BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar has reported false and incorrect information to the credit bureaus indicating I am more than {$110000.00} delinquent. Nationstar 's predecessor, XXXX XXXX XXXX, NEVER attempted to collect after the foreclosure sale. 

There 's been active litigation between XXXX and myself since XXXX 2012. I have included the most recent docket entry on the Federal lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX, XX/XX/XXXX, i was in the Capital One app and saw a check deposited for {$5000.00} into my small business account had been reversed. XXXX at Capital One stated the check was fraudulent. Untrue, it was a check written from my husband to cover some XXXX bills. XXXX suggested redepositing the check and seemed unfamiliar with this kind of situation. Thinking this would be quickly resolved, I then deposited a check for {$3000.00} into my personal account, again from my husband 's account, which was accepted. 

Later the same day, Capital One sent an email stating the business account had been closed and a check would be mailed within 7-10 days. I opened the Capital One app and then saw that my personal checking account had been frozen. There was a number given for me to call, and after verifying my information, I was sent to a voicemail which stated to leave my name, account number and telephone number and I would be reached in 48 hours. I repeated the same action today, XX/XX/XXXX, and received the same voicemail. 

I am 4 weeks out of a XXXX XXXX with no access to my funds. Admittedly, the activity on my account has increased in the past several weeks as purchases were made to make my recovery at home as comfortable as possible. But, no call came from Capital One to ask if they were legitimate if they were concerned about fraudulent activity. Needless to say, I am shocked as I've never had issues with Capital One or it's customer service before. But to freeze my account without an explanation doesn't say much about their care and concern for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2016-06-17
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We have filed twice now. We have yet to hear back from Nation Star with a valid response and resolution to their mistake. on XXXX XXXX 2016 they claimed to have a resolution and have yet to produce one. Their mistake is costing both my wife and myself from refinancing our current mortgage. 
We are requesting they fix this nightmare in a timely manner it has been over 60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Auto Acceptance, LLC
State: TX
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:
I financed a XXXX XXXX from XXXX XXXX with Auto Acceptance. In XX/XX/XXXX the car was totaled by someone with XXXX XXXX. My Collision declared the car a total loss so a check was issued for the value. I also had Gap which should have covered the remaining. Auto Acceptance is still charging me the monthly payment of {$450.00}, reporting to the credit bureau, and sending emails constantly. This can not be right and/or allowed.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment with a cashiers check that cleared through the bank on XX/XX/24 for XXXX. As of today, Citi has not credited my account. I called in a missing payment dispute on XXXX and received a response on XXXX that a {$47.00} payment had been credited- evidentially the call center person I spoke with entered the wrong amount somehow. I called back and had to start a new dispute, and the individual told me it would be 45-60 days to resolve.

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 2016-06-20
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX foreclosed on my property. XXXX XXXX XXXX never sought to collect after the foreclosure sale. 

Now, four years after foreclosure sale, Nationstar claims I am {$110000.00} in arrears. 

I have been litigating with XXXX XXXX XXXX since XXXX XXXX, 2012 to enjoin a wrongful foreclosure eviction. The case is currently pending in the XXXX Court of Appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a credit limit of {$1800.00} on my Chase visa credit card. 

I paid off the entire balance of the card this past week XX/XX/XXXX or XX/XX/XXXX. Not even less than a week later after I paid off the whole balance, Chase immediately decreased my credit limit by {$1300.00} and said that and I quote it came up for peer review I find it a little hard to believe that after I pay off the whole balance, theyre just able to decrease my credit by more than 75 % because of some random review they said happens. 

Im not delinquent on any cards. Im up-to-date with all my payments everywhere. 

This is clearly just a way for Chase to mess with their customers and hurt us when it comes to increasing our credit limits. 

I want my limit to go back rot where it was its totally unfair that they can bait me into paying off the balance to up my credit score and then as soon as I do they totally destroy my limit. 

Seems a little too convenient to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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:
Inquiries on my consumer report that I didn't authorize and don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions 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:
I have sent all 3 credit reporting agencies ( XXXX XXXX, and Experian ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. 

