BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to TransUnion was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If TransUnion does not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance Owed : {$590.00}

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 2018-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
According to Capital One they said that I have a cease and desist attached to my account ending in XXXX for a balance of XXXX I do not know who put the cease and desist attached to my account but I did not so to me this is fraud tampering with my account I called them to try to settle this account but they said they couldn't talk to me unless I removed the cease and desist off my account and in order to do that they would need to contact me through mail and phone I told them they can contact me through mail but not by phone and they said they couldnt help me unless i give them permission to contact me by phone and mail. I refused but they insisted so I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 Quicken Loan contacted me offering some rates and costs for a possible 10 year refinance home mortgage. The person from Quicken Loan I talked to was Mr. XXXX, XXXX ( XXXX ). XXXX XXXX was very insistent trying to convince me, that the offer he was giving me was a great one and that I had to take it otherwise it might be gone the next day. I have to say I was Quicken Loan Customer time ago so I just asked this person to send me an e-mail with the details of the offer or post it in my Rocket Mortgage account for me to review it later on and reach back only if I consider the offer to be convenient for me. 

To my surprise my wife and I received, fist on XX/XX/XXXX, a copy of our corresponding credit reports Quicken Loan throw XXXX had pulled out on our behalf and on XX/XX/XXXX we received a Loan Estimate Package # XXXX containing additional credit reports being pulled out from XXXX, XXXX 

After trying to get clarification from Quicken Loan XXXX XXXX, XXXX XXXX ) they argue now that in fact gave them approval to move forward with this which is 100 % false. They are saying not only that I gave them approval to pull out our credit reports but that I provide them my SSN, which never was subject during our conversation. My wife was not even in the call, so it is not possible for her to had given approval for this. 

I am very concern now about? 
- The way Quicken Loan is misusing people 's information, new costumers and old customers like in our case. 
- I consider this to be a fraud, maybe only from some agents who might be getting a commission every time they get at least a Loan Estimates sent out, I do not know. But I believe this needs to be addressed.. What if it becomes something bigger and they start now closing refinances with the clients not even knowing about it - Our credit reports got damage. They decreased already XXXX points as a result of this fraudulent action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Collection Bureau of America Ltd.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CBA collection burea is illegally reporting on my credit reports a fraudulent account that they know is fraudulent. This company since XXXX of XXXX  has been reporting that I owe some mysterious company {$840.00}. They have absolutely refused to provide ANY thing to verify this account. A copy of a fraudulent bill is NOT evidence of legitimate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
We have a reverse equity line-of-credit mortgage that got assigned to Ocwen, which has now changed its name to PHH Mortgage. We have almost {$70000.00} available to draw upon. On XX/XX/2022, we submitted a draw request for {$15000.00} ( I have a contractor for home repairs ready to go when I get the money ). PHH says that the draw request will be processed within five business days of the request. On XX/XX/XXXX, I got a call from PHH in which they said they were confirming how to make a direct deposit in my checking account. Having received nothing, I called PHH on XX/XX/XXXX. The person I spoke with denied that I had make the request on the XXXX, and said that it had been made on the 21st, and that I would get the deposit on XX/XX/XXXX. Late on XX/XX/XXXX, having received nothing, I called them again. The person I spoke with said that my request had been received on the XXXX and that no one had taken action on it and she would put in for an expedited deposit. She said I should get it today, XXXX XXXX. My bank has received nothing today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX   IXXXXUnder Dispute XXXX XXXX XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute

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 2023-04-02
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:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I don't have any contract written, verbal or otherwise with any of these collection agencies. The credit agency is using alias 's name that don't belong to me, outdated addresses ' and phone numbers. 

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 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 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 2020-09-09
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
in XXXX, XXXX, I applied, and was approved for the XXXX XXXX card from American Express. I made purchases, and paid each bill on time. In XX/XX/XXXX, I contacted customer service via chat on the XXXX app. I let the rep know that I wanted to cancel my XXXX XXXX  card. The rep either did not seem to want to keep me as a customer, or may not have been able to convince me to keep the account open. They asked if I was sure that I wanted to close the card, I said yes.

