BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Fraudulent transactions on XXXX and US bank credit card. Change mailing address on XXXX credit report. Applied fraudulent applications at XXXX XXXX credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Capital Auto Credit, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, the company sent a copy of purchase agreement since asking for a copy after purchase XXXX, XXXX. At the onset of purchase, I informed the company there were problems with windshield, sliding door, and other mechanical issues that has yet to be resolved. Additionally, late payment fees are taken out of my bank account on Friday when payments are always due every XXXX Saturday. 
On XX/XX/XXXX, I lost my job because of the company downsizing and letting go those that just started working. I was one of them. I informed the car company. 
On XX/XX/XXXX, the car company called telling me that I miss one payment and they are ready to repossess the vehicle and if I do not give the vehicle back voluntarily, they will contact police to issue a warrant for my arrest. Of course, I explain that I can not pay until I start my new job. I offered the car company a copy of my offer letter with date, rate of pay, and location. The car company did not want to hear it and continued threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( [ Your PayPal Email Address ] ). I strongly believe that this limitation has occurred due to a misunderstanding or error, and I kindly request a reconsideration of this decision. 

I want to emphasize that I have always been a diligent and responsible PayPal user, adhering strictly to all PayPal policies and guidelines. As such, I am perplexed and distressed by the limitation imposed on my account, as I am confident that I have not engaged in any activity that violates PayPal 's terms of service. 

I kindly request that PayPal initiates a thorough review of my case. I understand that mistakes can happen, and I genuinely believe that upon re-evaluation, you will find no basis for the limitation on my account. If any specific transaction or action has triggered this limitation, I am more than willing to provide any necessary documentation or information to help clarify the situation. 

It is of utmost importance to me that my PayPal account be reinstated, as it plays a critical role in my financial transactions. I have always valued the convenience and security that PayPal provides, and losing access to my account has caused significant inconvenience and uncertainty. 

I earnestly appeal to you to re-investigate this matter with the hope of restoring my PayPal account to its full functionality. The email address associated with my PayPal account is XXXX I sincerely appreciate your prompt attention to this matter and your commitment to resolving this issue fairly. Thank you for your time and consideration. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CCS Financial Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Let me provide you the Address and Telephone of the person committed the Bank Fraud : XXXX XXXX, CEO of Citigroup : Address - XXXX XXXX XXXX, XXXX XXXX, NY XXXX Telephone : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX e-mail : XXXX Let us hope that you have no problems to contact him. Thanks, XXXX XXXX XXXX, ID No. XXXX, Home address : XXXX XXXX XXXX, XXXX, NY XXXX ; Tel : ( XXXX ) XXXX ; E-mail : 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 2016-11-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a first and second mortgage originally with XXXX XXXX XXXX who sold the First Mortgage to Nationstar and XXXX retained the XXXX mortgage. I went through a divorce and lost my job of four years. I then applied for mortgage assistance with Nationstar who then began stringing me along. I have yet to receive a decision on my last application for mortgage assistance in XXXX 2016. To my surprise, Nationstar sold my loan to XXXX effective XXXX XXXX, 2016. When I contacted XXXX I was told that none of my paperwork from Nationstar was transferred and that foreclosure had begun with my XXXX XXXX. XXXX sent me a debt Validation Notice without a date on it. When I called XXXX they informed they were no longer handling the foreclosure and that it had been transferred to XXXX. I do not know who is my rightful servicer and trustee for my loan, in addition, I feel that because of the equity in my home I am being targeted and preyed otherwise the information I need to gain assistance would not be hidden from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my statement from NationStar Mortgage. After applying my payments catching up my payments, even though none were late, NationStar charge me {$89.00} in late fees on my statement. On the statement stated late fee is {$36.00}. I have no idea what this figure is. I doubt they do either. I have no idea how many late fees they have tacked on to my account, but this is ridiculous. 
NationStar also applied extra interest on my account when they misapplied the Loan Modification by waiting until a full payment paid, putting funds in unapplied funds instead of payments or principle ( see adj. Forbearance suspense where they fianally applied {$140.00} - that used to be {$180.00} plus change to principal ). They have been ripping me off left and right, extending the mortgage as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never initiated any transaction with Caine & Weiner ( neither XXXX XXXX or XXXX XXXX ), and I dont have a contract with Caine & Weiner XXXX They reported a debt I do not owe onto my consumer report while simultaneously harassing me and trying to coerce me into paying an alleged debt. I asked for proof of the alleged debt. Caine & Weiner did not verify the debt and continued negative reporting ruining my credit score. They violated my consumer rights and was made aware of it in writing. They didn't care, they parked the debt on my consumer report. This company has violated and abused debt collection practices, and they have also defamed my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
identity theft someone use my information to rent an apartment and left with huge amount of unpaid rent on my name

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
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 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.