Also, XXXX XXXX, and Experian are in violation of the FCRA. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2019-07-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have now received 2 calls threatening to serve me papers or take me to court regarding a XXXX/Victoria's Secret credit card that was discharged in bankruptcy over 4 years ago (the original debt would have been about 10+ years old now). The first call came a few days ago from an unknown number where the woman did not identify herself or the company. I suspect the caller was from XXXX XXXX   because I did hear a phone number during the transfer and it had a (XXXX) area code. I, however, did not get to write down the number. The woman who called was hostile and told me to "pay my bills" and "not buy things I can't afford" when I told her the call was illegal because the debt had been released in bankruptcy and would have been time-barred anyway. She continued to insult and threaten me with legal action for a few seconds then promptly hung up before I could say anything else. Today, I received another call (from a different area code) about the same debt. The recording identified the company as a "XXXX XXXX XXXX." I believe this company has called me before. The man I spoke with knew my name, birth date, full social security number, etc. He said there was a civil case against me pertaining to this debt. When I told him the same thing that I told the previous caller, he said to "lose my attitude" and that he would "check on the bankruptcy, but I'll see you in court" and then immediately hung up before I could tell him that I was going to report them. Since declaring bankruptcy after a financial hardship, I have established excellent credit and payment history. I do not have any outstanding debts, and I do not have an account with XXXX/Victoria's Secret. I am tired of still receiving harassing calls over a debt that I legally do not owe and haven't for several years now. Additionally, I find it extremely concerning that companies with no valid reason to access personal information such as a social security number can so freely access this information -- it is no wonder that identity theft is so rampant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX i woke up to a email from chime stating my account had temporarily hold on my account at XXXX. I then open my chime app and discovered the amount of XXXX on my account and the money from my savings in the amount of XXXX had been transferred to my checking account and 51 unauthorized transactions from XXXX XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) starting at XXXX XXXX. I proceeded to contact chime banking the started an investigation to dispute all 51 transactions I was told to email anything to help my claims I emailed my drivers license, XXXX XXXX XXXX statement and work time sheet. A few days later I received a email saying my claim was denied. I called chime again I spoke with a supervisor and explained to her its no way I couldve sent those transactions and I explained to her my car was in reposition and bills are due Im a single parent and that was all the money I had saved because my work hours got cut .she reopen the case and denied it again the next day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-25
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:
Recently, I submitted an application for preapproval for a mortgage loan through XXXXXXXX XXXX XXXX XXXX, since I was interested in possibly purchasing a manufactured home which XXXX XXXX. I submitted an application with XXXX over the summer of XXXX, but ended up not purchasing a property at that time, and then again in XXXX of XXXX. 

On XX/XX/XXXX, XXXX XXXX of XXXX wrote : " Here is your updated conditional approval. Also in order to qualify for a 30 year mortgage your credit score would have needed to be a 680. The score we pulled from Transunion was a XXXX. So we wouldn't be able to offer a 30 year loan. '' See the enclosed documentation. 

Of course, the credit score determines the loan terms. It seemed a little strange that my TransUnion score could have been so low, especially when everything I've done has helped raise my score and my scores at the other bureaus were up over 700. 

Seeing that something wasn't right with what XXXX was telling me about my score, I purchased my TransUnion score on XX/XX/XXXX. On XX/XX/XXXX, my TransUnion score was XXXX, almost a full XXXX points higher than the XXXX that XXXX XXXX was telling me it was just a few weeks prior. See the enclosed documentation. 

There's no way my score increased by nearly XXXX points from XX/XX/XXXX to XX/XX/XXXX. XXXXXXXX XXXX  has been caught literally lying about credit scores in order to offer less favorable loan terms. 

What's the purpose in even pulling a credit report/score if you are going to lie about the contents anyways? I didn't consent to XXXX XXXX  pulling my report/score to turn around and lie about the score to offer me less favorable loan terms than I should have qualified for based upon my own knowledge of my score. 

Since XXXX XXXX  is using credit reports/scores for inappropriate purposes, the inquiries from XXXX and XXXX were made without my consent, and therefore the inquiries need to be removed. 

I notified TransUnion of the details and supplied the documentation to support removal of the inquiries, and yet TransUnion informed me that they wouldn't remove the inquiries made by XXXX XXXX  unless XXXX XXXX  itself contacts TransUnion to have those inquiries removed. 

This would be like a police officer showing up to the scene of the murder and deciding to not arrest the murderer unless the murderer agreed that he should be arrested! XXXX IS THE PROBLEM! The evidence is overwhelming!

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 2019-11-04
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, My Card is used unauthorized on some Western Union Transfer To some XXXX XXXX in TX. Please Return the transfer and block my card misuse online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
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 XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance Owed : {$640.00}.

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 non-monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-20
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

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 XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man 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 2023-08-19
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account XXXX Dear XXXX Consumer Relations, I am writing to formally dispute the accuracy and validity of an account that is being reported on my credit report. The account in question is referenced by the account number XXXX. According to my credit report, the account details are as follows : Creditor : XXXX XXXX Balance : {$470.00} Highest Balance : XXXX XXXX Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Term : 7 months Payment History : You've indicated that I've made 100 % of payments for this account on time. 
I would like to bring to your attention that I have no knowledge of this account, and I do not recall entering into any agreement with XXXX XXXX  or any other entity for the debt mentioned above. Additionally, the payment history provided does not accurately reflect my financial activities. 

Considering the information provided, it appears that there may be an error or misunderstanding. I request that you conduct a thorough investigation into the validity of this account and the accuracy of the reported information. As part of this investigation, I kindly ask that you provide the following : Verification that the debt is indeed associated with me and that I am responsible for it.

Copies of any documentation, contracts, or agreements related to this debt.

Detailed payment history, including dates and amounts of payments made. 
Any communication or correspondence from XXXX XXXX related to this account. 
I believe it is crucial to resolve this matter promptly, as it is adversely affecting my credit standing. I have always been diligent in managing my finances and ensuring that my credit report is accurate. I respectfully request that you expedite the investigation process and provide me with a written response outlining the results of your investigation. 

In accordance with my rights under the Fair Credit Reporting Act, I am requesting that you provide a response within 30 days from the date of this letter. If you are unable to verify the accuracy of this account, I request that it be removed from my credit report immediately. 

I appreciate your attention to this matter and your commitment to upholding the accuracy of credit reporting. Please provide any communication regarding this dispute in writing to the address mentioned above. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.

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