Not more than 24 hours later, after talking with sever colleagues, I decided that I wanted to reinstate the card. I used the chat feature on the app, and messaged a rep. I asked about reinstating my XXXX card. They were able to submit a request. The rep let me know that I would receive an email, as well as a letter in the mail in the next 7-10 days. I received a letter from American Express in about 7 days. It stated that they could not honor my request because of my FICO score. I was shocked. I have what is considered excellent credit. I used the business chat feature to contact American Express. This rep was a bit more helpful. They explained that they would submit a request for reinstatement. I would hear a response in 7-10 days, and see a {$25.00} fee on my card. 
Today, XX/XX/XXXX, I received another letter from AmEx, with the same information as the first letter. 

I am confused : I have fulfilled each and every one of my financial obligations. I have excellent credit. I have, in my opinion, been an excellent customer with American Express. 
I made the choice to close a card that I had met all obligations on, and had changed my mind, and decided that I wanted to keep the card. 
I feel that my business is not important to American Express. 
I am human, I made a mistake by closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/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 2016-12-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of 2016 I started a XXXX loan modification process with Nationstar Mortgage. When the final papers were drawn up they were inaccurate. They stated I was involved in active bankruptcy proceedings, which I am not, and that the beginning balance of my loan was XXXX, which it was n't. When XXXX XXXX transferred my loan to Nationstar my balance was XXXX with XXXX in escrow for taxes and insurance. I highlighted and corrected the errors and faxed the documents to Nationstar on XXXX XXXX, 2016 and they said they would look into it. Since that time I received a letter stating that my beginning balance was actually XXXX and was sent " amended '' paperwork to sign to finalize my modification and they were the same, and had not been corrected. I called and was reassured they would take care of it, which they have not done and they continue to robocall me morning and night and when I talk to the representative they are not aware that I am the XXXX waiting for them to correct their mistake. In the meantime I have made all my trial and modified mortgage payments on time. My XXXX counselor suggested I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I purchased a XXXX Golf R in XXXX from XXXX XXXX in XXXX, VA. I leased the car through VW Credit. At the end of my lease, I decided to purchase the car from VW Credit. Just before this, VW credit billed me for 12 Months of personal property tax on the vehicle for the 2019 year. I paid the 12 Month bill in full to VW credit. I purchased the car off of lease on XX/XX/XXXX. The property tax bill that I pre-paid was due to the County on XX/XX/XXXX. As a result of my purchase, the county notified VW credit that they were only responsible for XXXX Months of tax which they paid. The problem is that I had already paid VW credit for 12 Months. Since XXXX of XXXX, I been unable to receive ANY refund from VW credit whatsoever. Moreover, whenever I call them, they claim they can not see any payments, etc. and will have to make a request to their tax department and get back to me. They NEVER get back to me. This is theft. Their XXXX XXXX XXXX rating is a " XXXX  ''. Thats very bad for a lending institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortgage is the servicer of my home loan.I have been unable to get any information or answers from at least four loan specialists.I want to know 1 ) Who owns my loan-XXXX is the Trustee and they just had a $ XXXX judgment in favor of the American consumers.I may be eligible for some of that.2 ) The specialists also have not given me any alternatives for when my modification ends in XX/XX/XXXX.I have sent them six communications with all pertinent information and so far all they say is that I will be paying $ XXXX/month starting XX/XX/XXXX.This is totally unaffordable and this is my primary residence.Can you get someone at Nationstar to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting an account to my credit report with a balance that should not be on there. I paid off this balance more than a year ago and it is still reporting a balance to my credit. This needs to be updated or removed immediately.

