BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: FL
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 have a closed account on my report : XXXX XXXX credit {$2300.00} Acct : XXXX I recently inquired about this account with both XXXX XXXX and XXXX XXXX XXXX  XXXX and XXXX  XXXX 

None of these companies were able to assist me. I wrote them deletion letter in XX/XX/2019. Still no response. 

This account that has been closed is affecting my credit report. Due to covid I have to move and look for another job. I would like this negative remark removed from my account. 

Thank you

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  XXXX Account XXXX Account Name : XXXX  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 2015-11-25
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXXIn XX/XX/XXXX, After the economy sent our business in a downward spiral, although I really did n't want to, we had to attempt a loan modification. Our loan was sold to XXXX then to NationStar. XXXX DID put us on a trial basis for a loan modification, asking for XXXX payments before approval. When it was time to send the XXXX payment, they sold the loan without notice and the payment was returned therefore, NationStar said they did n't get that money in time to qualify for a loan modification. Also, Nation Star said there was no escrow which was indicated on XXXX 's loan paperwork. They said they had no idea about this matter and that money was in XXXX 's hands. Every time I attempted to call NationStar ( it always took XXXX calls to finally get someone ) for information and payment arrangements, I was given a different representative. Many times the person I spoke with was degrading and rude when I would ask for a look back at the last phone conversation. The response was " we do n't keep records of the last phone call ''. This happened many, many times. No one would help us get a modification. We did fill out at least XXXX loan packets and each time something was missing - not in reality, but I can promise you we had everything in ALL the packets. 
It was as if there was a scam going on. Because I could not afford the time or money, I reached out to my Congressman and the Attorney General 's office for assistance. I did not get any answers but they did take my information and said they had many complaints from these companies. It was a joke to them but in XX/XX/XXXX, the home we built on XXXX acres of near our family and lived in for 15 years, was foreclosed by Nation Star - losing our home was devastation and heartbreak. The only thing that stands between us and starting over, are the names of these crooks on our credit report! 
My only request is not money or a lawsuit, but to have XXXX AND NATIONSTAR do what is right and take the foreclosure OFF all three credit reporting agencies. They TOTALLY messed around with us. In my heart I no one ever planned to help us get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is currently in foreclosure with an auction date of XXXX. The nationstar agent and i reviewed my transaction report and agreed i am no only current but ahead of payment schedule. They said they could not complete due process by the XXXX date and the only alternative, given the time frame, is to send them almost XXXX. I began in XXXX trying to find out why they think i owed them XXXX. It was the last of XXXX when i received a foreclosure letter. I have documentation but the form will not allow me to upload it.

Company response to consumer: Closed
Consumer complaint received 2021-03-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 Account # XXXX XXXXXXXX XXXX Account # 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 7 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 2019-01-22
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
During 2018 many unauthorized transactions occurred through Square XXXX amounting in the theft from my checking account of many thousands of dollars. I have contacted Square XXXX 7 times over the past month and they do not respond properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a used vehicle from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) in the last couple weeks. There appears to be only minor issues with the vehicle ... rather, my complaint is in regards to their handling of my financial situation as it relates to the purchase. Here is a bullet point list of issues as they stand as of this writing : ( details in contract attached ) * The finance guy, XXXX XXXX, said " Oh, and the warranty is included '', however, after having been rushed through the paperwork, I reviewed it upon finalization and it is NOT included, it was added on ... over {$2000.00}. 

* XXXX XXXX also added roadside service, at my expense. ( both this and the above are OPTIONAL and I was not properly informed of them being added let alone given the option to select or decline. 

* The agreement between myself and XXXX XXXX ( salesman ) and his manager ( XXXX XXXX  last ) that I could take possession of the vehicle and pay the down payment of {$620.00} by XX/XX/2019. Today ( XXXX ) I discovered a withdrawal from my checking account for {$310.00} that I did not authorize! 

I phoned XXXX XXXX who said he knew nothing of this transaction of # XXXX from my account today, but assumed it was his 'business office ' and they were closed until Monday ( XXXX ) so nothing could be done until then. I told him that was not acceptable, that this needed to be rectified immediately. He said it was impossible. He suggested I speak to the dealership manager and took my name an number and said he'd ( the mgr ) would call me back. As of this moment XXXX XXXX, the dealership is closed and I have yet to receive a call! 
The used car division of XXXX is on the same property as the new dealership, to the west. This location, I believe, is occupied by personnel of the Credit Acceptance company. Thus, I believe they are acting in concert as it certainly seems that XXXX must be well aware and thus condoning, supporting and encouraging the activities of Credit Acceptance.

If I am correct in that the personnel at this location are Credit Acceptance employees, then it is them who added items to my loan without agreement or consent and committed consumer fraud through subprime lending practices. 

The location information I have provided is for the Colorado location in XXXX as I don't know the home office address of Credit Acceptance.

