BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Missing disclosures in Mortgage closing : XXXX # XXXX # XXXX NC Treasurer Unclaimed Property : Mortgage Escrow Reimbursement # XXXX Real Estate Lawyer Review : XXXX XXXX XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit profile I found a company, Portfolio Recovery Associates listed on it. I DO NOT recognize this debt or the amount they claim I owe and therefore, I immediately sent that company a debt validation letter on XX/XX/2021. Because I sent the letter certified, I am able to see that they did receive it on XX/XX/2021. They mailed me back a copy of a statement balance showing NO ORIGINAL INSTRUMENT OF INDEBTNESS such as an original signed contract, a balance sheet from {$0.00}, or the terms and conditions of the alleged debt. 

I mailed a 2nd Validation letter to the collection company, Portfolio Recovery Associates, yet again asking them to validate the debt and they responded with the same documentation.

This is defamatory to my credit profile and the lenders that may potential view this as negative. Additionally, this is against the FCRA to continue to report UNVALIDATED debt on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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:
My credit card has been closed for some time. I had a card and my mother, XXXX XXXX was an authorized user ( card XXXX ). My mother was making payments since I authorized her use of the card. The payments have always been made in a timely manner. One payment was made for {$40.00} on XX/XX/XXXX via the XXXX bill payment. This payment was returned to XXXX stating an incorrect account number. The number was correct, she has a card with a different card number but linked to the same account as me. XXXX, made the payment via USAA website payment option on XX/XX/XXXX for {$53.00}. 
This returned payment caused late fees to be assessed each month beginning in XXXX through XX/XX/XXXX. Some for {$35.00} as well as several for {$25.00}. 
I began reaching out to USAA in XX/XX/XXXX, requesting assistance to lower the interest rate on this card since I was experiencing a financial hardship, as was my mother. 
I have sent 3 letters to USAA making this request and they only respond by sending a letter stating the account is 3 payments past due and they will turn it over to the collections. I am willing to continue the payments that have been made, however, the balance and payments are now increased to the point I can not make the minimum due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 pulled my consumer credit report and found an inaccurate account listed. I've made several attempts to dispute this negative, erroneous, and unverified account by USPS Registered Mail. I ask that this re-aged account be immediately deleted. This account is hindering my ability to obtain funding, tradelines, and causing me to pay higher interest rates. This violation of the Fair Credit Reporting Act ( FCRA ) should be remedied. This account is also reporting differently on all 3 Major Credit Bureaus. 

ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed Ally Financial a Cease and desist on XX/XX/2023. I received proof of mailing on XX/XX/2023 that it was signed for and received. Since then I have received text messages requesting payment. I have attached the text messages and the return mailing label as proof that Ally Financial did receive and should honor the Cease and Desist that was mailed to them and that they are in violation. They are now communicating with me without my consent. According to the FDCPA, pursuant 15 USC 1692k unauthorized communication is a violation of my rights as a consumer.

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 2023-06-11
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX  is a closed account that was paid in full and is still reporting late payments XXXX, and XXXX. 
According to the Fair Credit Act this illegal under. I have written three letters to get this account updated or removed and account still shows on my personal credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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:
Equifax has violated my right to privacy and was never given consent to furnish or create a report using my nonpublic personal information. 
Because of the relationship that Equifax has with financial institutions, they fall under having to abide by the codes that congress has set for financial institutions as well, title 15 chapter 94. Pursuant to 15 USC 6827 ( 4 ) ( A ), The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution, Equifax is operating as a financial institution based off of the relationship that they have with financial institutions.

Equifax has failed at assuming the grave responsibilities of fairness, impartiality and respect for the consumers right to privacy, pursuant 15 USC 1681, congressional findings. Equifax did not have permissible purpose, 15 USC 1681B, to furnish or create a report using my nonpublic personal information, 15 USC 6821.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for credit with XXXX XXXX. The letter of denial stated that one of the reasons for denial was too many credit inquiries. XXXX XXXX pulled my credit from Experian. After checking my Experian credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX The only authorized XXXX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by XXXX XXXX XXXXXXXX  on XX/XX/XXXX. Here, I was signed into my existing XXXX XXXX credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled Experian Business Cred on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my Experian file online and Experian said I needed to call them to dispute inquiries. When I called Experian on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called XXXX, they told me to call Experian because they are the credit reporting company and they need to remove it. When I called XXXX XXXXXXXX XXXX, they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.

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 2021-04-12
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I had sent a letter, which was delivered on XX/XX/XXXX by certified mail, to Commonwealth Finance regarding an entry on my XXXX, XXXX, and XXXX credit reports and requesting proof and validation that an alleged debt of {$360.00} from XXXX of XXXX belonged to me along with documentation that I have a legal obligation to pay, in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692g Sec. 809 ( b ) On XX/XX/XXXX, I received a letter from the aforementioned company dated on XX/XX/XXXX, verifiably after the 30 day requirement to produce consumer requests established by the Consumer Financial Protection Bureau ( CFPB ), which was accompanied by a supposed bill that provided neither proof of ownership nor validation of the alleged debt. 

Copies of my initial request of validation with certified mail receipt and the company 's tardy response are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received two debt collection invoices in the mail. I tried contacting the debt collector and they referred me to the company, XXXX XXXX, who services utilities in Texas. When I called, they located the two outstanding debts and another account that was opened today in my maiden name. I asked the agent how they were able to open my account and she stated that these people have my social security number. 
I asked the agent what else they provided because according to there website they need to provide other proof of identity. The agent stated that she doesn't know how people are fraudulently opening accounts with just my social security number. The agent then asked me to open a claim with the FTC and to file police reports. Once I have them, send them to the company for review. 
1. XXXX XXXX in the amount of XXXX XXXX. XXXX XXXX in the amount of XXXX XXXX. XXXX XXXX account that was opened today and doesn't have an amount owed yet. 

