events loss of job, XXXX, identity theft, XXXX XXXX, XXXX  XXXX, and now the house goes up for auction again in two days. I know its late in the game. I so wish that you could help me. All I want is to get my house back I have {$150000.00} of equity and nation star mortgage has depleted my escrow by paying three separate homeowners policies at the same time and they keep charging me for their legal bills and appraisals at my house. I get so much fishing mail emails that its hard to contain plus Im flooded with mail coming to my house. Ive also included photographs dot loop investigation of identity theft and fraud where XXXX XXXX wants to know what I want this is all part of my life events fraudulent activity in a venture I took in real estate to help me pay for my house cars etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 an unknown person hacked my XXXX account and took {$220.00} from my balance. Within 5 minutes they also opened a XXXX  credit card in my name and charged {$1700.00} to it. I immediately submitted a dispute for each to XXXX At that point both were still pending and could have been stopped but they never replied or contacted me. After 11 days I hadn't heard from XXXX at all so I called them. Since then, they haven't contacted me regarding the investigation to ask for documents or anything. Yesterday I was notified they are denying my claim and I will have to repay the money. I have not been provided anything pertaining to what they even did to investigate. If they checked the IP address they'd see it wasn't done by me. They are not being helpful at all.

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 2018-06-01
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was sold to Nationstar several years ago. I have had nothing but problems with them since. My husband and I have only social security as income. We live on a tight budget and emergencies can cause big problems. Got behind on payments and did a modification and was paying on time and early until we had a problem and got behind. Person helping me was no help at all. Never told me I could put arrears in a repayment plan. Instead offered another modification. I explained from the very beginning, when I was only a few payments behind, that I did not have internet and she needed to mail me the forms to fill out. I already knew the documents they would also need so I had them ready. After phone calls, voice messages and emails, six months later I'm told they don't mail paper forms!!! 
Now when I ask about repayment I'm told they looked into doing it in XX/XX/2018 but it was a year and I didn't have the amount available, whatever that means. I ask why I wasn't told about this and I'm told they only send a letter if I get approved??!!! 
This company is a mess and now I face foreclosure. I was never treated right and want to file a formal complaint against Mr Cooper and XXXX XXXX my dedicated loan specialist. Very poor quality work on my behalf. This should have been resolved within a few months as a repayment plan. 
Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: NC
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam, I previously had a credit card ( cc ) with Barclays card. With that said, prior to XXXX of XXXX, I was never late on my payments. My payments were timely and when I asked for a credit increase, the request was granted. 
In XXXX of XXXX, I filed a dispute for a charge on my account that was posted in XXXX of XXXX. 

I continually disputed the fraudulent charges without success via emails and phone calls. In addition, the link on the website was not working and every time I spoke to employees about Barclays link not working, I never received any hard copies of the paperwork. Again, I continually asked for the documents to be sent to me via hard copy, but I never received, and I brought this to the attention of Barclayss card, and afterward, it was stated that the disputes were in review, and to date, no resolution. 
To date, there has been no resolution on the disputes, and Barclays has reported on my cc three reports being 90 days late, one 60 days late, and one 30 days late for the same event. My understanding is that there should only be one ding on my credit report due to this all being the disputed issue. I called Barclays cc and requested the late payment notices be removed from my credit report and utilize the pay to delete and after being on the phone with XXXX, Customer Service for over 50 minutes then transferred to XXXX XXXX, Escalation Specialist, for about eight mins, all five late reporting are still on my credit report. Again, I called Barclays card on XX/XX/XXXX to request the items to be removed, but they stated they do not do a pay to delete, therefore the late statements are still on my credit report. 

In addition, I paid for my cell phone bill w my cc, and one of the benefits of having the cc was that if a cell phone was broken or damaged, I would get reimbursed for the item, which I never did even after filing the claim two times. To date, there has been no positive resolution on this issue either. With all of that said, I did pay off the original balance of {$600.00} and when I did, I asked for a pay to delete, which was not honored by Barclays card. Ultimately, I would like for Barclays card to remove the late reports on my cc, honor the pay to delete and not have my payment listed as a settlement. 

