BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Data Mortgage Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a response ( attached ) stating that the 90 day past due credit reporting on my mortgage loan ( under XXXX XXXX and XXXX XXXX ) on address XXXX XXXX XXXX XXXX XXXX NV XXXX was not going to be corrected because our partial claim was not received until XX/XX/XXXX. My initial application for a partial claim was submitted on XX/XX/XXXX, Essex mortgage switched servicers and it took over a month to even get the process going all over again. I had to send additional information because they took too long processing my application. I had to email and call several times and was given the run around about the status of my loss mitigation application. The delay was theirs, not mine. Pls see correspondence showing how many times I contacted them, and the fact that they had given me incorrect and incomplete information many times to the point that I had to put a complaint on here to even get help. 

I have attached the initial response where I indicated I was not being treated fair or timely and their response. 

I also need to know why my partial claim is approx XXXX but Essex mortgage also received XXXX HAF funds? Where is that money how was it applied? That is XXXX in funds. Please provide me with this break down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My partner, XXXX XXXX XXXX, and I had two lines of credit with CapitalOne : a Platinum card for {$5000.00} and a QuickSilver card for {$7000.00}. He is the primary holder ; I am the secondary holder. They had perfect payment histories, XXXX  balances, and the cards were locked. CapitalOne abruptly closed the QuickSilver account and took both accounts off-line. When we called to find out why, we were told by CapitalOne ( 1 ) someone had removed me from the QuickSilver account ; and ( 2 ) that XXXX  credit bureau had reported the QuickSilver account as opened fraudulently. We never made any such request to CapitalOne, and we never made any report to XXXX. In trying to resolve this issue, both my partner and myself sent notarized letters to CapiralOne Credit Bureau disputes attesting to these facts on XX/XX/2021. We have heard nothing from them. I called CapitalOne this morning to request an update and was told they can do nothing to restore either our QuickSilver line of credit, or either of our account access online until they hear from XXXX. I called XXXX  and they said they cant help us because they have no dispute with CapitalOne on file for either of us, which makes sense since we never initiated one. I called CapitalOne back and tried to tell them what XXXX  told me - and now, all of a sudden, they wont talk to me because I am the secondary account holder. Theyve always talked to me before - including this morning. This is a bunch of XXXX  : finger-pointing, passing-the-buck, inertia designed to waste my time. The primary account holder has both spoken to and written to CapitalOne about these problems. We have both complied with everything theyve asked of us, and we want both our credit lines restored and put back online so we have access to them FORTHWITH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
square said they sent a refund for my customer. I have proof refund was taken back from square via bank. square wont tell me where the missing money is and also in writing told me they would not be helping

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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 items listed below are reporting on my personal credit file and found in my report with Experian credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$5000.00} CHILD SUPPORT ENF AG/N XXXX Balance XXXX {$4900.00}

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXXXXXX, XXXX Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the Fait Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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 2015-06-25
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX and XX/XX/XXXX i fell behind in payments do to lose of employment and tried to workout a way to pay it back and was informed there was nothing available and they started foreclosure. I contacted an attorney and after months the mortgage company informed me that they would not talk to the attorney and my only choice was to accept a modified loan under there terms which was {$600.00} more than what i was paying or foreclose. With no other choice for my family i had to except the new payment. After a while i started having trouble paying the the huge payment i fell behind again. I contacted the mortgage company and asked how much i needed to get the account up to date and was given an amount. I got the money together and contacted the mortgage company to pay and now the amount was more. When i had that amount together and contacted them now the amount changed again, this went on for months until i contacted an attorney to help me lock in an amount to make the account up to date. I set up bill pay from my bank account to pay the mortgage directly every month so ther wouldnt be any issues. After making the next XXXX payments without any issues directly from my bank bill pay i noticed a week after my last payment the mortgage company sent the money back to my bank account. I contacted the mortgage company to find out why they sent the money back after they had it for a week and was informed that im no longer allowed to have my bank send them the money i have to get a certified check from the bank and have it mailed to them. Now my payment is late and there is fees applied to my account. When i asked why they had the money for a week they could not give me an answer and when i asked them why i wasnt informed about not being allowed to pay through my bank they still could n't give me an answer. I feel that the mortgage company is continuing to make it harder and harder to pay so they can foreclose on my house and as long as they continue to affect my credit score I can not refinance with another mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Chime Financial Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX : I was in communication with a user on XXXX regarding a XXXX event that required tickets paid for before entry. I had spoken with the user @ XXXX regarding payment and the tickets being sent to my email after payment. I sent the amount of {$100.00} XXXX XXXX to an XXXX XXXX, the user however had a picture of a woman and claimed it was here boyfriends XXXX XXXX account I was sending it to. I sent it and got no more responses from them and was then blocked. I reported the scam incident to XXXX XXXX, XXXX and my bank Chime and The XXXX XXXX  after that happened. XXXX was the only one that helped because they suspended the user indefinitely and gave their policy on frauds and scams through their app. 

