BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX XXXX XXXX BANK purchased our mortgage loans from XXXX XXXX XXXX. Since XXXX 's purchase has been battle between lender and borrowers. Finally, after a long battle, on XXXX XXXX, XXXX under the Home Affordable Modification Program ( HAMP ) we were qualified to reduce our monthly payment for a fixed rate until Nationalstar Mortgage ( in this year ) got our loan from XXXX. 
Right away our monthly payment made a drastic jump from {$1000.00} plus to {$1200.00}. On numerous occasions I have tried to discuss the situation with the office manager, but he or she is unwilling to cooperate. Finally, I spoke to a loan specialist explaining me it because " California had tax higher collection '' and we need to maintain some amount in XXXX to " pay city '' tax. I was off balance because where they gave such of increasing. They have not sent us a statement or affordable application XXXX. I want to know : If there was an agreement left from XXXX Why they refuse to give us an enclosed ( purchase agreement between XXXX and Nationstar? 
Why they are offensive Why the monthly payment has increased besides escrow. 
In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : My personal information was leaked from my company. Thus, I have identity theft on my credit which is affecting my XXXX score. Bank of America and XXXX credit cards are not mine nor have I ever done business with these merchants. My XXXX score has always been over XXXX and because of identity theft this is negatively impacting me. My credit file needs to be updated accordingly. Thank you in advance. 

XXXX XXXX XXXX E-mail : 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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 2023-09-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting 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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: U.S. BANCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened a business checking account with US Bank on XX/XX/XXXX. Made deposits in XXXX and XXXX to the tune of {$15000.00}. Made a credit card payment on XX/XX/XXXX. However when I tried to make a withdraw at the end of XXXX the account was frozen. I immediately called US Bank, who told me my account was under fraud review and frozen. I called back the first week of XXXX, and was told the account was due to be closed, and a letter would be sent my way with a cashiers check to follow. It is now XX/XX/XXXX and I still have not received a letter explaining the account freeze, nor my monies. I called twice more in XXXX and the first week of XXXX, always being told the account was under review, and I should receive the funds shortly. It's been over 45 days and I still don't have access to my account, money, nor a written letter from US Bank.

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 2023-09-23
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: Report provided to employer without your written authorization

Complaint:
I'm here today to talk about my recent experience with a XXXX dealership. In XX/XX/2023, I went to a XXXX dealership to lease a car in my own name. The dealer asked me if my credit was good enough and I showed him my bank 's credit score report. He said that I would definitely be approved for a lease in my company 's, due to my high XXXX credit score. 
Unfortunately, a few months later, I noticed that the dealership had made a couple of hard inquiries on my credit report without my consent. This was completely unnecessary, as I had already shown them my credit report from my bank. It's important to be aware of any hard inquiries that have been made without your authorization. 
and it was done on two different dates ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Maximus Education, LLC dba Aidvantage
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Spoke with XXXX XXXX XXXX who stated I am no longer on Forbearance and was placed back on the IBR plan. Since XXXX the balance has accrued XXXX in interest which is ridiculous. I was informed no interest would accrue while the BDR apps were in administrative forbearance and still processing on the Dept of Education website. Not completed yet for the Sweet Vs Cardona case. Also the tradelines for the balance that was forgiven has not been updated since XX/XX/XXXX. We are now in XXXX. I was told to go on the SAVE program so no interest would accrue on my account. Concerned if I do this that it will mess me up for the Sweet vs Cardona case which I am in the Post Class - Class C group which is to be finalized by XX/XX/XXXX. 

Every time I call I get different answers, I was suppose to have my XXXX XXXX XXXXXXXX XXXX loans forgiven 100 % along with XXXX XXXX which has not been completed yet. I also sent in a paper application for the BDR for XXXX XXXX and XXXX of XXXX. No response from either party!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Central Portfolio Control Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke with a representative on XX/XX/2023 at XXXX and he denied to send me a bill, he also stated on a recorded line that the address he had on file was handpicked from running my information in a system and I told him that he can not randomly pick a address and that the address does not belong to me. These people are listed on my credit report and my score decreased significantly due to the company not accurately having my information correct. They also refused to send me a bill after I requested them to send me the bill via email. I also spoke with the original creditor XXXX XXXX XXXX and they said I do not have anything in collections and that any previous balance I did have with them was discharged and paid off with my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 2023-12-04
Company: Experian Information Solutions 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 XXXX  XXXX XXXX XXXX Account # XXXX 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

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 2023-10-19
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called several times on Wednesday XX/XX/2023 to get a credit card decision on a credit card that I applied for online and over and over again I was told I would have to go into a branch in order for it to be processed this is totally unheard of when you apply for this product online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to freeze/unfreeze my credit report with Equifax. Their website does not allow me to do so, indicating the following : We are temporarily unable to retrieve the status of your security freeze. Please try again later. They are also not allowing me to do so via phone. This issue has now been ongoing for 6+ months. I did some research online and found out that Equifax does this to many people, likely to force you into buying one of their products. I have a legal right to be able to properly access my credit report and to freeze/unfreeze my credit and Equifax is preventing me from doing so, this is harming me and my credit profile. I also feel unsafe because I am unable to protect my credit properly due to Equifax. I am requesting help from the CFPB against this company, they are putting me at significant risk. I am a veteran and should not be mistreated in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
It started XX/XX/2023 I had a XXXX debt card link to chime card so the next business day I notice my XXXX balance was low and transaction XXXX transferred to chime account I called chime to make them aware of institution they advise me will handle my account allow 5-10 business days so chime suppended the account to fix and then close account. It never got fix I spoke with supervisor and several repsentative no one could give me reason why the account was close and refuse to give me Access just it my funds left on account I still to this day get my funds I deposited on card.i even I my daughter call get update still didn't get any where I even record the call.i want my funds due to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently checked my credit report and noticed accounts listed that I do not recognize or never had a contract with

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 2023-10-19
Company: Brock & Scott, PLLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested Debt Validation on multiple occasions after receiving a case filing against me in XXXX. To date, I have not received full documentation and the debt has not been validated. Specifically, I have not received files prior toXX/XX/XXXX to account for over {$11000.00} in Brock and Scott/XXXX XXXX collection efforts. Their collection efforts have continued through credit reporting and by mail, however they have not validated the debt after repeated attempts over the last six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Advance America, Cash Advance Centers, Inc.
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was not aware of these fraudulent charges on to my credit report of XXXX $ from advanced America and these fraudulent hard inquiries on my credit report i did not authorize these companies to run my credit, this is fraudulent 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 yes i made an report to the identitygov

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given the American Express e-gift card on XX/XX/23 in the amount of {$35.00}. I have confirmed the card is active and the balance is available, yet when I have tried to use this gift card following every rule as outlined by American Express, the card is declined. I have always processed purchases for under the {$35.00} amount and it is declined each time. I have tried purchases from XXXX, XXXX, XXXX and XXXX. Each time, the retailer will hold a small amount ( {$0.00} ) and eventually, the hold is dropped because the purchase was declined. I have also attempted purchases using the card via XXXX XXXX without success. American Express has effectively left me with no method to access or use this gift card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: Store credit 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:
This account was originally opened on XXXX That is now 18 years ago. However, Kohls continues to report this account. 

This account had been in dispute and is now resolved and is closed. 

I am in the process of selling my home and purchasing a condo. This item is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please update your system, this is causing plenty of heartburn for me. 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa TransUnion, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa 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 2023-09-15
Company: SEACOAST BANKING CORPORATION OF FLORIDA
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief