BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
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:
I am writing to submit a formal complaint regarding Equifax, one of the three major credit reporting agencies, for their failure to respond to my inquiry dated XX/XX/XXXX concerning inaccurate information on my credit report. 
On XX/XX/XXXX, I contacted Equifax to address the following inaccuracies on my credit report. As of the date of this complaint, I have not received any response from Equifax. The incorrect information and the required corrections are as follows : The following account is not mine : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$20000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$670.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
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:
Upon checking my credit report I noticed multiple accounts I do not recognize

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 2023-06-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.

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 2023-11-08
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
AMERICAN EXPRESS COMPANY Regulation Z, 12 CFR 1026.13 Violations- PLEASE SEE ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: DISCOVER BANK
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I filed for bankruptcy XX/XX/2023. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am attempting to pay off my mortgage by transferring my escrow balance to my mortgage balance. Calls to customer service result in very extended hold times. I have averaged at least an XXXX on hold with them each time I call. The different departments do n't talk to each other and are obviously not cross trained or even trained at all. I have been trying to pay this loan off for going on XXXX weeks now and no one can even tell me why it has not already happened. One dept transfers you to another instead of trying to fix your problem. Absolute worst customer service ever. Now they are trying to add on late fees and fax fees as well as doing collections calls. And the entire balance of my loan is sitting in escrow waiting to pay the balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Home Headquarters Inc
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Mortgage ( since XX/XX/XXXX ) is with Home Headquarters Inc. 
XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX They have not been reporting my mortgage and payment history for the length of my mortgage. 
When I call and email them, they state that they have been reporting it since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are trying to refinance our house. We had been with XXXX which sold out to XXXX XXXX XXXX and has now sold our mortgage to Nationstar. 
We have given written and verbal permission to Nationstar to share information with XXXX XXXX Bank to refinance. This process started the XXXX week of XX/XX/XXXX. 
For some reason the loan was being held up and not being released to XXXX XXXX Bank. We were finally able to find out that they were stating we had XXXX liens on our house. It seems that when we bought the house and we used VA to purchase and then a few years later when we refinanced we went with FHA. The VA loan was never removed by either XXXX or by XXXX XXXX XXXX. So we have asked Nationstar to remove the VA loan as it is not correct, we are being stonewalled. We are told it would take a month to remove. I sent an email requesting that this should not take a month to correct an error of this type and was told that it would be considered and we will be notified XX/XX/XXXX. 
I feel that our mortgage is being held " hostage '' because they for some reason do n't want to release it to XXXX XXXX. I ca n't think of any other way to explain this. All the people who have been trying to obtain information are amazed as to the way we have been treated. The numerous people I have spoken to at Nationstar have been very unhelpful. I have even call the corporate office and the woman I spoke to was amazed that this was going on. 
We just want to move on and change companies and complete this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions UNDER WHAT WOULD BE FAIR Delete Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T XXXX XXXX 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 2023-10-24
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
SQUARE HAS HELD OVER {$30000.00} IN REVENUE HOSTAGE, TWO SEPARATE TIMES FOR ABSOLUTELY NO REASON OTHER THAN THE FACT THAT THEY SEEM TO BE FUNDING LOANS WITH STOLEN MONEY FROM AMERICAN BUSINESSES. NO CUSTOMER SERVICE IS PROVIDED, THEY DEACTIVATE YOUR ACCOUNT WHILE THEY HOLD YOUR REVENUE HOSTAGE AND THEREFORE NO PHONE CALLS ARE ACCEPTED AND THEIR EMAILS ARE GENERIC STATING THAT THEY ARE NOT OFFERING ANYMORE INFORMATION BECAUSE THIS IS A FINAL DECISION. THEY CLAIM MAYBE YOU WILL GET YOUR MONEY BACK AFTER 90 DAYS BUT MOST COMPANIES REPORT THAT THEY NEVER RETURN THE STOLEN MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We completed an application package for XXXX in XX/XX/XXXX when we entered into a purchase contract with XXXX XXXX , XXXX for a house located at XXXX XXXX XXXX, XXXX CA. XXXX was the " in-house '' lender for XXXX XXXX , XXXX We cancelled that contract in XX/XX/XXXX due to us not being able to sell our home in time ( to satisfy the contingency in the contract ). In XX/XX/XXXX we entered into a contract to purchase a different house From XXXX XXXX, XXXX ( our current home ) The closing would take place in about 3 weeks from the time of signing the contract. We asked for the application package. XXXX XXXX, the loan " specialist '' we dealt with at XXXX, stated they did n't require a signed application package. We also asked several times to see the Good Faith Estimate. Finally, it was sent over to us. There was an origination fee showing that we never agreed to be charged in the amount {$860.00}. Furthermore, XXXX was the lender for almost the entire neighborhood, XXXX XXXX was the loan specialist for the majority of the homes, he KNOWS what the closing costs would be. As per our sales contract, the seller ( XXXX XXXX , XXXX ) was to pay up to {$5000.00} ( part of that stipulation was that we HAD to use XXXX for our mortgage ). It was n't until we signed our closing documents did we notice the difference in the actual closing costs amount and the number that was shown on the GFE. The GFE quoted {$5500.00} as the total estimated settlement charges and the actual was only {$4200.00}. We know it is called a Good Faith Estimate, but over-estimating the closing costs by {$1300.00} when XXXX and XXXX XXXX was the only lender for the same homes, in the same neighborhood with the same title company for years, is unacceptable. Had we known what the actual costs would be, we would n't have waived escrows/impound account or we would 've asked to buy down the rate using the remaining concession. We never signed an initial TIL on this property, application, rate lock agreement, intent to proceed, change of circumstance, etc. In addition, XXXX tried to get us to sign the " appraisal waiver '' when we kept insisting that we wanted a copy. With all of the restrictions and safe-guards put in place to prevent predatory lending, XXXX has broken several regulations and in the meantime cost our family {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MI
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 in accordance with the Fair Credit Reporting act Convergent 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 XXXX XXXX XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
NATIONSTAR MORTGAGE LOAN NO. XXXX IS REPORTING TO CREDIT BUREAUS AS FORECLOSURE AND JUDGEMENT AS OF XX/XX/2014, THIS LOAN WAS TRANSFERRED, THIS FALSE REPORTING ISIN VIOLATION OF DODD-FRACK ACT, FDCPA, F.C.R.A RESPA ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : 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 2023-08-14
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
1 ) Charging a higher CC rate % than promised in writing. 

