BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX 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

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 2016-08-12
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XXXX, I have started with assisting a client with the process of his short sale. From the very beginning I have advised the servicer that there are additional non traditional liens on the property but I feel that the negotiator has either conveniently ignored my warnings or did not understand them. It has been 10 months and I feel they have stretched this file out needlessly and have added on XXXX extra months of city fees to the additional liens and there was no real cause for this as I have outlined everything for them initially, but their internal department refused to listen to my comments/suggestions. 
There seems to be no end in sight. And the buyer/seller is feeling very uneasy about the whole transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Harley Davidson Financial Services Inc
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Atlanticus Services Corporation
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:
There was a hard inquiry on my credit report from " XXXX '' on XX/XX/2022. Shortly after being notified about this I received a full Credit Report from XXXX and saw that there was a new account in my name under XXXXFORTIVA for a credit card that I never activated. I immediately filed a dispute through XXXX and was notified a week later that the results were " Accurate and Updated. '' From there I filed another dispute on XX/XX/2022 and received the same results. I also contacted Fortiva directly to try and figure out what happened and attempt to remove the account from my name and they told me that there was no record of me having an account open with them therefore there was nothing they could do. 

So I first need to know how XXXX can declare this being accurate when the company itself has no record of me opening an account with them and most importantly I need this removed from my record as I believe it is fraudulent. I need someone to please help me do this or at least point me in the right direction to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I was charged by Bank of America an incoming wire transfer fee when it was already paid for by the outgoing bank. They are not helping me with this saying its always a fee charged whenever incoming transfers are there but the fee was already paid from the other bank. This is solely the problem from BoFAs system. 


These are the dates of my wire transfer fee taken by BofA which were already paid for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: WI
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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 non-monetary relief
Consumer complaint received 2016-08-30
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX our fresh start loan was sold to. Nationstar mortgage Plc. 
We tried to make a payment each month but they did not have all the paperwork from XXXX. After a few months of this excuse my husband actually called XXXX they stated to him all paperwork had been forwarded. Finally my husband thought he was being scammed they stated they could not accept any phone credit card check by mail only XXXX XXXX. Even though they kept sending monthly statements to us. They decided to foreclose on our home, I requested a modification through MHA they sent out the paperwork I got it back to them. They used my overtime to calculate my acceptance so instead of us having a smaller monthly payment now it 's way more and they wanted escrow for taxes and insurance. Our first payment did include a down payment first month payment and escrow. Two days ago I received notice my homeowners insurance is being cancelled for non payment. I also included this with my contract a copy of the invoice. Tried to call my contact person to find out why? I was. It going to leave one more message. Pressed zero got on the phone with XXXX told her what was happening she agreed to get a team lead on with us he said it will be a couple more days until they have it figured out Really!! I do n't have that my house insurance will expire on XXXX/XXXX/XXXX. I was on hold for over twenty minutes I had to go lunch was over. The foreclosure is not closed yet as of XXXX/XXXX/XXXX. " They are not done processing my loan ''! I have heard a couple days for everything now they said my foreclosure was moved to XXXX XXXX XXXX. I have an attorney and I am willing to go to any length to make sure this does not continue for us or anyone else. Also when we first got approved it was 8 % then the contract comes they know they have me by the nose it 's adjustable every two years until it 's 10 %. Is n't there a truth in lending? Or am I just stressed out enough over all this! You bet I 'm stressed I have been dealing with this for two years now! Can or will someone help me? I need an injunction and someone there the person who owns this company needs some jail or prision time. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My name is XXXX XXXX. My wife 's name is XXXX XXXX. For the last 3 months, I have sent multiple letters to Tower Loan letting them know that I do not have the ability to call during my work time. I have also advised that my wife be the point of contact for any information as she is much easier to reach than I am. 

I do not get a " scheduled '' lunch break as I am on the road or in the office doing my job and working with clients. I don't have time to be on the phone. My wife has been disrespected, yelled at, and transferred without consent and even after she told XXXX that she didn't want to speak with XXXX due to previous experiences with XXXX XXXX XXXX transferred XXXX to XXXX anyway. The result of this was XXXX telling XXXX that she didn't want nor ask to be transferred and XXXX yelled at her stating, " I don't care what you want ''. XXXX has yelled at my wife, disrespected our family and our jobs, attempted to gaslight and manipulate my wife after disrespecting her, she hung up on my wife, and belittled us. This is not appropriate nor professional. I have TRIED to respond to the phone calls with letters but even with my own signature on a letter - my wife was told it wasn't me. Tower Loan has contacted people that were not references nor listed on the application, yet told them they were - so there's another sign of unprofessionalism, it was a lie. 

I have informed Tower Loan that we are experiencing financial hardship. We are trying really hard to get their payments to them, so the harassment does NOT help at all. Being harassed after we have already attempted contact and have tried working with this branch with all the resistance. My wife is the point of contact, plain and simple. 

My wife and I have decided that going to the XXXX XXXX XXXX to report the harassment and negligence is the best option. We were directed to the CFPB. 