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: 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$700.00} ), XXXX XXXX XXXX BANK ( Date Opened XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX BANK ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$6300.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$980.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$670.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-03-11
Company: CBC Companies, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/21 hard inquiry was posted on XXXX XXXX, what inquiry was for and who made this inquiry is unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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:
I have 34 inquires over that last 6 months that are not mine or have been fraudulent

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 2020-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent charge from XXXX for a laptop computer, price {$2500.00} charged to my Capital One Credit card. I reported the fraudulent purchase to Capital One and upon their investigation they declined to remove the charge from my credit card. From my discussion with the capital one fraud investigator their investigation indicated that the computer was delivered to me by XXXX at my home and I signed for it. I told them I did not order or take receipt of the XXXX laptop. I filed a report to the XXXX County Sheriffs Department ( XXXX GA ) to which the case was assigned to Investigator XXXX ( case # XXXX ). Investigator XXXX visited the XXXX office to review the video but was informed the video was erased. He was informed that the package was picked up by a person at the XXXX office and not delivered to the address listed on the packager per request of the perpetrator. XXXX shows the signature to be signed by the XXXX office person ( of which I have a copy ), they also did not request proper identification when being picked up. I called Capital One and sent them the information ( copy of signed receipt indicating not delivered to my home ) and request they call Investigator XXXX. I also asked why they did not call me when the order was made since it was a large and unusual order as they advertise-they said they are not obligated even though my account setting request that they do so. They sent me final resolution " I've found no indications of fraud ''. I sent numerous requests which to date have been ignored. I subsequently paid Capital One the {$2500.00} plus interest while disputing the charge to avoid hurting my credit score. Note that I have a credit score of 815 and would never order something with intent of not paying. I hope you can assist or include this complaint in their file. Capital One is too big and as a consumer I have no recourse except to file a complaint. If you would like copies of my file please let me know XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We have currently been in the process of a Deed in Lieu since XXXX of 2015. The last information we received was that the paper work was being drawn up. I was told this on XXXX XXXX. My loan POC is XXXX XXXX at ( XXXX ) XXXX. I have not been able to get in contact with him for two months to get an update. I have called several time and left several messages. This is has been an ongoing issue that seems to be an attempt to get me to give up on the pursuance of the Deed in Lieu. The last time I received an update and the status of my Died in Lieu was updated was after the CFPB intervened. I was informed that I needed special paperwork signed and notarized to move forward. This paperwork was submitted on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: National Credit Systems,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:
XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Nationstar Mortgage has not been posting and keeps correct recordkeeping of my monthly payments. As early this year ( XX/XX/XXXX ) I faxed proof of XXXX payments that had not posted of cancelled checks that was cashed by Nationstar that was not posted or counted for on my account. They still have not corrected the issue as of yet. My bankruptcy attorney ( XXXX XXXX ) has also contacted them to help clear this issue. They have added money into the escrow, which did not need to be added. I have been in the process to sell my house all year. I keep getting final payoffs with additional things applied and several different explanations from their employees about the final payoff. I had filed bankruptcy chapter XXXX in XX/XX/XXXX which my house was not included in the case. I am getting explanations from Nationstar that the trustees has a hand in this. Also my attorney tried to apply for a short sale on the property. They kept saying they did not get documents, in which the short sale was done through the equator system by my attorney. Nationstar did not inform us that were denied until I called them. My attorney has clarified it does not have anything do with me filing bankruptcy and it does not show in the XXXX system that the house is included in my bankruptcy I am very frustrated because I stop mailing in checks and have been calling in my payments bi-weekly with adding an additional {$19.00} to make sure the payments are posted. Nationstar does not keep accurate records of mortgage payments being made and do not follow-up conversations to help you out. The same person does not resolve or help you with your issue. They had disconnected me several times to come back to the phone and help you out. Very bad customer service helps when trying to expedite and resolve an issue. All I need is to get a correct and reliable payoff statement so I can sell my house. Please help me I am stressed and tired of calling and explaining this same issue for months. They full of not telling the truth about your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates failed to properly validate the debts. The FDCPA states that the debt collector must contact the original creditor to affirm the debt amount being requested is correct. Portfolio Recovery Associates failed to prove it has the legal right to collect money on the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CAPITAL ONE FINANCIAL CORPORATION et al continues to violate and threaten and or infringe upon my rights with the continued harassment after using a misleading statement to further injure my access to the account to manage the discharge of debts before the final date next week to divert the threat of a civil action and notice of lien on my property and including the accruing additional charges incurred by a creditor against me so this avoidance to comply with the American Disabilities Act Title III public accommodations non-compliance necessary for the online access to the available transaction service features.

The first letter with an explanation was a lie not an error.

Doe admits he used mail fraud, a deceptive practice and has perjured himself by submitting false and misleading information via federal telecommunications and directly to a government website as demonstrated in the Capital One letterhead attachment to his online responses.

Company response to consumer: Closed with explanation