BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 never heard of this debt. I monitor my credit with XXXX and in XXXX of 2023 or so I received notification that this account was posted to my XXXX  and XXXX report. The supposed amount owed is {$1500.00} withe Bank Of America. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a identity theft affidavit after my purse was stolen. My identity and social security card including my ID cellphone were stolen and used to open up 3 fraudulent accounts that are on my credit. The credit reporting agency XXXX did not fully investigate my issue and they failed to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 Account Number : XXXX Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi my name is XXXX XXXX Somebody use my information on credit buy stuff Best buy city bank XXXX XXXX I tried to dispute but they refused... 
It drawning 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 explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payment was mailed by check on XXXX deposited into a Capital One account on XXXX with my account reference number on the check. Payment not credited to my account. Interest and late fees occurring. No assistance from agents that answered the phone. Was not provided an email to send documentation of payment. Asked repeatedly for email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage LLC. ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) received the mortgage payment in full on XXXX XXXX. XXXX. As of XXXX XXXX, XXXX, the Reconveyance Department of Nationstar Mortgage have not released the lien nor provide an clear, rational explanation for the lengthy delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Applied for a HELOC with Navy Federal Credit Union for the amount of XXXX. This amount was only a small fraction of the equity in my property. The XXXX was XXXX but NFCU wanted me to pay for an appraisal. I paid for that service and of course the apprising company out of XXXX  XXXX SC numbers were less at $ XXXX. I disagreed with the numbers submitted but the loan originator basically said move on from it. A number of documents were requested and sent ( taxes, incomes, insurances, and much more ). Some of the documents were being requested more than once or twice. I told the loan originator, I felt this was over for just a HELOC. Over the last few years, many accounts were opened with no problem. Credit card and vehicles loans were approved in minutes. Credit cards with limits of XXXX, vehicle loans XXXX and XXXX, respectfully. The XXXX vehicle loan was paid of early. My credit score at the time ranged from 790-812 with the three reporting agencies. The loan originator told me that her calculations showed that my debt to income was 55 % the reporting agencies at it from 26-30 %. I offered to send it but was denied stating, she is going with whats on her computer. I do my DD before applying for anything and have other accounts with other financial institutions, no problem. I applied for a XXXX personal loan ( 11.19 % ) and was approved within 24hours with NFCU a few days later. I took on higher interest rates because of this denial. The payment for the personal loan is greater than what the HELOC would have been at the time with low interest. {$420.00} per month. By the way, NFCU always send a message to my account noting my excellent payment history. But I still got denied for a HELOC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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.