On XX/XX/XXXX : I was sent confirmation from Chime that they got my transaction dispute and would need more info to proceed with a refund. I sent them the information from XXXX and the XXXX XXXX transaction with the dates and amount all included. From XX/XX/XXXX to XXXX Ive been reaching out to Chime via email and phone and have been denied twice even with providing evidence on the scam that happened to me their customer. 

Today on XX/XX/XXXX : I decided to call one last time and was given the same scripted answers and no support in my case about an online scam that happened to me in XXXX. Ive given them ample amount of time to review and provide me the best solution and they provided neither enough support or a valid explanation on the denial. 

If theres any other information you need from me please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: V and H Portfolio
State: TX
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 have/Had no knowledge of this account/Loan for {$4200.00} XXXX periodically check my credit and this how I found that this was on my credit went to collection at Vance & Huffman before my past credit history of loans and credit cards I have paid and/or paid off I had a excellent payment history I have even obtained a loan from XXXX XXXX XXXX and with in 3 months XXXX had XXXX account paid in full and XXXX also found that XXXX I have account with was breached and I received a Letter from XXXX XXXX and they had a data breach and then in a month of XXXX  breach in XXXX this year and XXXX this someone my Identity and this collection appeared on my credit history and I am so frustrated upset that something like this could ever happen when you put your trust in Credit company as XXXX and others and feel this thief of my identity violation of one self and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, 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 explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has consistently been charging me over draft and late fees on everything refused to refund it, money was there, and the way they do their transactions pulling makes me go into late fees, i tried to contact them they refuse to help me. My other banks don't charge me multiple late fees.

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 2022-09-15
Company: BROCKELBANK INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has continued to try to collect a debt for an incorrect amount. There was an amount that was supposed to be billed to my insurance company but it was not. Despite speaking with the original company about this multiple times, that information was not relayed to the collection agency, who is now reporting a collection on my account. I have no problem with paying the correct amount, but since the original company didn't bill my insurance company, there was no way to know what the correct amount is. I attempted to give the company my insurance information multiple times, but they still continue to claim that they never received it. Instead of getting the correct balance information, the collection agency started reporting the incorrect amount as a collection on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: ONLINE Information Services, Inc.
State: PA
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC XXXX, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my Bank of America checking account was hijacked/hacked by an unknown individual with my personal account details. They accessed my account and wired out {$8100.00} USD. 

I reached out to Bank of America when I took notice of this to put a stop to this and reclaim my personal account details, which was less than 5 hours from when this cyberattack happened. The agent informed me that the fraudulent wire was in transit and that I need to open a claim. I opened this claim on XX/XX/XXXX and filed a police report on XX/XX/XXXX. 

I called Bank of Americas claims XXXX number and spoke with an agent on XX/XX/XXXX to give them the case number of the police report and the name of the officer. When speaking with the agent she informed me that they have personal details of who hacked my account along with their receiving bank and explicitly said that Bank of America has reversed the wire and that I will received my funds back by XX/XX/XXXX. 

I received a notice on XX/XX/XXXX that Bank of America will not disbursement my funds. I called their claims XXXX line to speak with an agent and she has to document more details, as she states that the investigators did not document that my account was accessed by a device not normal to to my account history. I have given Bank of America all that they have asked of me to resolve this and have still not received my funds that was fraudulently wired out and they caught and reversed. They are holding my funds and have mismanaged my claim.

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 2021-06-22
Company: American Credit Acceptance, LLC
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
While I was sick with XXXX, ACA choose to take my vehicle and leave me without a way to get around. i WAS quoted a price to get my vehicle back. I worked as hard as I cold to get the money and I finally came up with enough to get my car back. I sent them the money as requested and was under the impression that the amount i paid included ALL FEES. I them made an arrangement to pick up my vehicle and I was told, per the finance company, that I had to pay XXXX dollars in fees to get my vehicle back. Ii feel that after all the hoops that ACA made me jump through and all the anxiety and given what is going on, that they would be able to waive the fees and help. I wane through enough and I feel like they are taking advantage of a global pandemic. They knew I had XXXX twice and had a very hard time. I paid what i needed to, why are they making more hoops to go through. This should not be allowed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ERC debt collectors have called and sent me a letter stating I have a debt amount of {$540.00}. On a recorded line they stated the account was opened in XXXX. Which I DoNot recall having any XXXX service in XXXX. I then became stressed and worried so I checked my XXXX credit account. On my XXXX report I show that I disputed this same company ERC from my credit report for an account opened in XXXX, for the amount of {$250.00}. However, the mobile company shown on my report states its T-Mobile. This account was disputed and deleted from all 3 credit bureaus in XXXX. Why am I still getting collection notices from ERC if the account has been removed when I filed a claim to dispute through XXXX and it has successfully been removed.

Company response to consumer: Closed with explanation