This has been a massive waste of the time that I should have been spent working. We are working on getting payments to them. Like I have mentioned, we are experiencing extreme financial hardship at the moment and we are in fact working on it. We haven't been ignoring them. They've been ignoring us. 

If needed contact my wife at XXXX or XXXX. The issues listed above need to be addressed as it's happened too many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Loan is an interest only loan that now has a principle payment added. My father passed away several years ago and my mom has a trust where she is the trustee for the trust in the name of my father. My name is also listed, however this bank constantly loses things that are faxed to them and they repeatedly ask for things over and over. Not talking to my mom, telling her they CAN NOT talk to her. 

I need someone from the bank to look into this ... .please. The mortgage payment went from {$1000.00} to {$1900.00} per month, my XXXX yr old mother will not be able to pay this on SS and pension alone ... .we need help from someone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: AR
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:
I am filing this CFPB complaint to report that my credit has been unlawfully used and that unfair practices are being conducted by XXXX, XXXX, and Equifax. Not only have they added items to my credit without my written consent, but they also do not have the correct addresses on file. Specifically, I have noticed the following erroneous accounts on my credit report : Account # XXXX Balance = {$2100.00} Account # XXXX Balance = {$2000.00} Account # XXXX Balance = {$1000.00} Account # XXXX Balance = {$340.00} Account # XXXX Balance = {$1100.00} I urge an immediate investigation into these matters to safeguard consumers rights and ensure fair credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Northern Trust Company, The
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Problem 1 : I have XXXX of my money in the money market account and interest rate was 4.84 % but because it was XXXX I would only receive .25 %. When I called Friday XX/XX/01. I was told by the CSR that as soon as it becomes < XXXX .The difference would be credited > XXXXXXXX XXXX But When I called I was told they would not honor and some one call XXXX -last name unknown ( I was not given his last name or designation ) and that this person has the authority to make decisions. Inspite of repeated attempts my questions are not answered Problem 2 : They raised the interest rates and had an ad on the website of higher interest rates and I was on the lower rate for 2 months, before asking them via secure message only then did they give me the new rate : It is well documented and would be on the secure messages I sent them Both are classic examples of very deceptive business practices

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 2022-10-10
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Was told to enter info to correct an account from XXXX  still showing unpaid. Some how my info became a membership XXXX of which I would never agree too. I have XXXX credit score even with this old account. Now seeing charge on account. Finally contacted live person they said 2 charges, one last week and could only refund one. Asked for supervisor, asked for different number to not play merry go round. No supervisor and disconnected. 

Not only did they not remove XXXX  XXXX  paid bill, which I'll never pay was a XXXX issue after being with them for XXXX  years. Now they are charging me for monitoring I would never agree too. Want both XXXX charges refunded and the XXXX  account removed. 

Ps. How is it OK that credit reporting agencies get to charge you for doing their job??

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 2023-02-01
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and on XXXX XXXX I got paid also my money got took out my bank account by someone I didn't know are authorized them to not do.i paid some bills on that day and some of my money got took and transfer over to caspapp that day.the amount of XXXX $ cashapp saying I authorize that XXXX are someone to send my money to XXXX and to a place call XXXX I didn't authorize it someone open an application in my name and XXXX company call it fraud and stop the application I have sent cashapp documents and they will not investigate it just saying the case close because I did try to file a fraud on cashapp they want look at nothing I sent them documents and they just keep saying its my fault that this fraud happen.I don't have a chance to present proof to them cause they saying it's nothing they will do for me I think it is unfair to just say this fraudulent is my fault and didn't look into but a few minutes and sent me an email saying it's my fault. They got it from my XXXX XXXXXXXX bank they reimburse me cause I sent them documents thats proof and they seen it was fraudulent so they close the account and made funds permanently but cashapp want let me close the account cause they say I owe them XXXX $ from fraud activity that XXXX XXXX took back from them, it was XXXX $ the person did the fraud but cashapp got a percentage of the XXXX activity and saying I owe XXXX $ please help me resolve this matter through cashapp cause they want take no documents from me and they also said any suspicious email I get to send it in I did that and they still say isn't anything they can do. I will be sending these documents that shows the iphone went into my account and added they info to steal my information to do this fraudulent transaction and XXXX says it was suspicious, they hack my XXXX account, my XXXX, and my bank to transfer it ti cashapp cause they kno cashapp wouldn't do the work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please refer to previous CFPB report number XXXX letter attached. I contacted the Credit bureau XXXX to advised that my report was inaccurateXXXX XXXX  shows XXXX effective as of XX/XX/XXXX this account was opened in XXXX and charged off on XX/XX/XXXX as reflected in their response in this letter. All bureaus were notified along with CFPB however inaccurate information is currently being reported.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a lot of unauthorized transactions

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 2022-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I have several inaccurate late payments listed on my credit report with is a violation of my rights and hindering me from obtaining reasonable credit purchases. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: TN
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 put a Despute in for credit exception company 2  years ago with Experian and they still have it on my credit report now .That car loan belongs to XXXX XXXX he is deceased and the car is in bankruptcy.I have call the on yesterday to Despute again. Please help me help Experian

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