This accounts and Inquiries has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically TransUnion and XXXX to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive been a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-07-29
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in the process of trying to get a loan modification with Nationstar Mortgage.I was approved for a modification when my mortgage was with XXXX.Only to have XXXX transfer my mortgage to Nationstar and I had to start the process all over again.I submitted all my paperwork into Nationstar only to have them continue to say I was missing items. ( All items requested were submitted ) After submitting my paperwork over 16 times I had no choice but to file for Chapter XXXX.I am now again trying to modify my mortgage outside of my BK and wanted to know is their someone that I can work with from start to finish to complete this task correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Re ; loan # XXXX Over the past years Nation Star assumed servicing of my home mortgage from XXXX ( XXXX ), who assumed it from XXXX XXXX XXXX XXXX XXXX XXXX, who assumed it from XXXX who was the original bank on XXXX/XXXX/XXXX. XXXX invited me to a loan mod out reach event in XXXX RI years ago when they serviced loan in which they identified mine as " preditory '' however were unable to help me after it was determined the " investors '' didnt participate in a program of relief for my product ...??? 
Over the years since XXXX no servicer has honored my adjustable rate rider terms which was to drop my rate annualy & calculated an inflated arrears amt since I fell behind in XXXX that year. This inflated balance has also effected numerous in house loan mod denials as it throws off ratios. Last month Nation Star falsely claimed {$350000.00} amount in arrears on my loan mortgage ( if determined to be valid ) is incorrect. At time I fell behind in XXXX XXXX my principal was around $ XXXX & now I 'm informed its $ XXXX along with this additional $ XXXX in arrears! 
In past servicers such as XXXX & your own co. had indicated the wrong interest rate at 6.75 % beyond XXXX XXXX. My rate was to be fixed for 5 years per my adjustable rate rider originally signed with XXXX. Effective XXXX XXXX it was to have adjusted to 3.75 %, 2.875 % on XXXX XXXX, 2.75 % XXXX XXXX, & 3 % XXXX XXXX. Bank XXXX acknowledged the XXXX rate adjustment in XXXX prior to XXXX servicing the loan. Sls had acknowledged the rate however it was not consistently correct on statements nor in calculations as with your co. Although they now finally indicate the correct rate is being applied currently ; I retained a CPA who can not substantiate a past even less recent aggregate amount. In the past I had an Attorney, a CPA, & myself requested a review of this matter as well as a corrected amortization schedule. I no longer can afford to pay an attorney & CPA to make sense of the aggregate as its a waste of time & the Bank is unable to provide adequate info nor substantiate past inflated amounts. 
Ive requested they rectify this issue & recalculate this aggregate as well as provide an amortization otherwise I 'm trying to secure a loan mod on an inflated erroneous amount. In past I 've been denied numerous loan mods for for reasons related to insufficient income or not enough disposable income ; which this inflated aggregate is effecting the ratios on. I was most recently denied a few days ago & once again am facing foreclosure. Please Help me & my family. " Thank You ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-31
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Complaint I file against Comenity Bank with the Virginia Attorney Generals Office ( AG ) on XX/XX/XXXX was initially accepted. However, I received a letter dated XX/XX/XXXX instructing me to file with CFPB instead ( attached ), below are brief descriptions of my Complaint and attachments. 

I started complaining to Comenity Bank that my XXXX XXXX credit card account ( XXXX ) was being mismanaged and overcharged starting in XXXX XXXX by phone, email and U.S. mail ; our written Correspondences are attached ( Correspondence pgs. 1-8 ). My letter dated XX/XX/XXXX with receipts dated XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX ( pgs. 1-3 ) illustrate when the problem started ; I purchased two pieces of jewelry from XXXX XXXX in XXXX, VA on XX/XX/XXXX, returned one on XX/XX/XXXX after finding it at another store for about 50 percent less. After receiving the XXXX bill, I realized the payment plan for the two pieces was still in effect for the one piece, I wanted the plan changed since the one piece was eligible for an interest free payment plan. I went back to the XXXX store and as the attached receipts dated XX/XX/XXXX show, the store manager/saleswomen returned the remaining item and sold it back to me on an interest free payment plan. 

I havent purchased anything from XXXX since XX/XX/XXXX and the attached Statements dated XX/XX/XXXX XX/XX/XXXX ( Statements pgs. 1-20 ) shows the issue was never corrected, i.e., finance charges were/are still applied making the total I owed still over {$3000.00} ( I attached the first page of statements XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, but noticed when preparing the submission for the AG, that some finance charges were returned on statement XX/XX/XXXX, therefore I printed out that entire statement, the returns were made after my letter dated XX/XX/XXXX in which I indicated that I copied the XXXX XXXX XXXX, which I didnt ). 

At this point, I am beyond frustration and decided to stop making payments in XX/XX/XXXX, after which I received a number of texts, phone calls from blocked numbers and with no voice message. I was finally able to return a call and speak to a representative on or about XX/XX/XXXX from a message left that day. During this conversation, I informed the representative the I asked a third party to review my account. 

I appreciate your attention to this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: LEXISNEXIS
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a XXXX XXXX XXXX that do not suppose to be on my credit report. I contacted the Bankruptcy court and they provide me with a letter stating that they did not report my information to any credit bureau. I have contacted Lexis Nexis several times to get this item removed from my account and it still on there. Could you all please step in this matter to help me get it resolved quickly. If you need any additional please do not hesitate to contact me. My email address is XXXX. Thank You.

Company response to consumer: Closed with explanation