Thank you, XXXX 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 2023-11-08
Company: Experian Information Solutions Inc.
State: KY
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:
cfpb, XXXX, XXXX, and Experian are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, any information of debt, any student loan information, and previous address information pertaining to XXXX XXXX XXXX " ... privileged and confidential ... '' information pursuance to 5 U.S. Code 552 - ( a ) agency shall make available to the public information as follows : ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23

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 2023-09-12
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: JPMORGAN CHASE & CO.
State: TX
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:
To whom this concerns, JPMorgan Chase has not resolved a continuing issue that has been occurring since 2014, and actually caused issues where I was hired there and they ultimately declined me due to their " Security Scan '' Because of these checking and savings accounts that were opened ONLINE, as a result of identity theft. Here is the information I can provide to Chase Bank. Here 's what I know about these accounts. These accounts were opened fraudulently, there were two savings and two checking accounts opened all of which online and were fraudulent. Lastly there was credit card payments to the fraudulent credit cards from the fraudulent checking account. I did not make these credit card payments and I do not approve these payments. The checking account that was opened from identity theft, someone used to pay the payments to the credit cards that are also fraudulent as a result of identity theft. I did not authorize these checking account ( s ) nor Savings accounts opened online to be approved. These were opened fraudulently. I have never logged into chase bank because I don't have a username. In addition, I have not applied for any auto loans with your bank. These are fraudulent applications, which I have not approved nor accepted. Again these were submitted online and should be withdrawn. I want these Bank accounts and the username associated with the fraud to be closed out due to fraud. I do not have access to these bank accounts nor any access to the fraudulent credit cards that the bank chose to let the fraudulent checking account pay. These accounts were opened from Identity theft. Using an address I never have lived at XXXX XXXX XXXX, XXXX TX XXXX. At that time my Email addresses were hacked and My social security card and driver license were used. The Crook stole my wallet, and contained my email addresses. The thief also hacked the emails on file. I had to work with XXXX to get these reset. In addition, The thief opened other accounts not related to chase such as XXXX XXXX XXXX, and XXXX  XXXX at the same time as well. So it's not just chase this Identity thief opened several accounts all of which were fraudulent. All of these banks have taken care of the Identity theft BESIDES chase bank. I want to know what we can do to resolve this. I did not make any credit card payments to any fraudulent accounts. As stated the email addresses were hacked. I didn't submit any complaints to chase before these were done when the thief stole my email address as well. Please review and comply with my identity theft claim that these checking and savings accounts as well as the auto loan applications were fraudulent. In which I did not authorize and I did not authorize any credit card payments either to the fraudulent credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: MoneyLion Inc.
State: IL
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 opened a Money Lion account in Summer of 2018. The account charged a monthly fee, part of which was for the service and part was for investment. The company also offers {$500.00} loans to members. I took out the loan and repayments were to be made every two weeks, along with the membership/investment fees. These fees and payments were deducted automatically by Money Lion from my checking account. Money lion has never sent a statement or balance sheet, or any other written information regarding the loan or investment account. I made several attempts to contact Money Lion to resolve issues and questions but was never able to get a hold of anyone, and when I finally was the person had no information to offer other than canned responses. I noticed recently Money Lion has notated late payments toward the loan on my credit reports. I was never aware of the delinquent status and as far as I knew payments were being made as planned. I tried to contact Money Lion again but still had very little luck getting a hold of a live person, and when I did they again knew very little. I tried to pay off the loan balance online and instead of charging me for the loan, Money Lion made nine separate charges of {$36.00} on my account, causing me over {$300.00} in overdraft fees. When I finally was able to speak to someone to pay off the loan and close my account, I was informed that the {$36.00} charges were to bring me " membership '' up to date, and had nothing to do with my loan. When asked why that charge came through instead of the loan payment, the rep couldn't say. I paid off the loan with the rep and requested to close my account. I was informed the account couldn't be closed until the outstanding membership fees were caught up, so essentially Money Lion has {$300.00} of mine in an investment account that I can never get back unless I can pay the so-called " membership fees. '' I feel they are holding my money XXXX in addition to ruiing my credit report. 

I can't stress enough that I have never, not once, received a statement from Money Lion for my loan account, which by itself is questionable business practice. If I had received a statement, or any notification for that matter, the account woudl have never become deliquent. 

So no Money Lion is holding my money XXXX as well as my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: UT
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:
Equifax is double reporting an account on my credit report. XXXX # XXXX and XXXX XXXX XXXX # XXXX are the same account with a different account number. Equifax is the only bureau that is double reporting this debt illegally. I need this removed.

Company response to consumer: Closed with non-monetary relief