These debt collections have affected my credit score. I have FROZEN my accounts with the credit reporting agencies, and I've frozen all my accounts. 

Please advise what to do next, this isn't the first time. I had to deal with this in XXXX of last year, I don't know what else to do in freezing my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this is a very old debt that was bought by a collection company and they call me XXXX and XXXX  and i cant even talk to them except to tell them not to ever call me again and the next day they are calling this acct was closed years ago they are pests and driving me crazy they need to be stopped all my credit acctstoday are paid on time XXXX XXXX has helped me double my credit score in 3 months or lessshould be over 800 now XXXX was XXXX  thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Friday, XX/XX/XXXX, rec 'd fraud alert fr BoA ; texted last transaction legitimate. Block not removed ; called, advised wait time long, would call me back. Bank called back, call immediately disconnected. I immediately called back, learned long wait time, hung up as I was at work. Went to branch same day ( XX/XX/XXXX ) XXXX XXXX appt, branch called Fraud Dept. Block removed, used ATM, went up street ; card declined. Now after XXXX XXXX ; branch closed. Called Fraud Dept yet again, reached someone, call disconnected. She called back, said they couldn't figure out what wrong ; put on hold so long call rerouted to main number, I hung up, they never called back. Next morning XX/XX/XXXX went to branch AGAIN, withdrew all . Card still blocked ; on XX/XX/XXXX WENT TO BRANCH 3rd TIME IN 5 DAYS. Branch called Fraud Dept 3RD TIME IN 5 DAYS. Block allegedly removed. Next day XX/XX/XXXX card blocked again ; guy in Fraud Dept said he'd see if block could be permanently removed. On XX/XX/XXXX card still blocked ; branch advised only thing they could do is issue new debit card. Called Fraud Dept same day ( XX/XX/XXXX ) ; tried using debit card online while waited on phone ; card still blocked ; Tech Support advised " didn't see any transactions since XX/XX/XXXX '', that card not blocked, yet still doesn't work. IT IS NOW 7 DAYS IN A ROW I HAVE ONLY BEEN ABLE TO ACCESS FUNDS BY GOING TO TELLER AT BRANCH, AND I DON'T OWN CAR. Advised Tech Support I would be filing CFPB Complaint. I just recently filed/resolved CFPB complaint ( # XXXX ) and wondering if this is retaliation for previous CFPB complaint.

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 2023-06-11
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 privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Debt Buyer {$10000.00} Balance as of XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: CITIBANK, N.A.
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, I am reopening a prior complaint XXXX Citibank failed to properly codify the Tax Status in my Savings Account. As a result the began to wrongfully withhold taxes. I spent an entire month resubmitting the documentation and calling Citibank to correct this error. Citibank kept ignoring me and claiming they had not received any documentation for the entire month. 

I opened the complaint mentioned above, and Citibank quickly found and processed my requests. Thy responded as part of the resolution they would be refunding me back the taxes that were wrongfully withheld. 

But now that they complaint is closed, they are not complying with their commitment or resolution. In their response they agreed to refund me back by XX/XX/19. No refund has been received. I have been calling them daily to inquire about this matter. But they keep mentioning I must wait until next year and request the reimbursement from the IRS. This is illogical. I am a XXXX XXXX resident and do not have the requirement to file a tax return with the IRS.

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 2017-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
OnXX/XX/XXXX, Capital One pre-approved my husband, XXXX XXXX XXXX, for a Secured Master card for his use while travelling in XXXX. He was to be gone for XXXX weeks. Since he wanted a large credit line, on XX/XX/XXXX, we electronically sent Capital One {$340.00}. The card was never issued so XXXX XXXX left on his trip without the card, returning at the end of XXXX. 

On XX/XX/XXXX, further contact was made to the company to have the card cancelled and the monies returned. They requested proof of his address and identification which was scanned/faxed to them at that time. No further communication from them was received. 

In XXXX and again in XXXX, more lengthy phone calls ( hour long calls ) were placed and different responses about the " lost '' funds were received in each phone call. 

On XX/XX/XXXX, another call was placed to Capital One ( XXXX minutes long ) and the agent came back stating the the {$340.00} was refunded to our same XXXX XXXX XXXX account on XXXX XXXX, XXXX. 

This morning I phoned XXXX to verify this and after XXXX minutes on the phone, they verified that this has not taken place. 

PLEASE, help. We are out the funds and out of patience! 

XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We had mortgage XXXX with Mr Cooper ( formerly NationStar ) and we closed it two months back. Now we are trying to get a home but our credit reports still show that loan as open and it is preventing us from getting a new loan. 
We called them to address the problem but instead of fixing right there, they offered us to send an e-mail to one of their departments. We also sent a message to their support team, but we are still to hear from them. 

We appreciate any help you can bring about this issue. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been disputing a bankruptcy with listed on my account XX/XX/XXXX with XXXX, TransUnion, XXXX, and XXXX. I have also disputed an address listed on TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since 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 2023-01-26
Company: Netspend Corporation
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I lost my account due to a phone and data information last hour a stolen information incident where my phone went missing and somebody else logged onto my account and has changed my information so I can no longer access any of my money or my money flow I would really appreciate some help and I don't know how to get it from anybody without going through a Consumer Legal associate.

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 2021-10-05
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis nexis, XXXX, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.

Company response to consumer: Closed with explanation