BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America has several options for setting up autopay for your credit card. I selected to have the amount due paid each month 5 days before it was due. After several months I noticed I was being charged interest. Upon further research I discovered that amount due is actually the same as minimum amount due which is another option they provide. This is incredibly misleading and irresponsible by Bank of America. My research online revealed that many people have had this happen to them.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
i have tried to dispute these hard inquiries on phone with each credit company but they have not done anything for 30 days. it is causing my credit to decrease tremendously. i am already under bankruptcy for 7 years so that makes it hard for me to get collateral in my name so with these false accounts on my credit report, it is almost impossible to get a credit card to build my credit because of bankruptcy so i dont know why they are not disputing these negative and hard inquiries that dont belong to me. could you all please let me know what to do next so i can be in a decent standing with my credit. i have done everything knowledgeable to do. this is my last step.

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 2023-06-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a letter on XX/XX/XXXX from chase Bank stating that they put my account and my daughters account on restriction. I called the bank and they said I deposited a XXXX check into my account last week and it can't be verified. Well I told them the number is on the check. I contacted Chase Bank on XX/XX/XXXX and asked about the check and explained that I did not want my account closed because they're threatening to close mine and my daughter 's account over this XXXX check I deposited on XX/XX/XXXX. I've called 2 different people today, XX/XX/XXXX and got told once again they can't verify the phone number to Burls because it doesn't come up in the system... but it is the ONLY number for XXXX XXXX XXXX. The Bank was very adamant about the number having to come up in their system to verify. This is ridiculous. Now I'm not going to get my XXXX is what chase Bank told me as they are bouncing the check when it is a GOOD/Valid check. Burls even said they have never heard of this happening. Burls even reached out to chase bank and left a message for them to call them back. So I need help! I just want my XXXX to be in my account. I'm a single mom and needed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT CORRECT ^^^ADDRESS, REMOVE ALL ADDRESSES ABOVE ^^^ XXXX XXXX XXXX Closed. {$530.00} past due as of XX/XX/XXXX. 
{$8300.00} XX/XX/XXXX Recent Payment XXXX XXXX XXXX NEVER LATE XX/XX/XXXX XXXX XXXX XXXX Closed. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I obtained a car loan from consumer portfolio services in XXXX of 2012 after paying for 8 years with few late payments which were always paid the principal never went down I finally Gave the car back now there coming after me for XXXX Ive paid them over XXXX dollars can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX CHILD SUPPORT XXXX XXXX Balance {$0.00} CHILD SUPPORT XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/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 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 88 XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After weeks of applying, XXXX with XXXX from which my mortgage was transferred to Nationstar, I was approved for a loan modification. First, my mortgage total amount was increased by approximately {$20000.00}. from the original amount. I thought that the modification was for the life of the mortgage, however, my mortgage payments have increased by over {$250.00} since it 's inception.and is scheduled for yet another increase in 2016. Once the increase was supposed to be for escrow shortage even though the expenditures had been met. When I try to reach the bank for clarification, the connection is dropped and clear and direct answers are never in writing. I have not missed a payment in five years, however I am besieged by by calls as early as the XXXX until the payment is posted. Since XXXX of the qualifications was that you have to be in foreclosure, shopping around for a less predatory and transferring my modification is not an option. What other options are available to me? I am a senior citizen who is retired and became XXXX about XXXX mos. ago. Because of the initial increase, my house value has been under water for the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: NATIONSTAR MORTGAGE LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a trial period of loan modification HARP. My mortgage was sold. Mortgage company will not send a statement. I sent my payment to the address on time. They will not acknowledge my modification, and take my payment and wo n't apply to loan. they say I 'm 49 days overdue. It is absolutely impossible to get a human being on their telephone, you can go around in the same circle for hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Im filing this complaint due to XXXX XXXX XXXX XXXX, XXXX, XXXX and Transunions failure to refrain from reporting information pertaining to my XXXX XXXX XXXX XXXX account. I demand they immediately delete the late payment verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial distress and can not obtain access to capital because of this unauthorized reporting. I have been denied credit on every application I submitted because of these reporting tactics.

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 2018-02-28
Company: RAS LaVrar, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RAS laVrar , LLC responded to my previous CFPB complaint # XXXX however the response was not adequate to what I requested in the last response. RAS Lavrar , LLC indicated that they were updating their files to cease all communications with me, in which I never requested, however I requested for RAS LaVrar , LLC to not come out to my home address and they avoided giving me a response to that request. Also RAS LaVrar , LLC indicated that lawsuit was filed against me, in which I was already made aware of that matter, however I requested for the lawsuit to be dropped against me and I never got a detailed response to that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late Show closed ( 4 ) OTHER LOANS XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$730.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention

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 2020-07-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I made a XXXX transaction, paying someone, and XXXX informed me of a 3 % transaction fee for using my credit card on XX/XX/2020. I do not dispute that charge for a total of {$250.00}. 
However - unknown to me - Citi Cards considers XXXX transactions to be a Cash Advance. In addition they charge interest on Cash Advances " that are not paid immediately '' even when the consumer does not know they existed. 
As I just learned today, XX/XX/XXXX, on XX/XX/XXXX Citi posted a Cash Advance fee of {$12.00} as a percent of the XXXX transaction, and IN ADDITION, interest at a usorious rate of {$0.00} also posted on XX/XX/XXXX because ( per my phone call with their rep ) I had " not immediately paid the cash advance ''. 
I note further, that my Citi credit card bill was paid up in full prior to the current month. 
I called Citi today and they said " that is a known issue with XXXX ''. However Citi refuses to remove these charges. 
Furthermore, I have a concern that they will report my " getting a cash advance '' ( no cash was ever involved ) and that this has adverse implications for my credit score.

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 2015-08-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
FORECLOSURE FRAUD CONSPIRACY. PLEASE HELP INTERVENE.. THANK YOU, CFPB. 

Attached documents for your examination ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: NATIONSTAR MORTGAGE LLC
State: IN
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:
This is the fourth complaint against my bank on a VA loan, mortgage which payments started being made  XXXX XXXX. This is my fourth complaint against XXXX/Nationstar in failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my VA mortgage loan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX/Nationstar. Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX/Nationstar, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my VA mortgage loan submitted to the appropriate credit bureaus. Each time, I call XXXX/Nationstar, they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX/Nationstar is not reporting nor showing all of my payments that have been made on my VA mortgage loan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a dishwasher from Home Depot recently, within 2 months, and I have had issues with the way it was installed and some of the sound proofing flowed out of the machine after I found the door cracked due to the installation of the dishwasher. The installers apparently removed a small piece of molding that ran beside the dishwasher and it got caught in the door. When I ran the dishwasher, when I returned home there was water all over my flooring. The molding is now discolored. I have tried to contact the store and at first could not get anyone to even answer the phone in the appliance department. I finally spoke to the store manager and an assistant named XXXX. They promised someone would contact me, which has not happened. I purchased the dishwasher due to a leak and now my new dishwasher leaked on my hard wood floors and is now damaged.

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: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$79.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$8300.00} XXXX XXXX Balance : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to see dispute results on Experian 's website and I am also unable to get my credit report on Annual Credit Report.

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 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
For years I have been a victim of Identity theft. Ive had over 30 fake collections apply to my credit along with insurance with logging into my online bank to pay bills because of hacking and inaccurately displayed information.

Please contact in regards to the matter.

Company response to consumer: Closed with non-monetary relief