2 ) Charging me for merchant company errors transaction fees. 

3 ) Charging me for service I didn't use.

4 ) Telling me providing customer service, when not providing.

5 ) Asking personal info on ACH like clients SS #, address.

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 2023-12-09
Company: EQUIFAX, INC.
State: GA
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 am not sure who this company is I never signed any loan and pay agreements with this company. I never even received anything in the mail prior to this account being put on my credit report and a debt or a charge off. XXXX has violated my rights by not sending proper documentation via mail not giving me an opportunity to dispute debt. I never received written notification of debt via mail. And this is a Fair Credit Report violation. 1006.34 Notice for validation of debts. This company never mailed or sent me anything. I will be contacting an attorney in regards ti this company. Nothing only did this company damage my credit rating this company did not follow the guidelines of the Fair Credit reporting Act. XXXX is at fault as well for allowing this company to report false inaccurate information. I will be filing a complaint with the state of California and the state of Georgia. You will be hearing from my attorney. I am going to sue you for several Fait Credit reporting violations. Each violation is worth {$1500.00} and you committed at least three ( 3 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I purchased {$5000.00} XXXX from XXXX and put it in my coin base wallet. I did the same on XX/XX/1928 XXXX and XX/XX/XXXX {$5000.00} each time so my wallet had {$25000.00} and a week later I went to check my earnings and my coin base wallet was empty. I have the last email of coin base describing what and how this happened by a third party which was not authorized by me and doesnt make their wallet to safe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that the same accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$430.00}

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 non-monetary relief
Consumer complaint received 2017-09-18
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my bank electronically transferred {$1200.00} ( slightly more than 2 months payment as I had missed one month ) to Nationstar Mortgage. My loan was sold to them by XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received a Notice that I was in default by something called XXXX XXXX. When I called and attempted to speak to someone at XXXX XXXX, the recording indicated that Nationstar was now XXXX XXXX. When I got through to XXXX XXXX by e-mail, I had to set up an account and it shows that I owe {$1100.00}. This is incorrect. In fact, I paid slightly more than that as proved by my bank 's confirmation # XXXX, delivered XX/XX/XXXX. The person that I finally got through to ( after 7 calls and hours of wait time ) told me I had to take out a credit report. This incorrect information is threatening my credit line and XXXX XXXX 's failure to properly credit my account could expose me to foreclosure. I want XXXX XXXX to correct its ' information. Further, I 've not received a bill for my next payment nor, in fact, any notice that XXXX XXXX is the proper party to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My complaint is actually with CFPB. The last few disputes were in regard to Commonwealth Financial Systems who is misrepresenting the date of the debt. They posted the date that they opened the account when purchased from a Broker, not the actual date of service. If you look at other disputes, XXXX XXXX XXXX XXXX XXXXXXXX? ) and XXXX XXXX removed two debts from the same company once the age of the debt reached XXXXXXXX XXXX, as the debts were from a XXXX XXXX XXXX XXXX XXXX 
This debt originated from the same practice, original collection agency was XXXX. Commonwealth is using misleading and inaccurate information, since the date of service was XX/XX/XXXX, not the date they are using, XX/XX/XXXX. I have asked repeatedly for the correct date to be on the report but was refused, and CFPB is allowing them to get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
After my most recent payment the company arbitrary placed me in a position to lose possession of my vehicle. These action was committed by the lender immediately after I filed the most recent complaint against TitleMax in regards how they are handling my account. 
The most recent payment of {$250.00} was submitted to the company, but the documentations of the payment is contradictory of it's related documents. 
As of this day I am placed in a position to lose my vehicle to because of TitleMax 's predator lending behavior and to now include retaliation against me by this current action due my previous complaint filed with CFPB against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TD BANK US HOLDING COMPANY
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, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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