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 2020-05-24
Company: FISERV INC.
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
This is a copy of a complaint entered at the Alabama AG site consumer protection site online XX/XX/XXXX, regarding thismatter : My wife and I recently received correspondence from Money Network Financial that included a VISA card embossed with our names. The accompanying literature stated in enlarged letters : " Here is your Economic Impact Payment Card enabled by Money Network. '' It takes reading the fine print and looking past the misinformation to understand that this mailing is actually an offer to open a credit account with Money Network. The enclosed printed literature even says, " This prepaid debit card is being sent to you on behalf of the U.S. Department of the Treasury in place of a paper check. This Card contains the money you are receiving as a result of the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ). Copies of mail literature forwarded by email to the Alabama AG ConsumerInterest email address. 


XXXX and XXXX XXXX XXXX, AL XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house in Florida is pending foreclosure ... I am trying to sell it ... My attorney and I have written Nationstar Mortgage and in two months ... they have refused to provide the payoff amount ... they prefer to seize the house and sell it at auction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am have had my American Express since XXXX never missed a payment and also paid in full then Im XX/XX/XXXX. I attempted to make a payment via online American Express website. The program state they were no payment due at this time. I called customer service and they confirm that was no payment due at this time.. The cards was then closed along with my two separate American Express other cards without any notices. I filed an complaint and I was told I will be not charged any interest and late fee while the matter is being investigated. They concluded the investigation in 25 days and confirmed that I there was an error on their part but they will not be able to reopen my card and I would have to pay the late fees and interest on the card and closed account. Second, Amerixan Express refused you refund my annual fees or reopen cards. They have cost my thousands and I this is gross abuse of power. I have been a great customer. And my card was closed through no fault of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: OH
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:
XXXX, XXXX, & Equifax, continues to report 2 dismissed XXXX XXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed XXXX does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The servicer will not allow me to short sale my home because the recent winning bid cancelled do to poor due diligence and realized they had offered too high. This is no fault of my own. This was the first auction that had the more realistic minimum bid at {$610000.00} and sold for {$750000.00} but the buyer saw the condition of the home ( after winning the bid ) and immediately cancelled due to the condition of the home. The previous auctions were for {$860000.00} as opening bids and received no bids. 

The servicer asked me to submit any offers and I did send the accepted offer ( there were many offers between $ XXXX- {$64000.00} at previous times. The accepted offer was at {$610000.00} and that buyer can still buy it but the servicer wo n't allow the sale unless by auction. 

I just want to sell it to avoid foreclosure and we have an accepted offer outside of the bidders from the recent auctions but none will pay higher than {$640000.00} due to the condition of the home. 

Normally sellers can accept and offer and present it to the banks for a short sale approval but to date there have been many mistakes by buyers and the bank ( none from the seller ) that have prevented the short sale to close. 

If the auction is done again or use the existing offer then a short sale can be accomplished and foreclosure can be prevented. 

I only want to do what is best for everyone but it has to be done correctly. Please contact my servicer and have them allow the short sale. 

Thank you auctions had been done in the recent past to obtain potential offers but the asking prices have been way beyond what the property is worth so there have been no offers at what the servicer has asked as the opening bids. The most recent auction started with realistic minimum bid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter was in a car accident in XXXX. She was hospitalized in XXXX at their hospital. She was covered by insurance and car insurance. The hospital accepted assignment of the insurance. I started getting bills from " XXXX XXXX. '' The doctor listed on the account was not one of the doctors listed in her hospital file. I was able to obtain, back then, the request from this " provider. '' The hospital went over this document and told me that this doctor listed is not a provider in their hospital. They also provided the hospital bill that showed the procedures done on her. The ones shown were not what was billed. They are trying to collect fraudulent charges based on an accident that happened almost 6 years ago. Besides that, my daughter was XXXX and a legal adult. This does not belong on my credit and needs to be removed immediately. I demand a cease and desist for the continued pursuit to collect on this. I have provided the only documents that I still have after 6 years. The original company declined to pursue it after I provided the paperwork proving that the charges were fraudulent and were not related to my daughter 's care.

Company response to consumer: Closed with explanation