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 2023-02-22
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letter to Equifax credit bureau the date of the last letter was on XX/XX/XXXXXXXX XXXX. And now we are in the month of XXXXXXXX XXXX  and still nothing from them. that means the Equifax credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I've been using credit karma And they have been given misleading information telling you that you are pre approved for a credit card once you apply for it it denies you And I'm very upset because why are they giving miss leading information Which is causing me to have a negative impact on my credit score and stopping me from getting a loan for certain things as a consumer I expect that the information at credit karma was telling me was accurate Or less I would not apply for these things if I knew it was going to give me a bad credit score So as a result of this I need monetary damages from credit karma As a result of this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted EOS CCA via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Therefore if XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: U.S. BANCORP
State: CT
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 believe this XXXX credit card paper statement I just received in the mail is fraudulent. I never applied, opened or maintain a XXXX credit card, especially one with a {$500.00} credit limit and 29.9 % apr. I never received a physical card just this first statement in the mail which states I opened the card on XX/XX/23. I can also see a hard inquiry on my transunion credit report on XX/XX/23. I have called the XXXX card number customer service line XXXX and Elan financial services which is the bank associated with the card XXXX and they both want me to confirm my social security number, address, phone number, birth date, address and account number over the phone which I am not comfortable doing just to verify my account before having them look into fraud and stolen identity. They refuse to help further despite informing them I did not open an account with XXXX and wish to have it closed as soon as possible.

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 2016-11-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
***CRIMINAL FRAUD BY XXXX XXXX , XXXX XXXX , XXXX XXXX FAILURE TO MAIL MONTHLY STATEMENTS IN XXXX LYING TO CFPB ABOUT RESOLUTION*** LOAN SERVICING FRAUD**** CRIMINAL THEFT****FAKE CUSTOMER SERVICE**** ILLEGAL ATTORNEY FEES*** ILLEGAL INSPECTION FEES *** ILLEGAL LATE FEES *** CRIMINAL FRAUD *** NATIONSTAR TOLD THE CFPB IN XXXX THAT WE AGREED TO A RESOLUTION. WE PAID AS AGREED BUT NATIONSTAR KEPT A BALANCE ON THE ACCOUNT AND THEY HAVE COMTINUED TO ADD LATE FEES, ATTORNEY FEES AND ILLEGAL FEES OF OTHER KINDS TO A LOAN THAT IS CURRENT WE HAVE ASKED COUNTLESS TIMES TO HAVE IT CORRECTED BUT THE AMOUNT CONTINUES TO GROW AND THEIR ARROGANCE GETS BOLDER EACH MONTH AS THE ILLEGAL FEES CLIMB THIS IS NO ACCIDENT OR OVERSIGHT. THE ENTIRE COMPANY IS A FRAUDULENT CRIMINAL SCAM PROVIDING NO VALUE WHATSOEVER TO ANYONE THEIR CUSTOMER SERVICE IS NOT ONLY THE WORST IN THE INDUSTRY IT IS INTENTIONALLY MISLEADNG XXXX XXXX, XXXX XXXX, AND XXXX XXXX HAVE ALL LIED TO THE CFPB IN THEIR RESPONSES. FRAUD HAS BEEN PROVEN AND CONFIRMED BUT THESE EXPERTS IN CRIMINAL CONVERSION HAVE PENCIL WHIPPED NUMEROUS CRIMES INTO A FALSE STATE OF LEGALITY. 


LOAN ORIGINATION FRAUD IS ILLEGAL. PREYING ON MINORITIES, LESS EDUCATED AND ELDERLY USING FRAUD IS ILLEGAL. LOAN SERVICING FRAUD IS ILLEGAL. ... XXXX, XXXX AND XXXX ALL HAVE STATED IN WRITING, HOWEVER, THAT CRIME IS LEGAL WHEN THEY SUPERVISE IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM WRITING TO UPDATE/ CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 

PLEASE UPDATE : MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
MY ONLY LEGAL NAME : XXXX XXXX XXXX XXXX MY ONLY SOCIAL # XXXX MY ONLY DOB : XX/XX/1993 SELF EMPLOYED I DO NOT WISH TO HAVE ANY TELEPHONE NUMBERS ON MY REPORT. 

PLEASE REMOVE ALL THE OTHERADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA, SINCE THEY ARE 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX Account # TransUnionXXXX Balance Owed {$5500.00} Account # XXXX Balance Owed {$5500.00} Account # XXXX /Balance Owed {$5500.00} Account name : XXXX Account # TransUnionXXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account name : XXXX Account # TransUnionXXXX Balance Owed {$0.00} Account # XXXX Balance Owed {$0.00} Account name : XXXX Account # TransUnionXXXXBalance Owed {$120.00} Account name : XXXX XXXX Account # TransUnion XXXX Balance Owed {$110.00} Account # XXXX Owed {$110.00} Account # XXXX Owed {$110.00} Account name : XXXX XXXX XXXX Account # XXXX Balance Owed {$3500.00}, 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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account Name : XXXX XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-07-12
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have been under contract on a property since XX/XX/2021 and had an initial intended closing date of XX/XX/XXXX ( 45 days later XXXX. It is now XX/XX/XXXX, and we still are not clear to close which we are being told isnt even the final step in our mortgage process. We have had now 4 extensions to the contract and are on our XXXX day. 

I am filling this complaint in an attempt to get someone within Regions to take accountability for the fact that they are not being communicative to us, that the underwriters are dragging their feet, and that they have lost all credibility with the attorneys involved in the transaction. 

Regions committed to us a 45 day closing on an IHDA mortgage. They have violated our trust, misled us in the time it would take to complete things and repeatedly asked us to provide documents we have already provided. 

We have tried letting anyone on their side who will listen know that we need them to fulfill their commitment to us, but none of them seem to care except our direct contact. Our broker and attorney have also tried to work with Regions, for which the bank has been less than communicative or responsive.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
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:
The following accounts listed below have reported to my account. I am unaware of these listed inquiries. Please look in to the listed accounts. Thank You, 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 explanation