BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account XXXX BANK XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks

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 2023-06-12
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX, issued by XXXX XXXX  is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in Federal Court in the XXXX XXXX XXXX XXXX  This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt that is showing a collection is XXXX XXXX, which I have never had an account with. No contractual agreement has ever been entered. In addition, it doesnt show on the credit report if there was a original creditor or not. In addition, the account is posted as XXXX balance collection.

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 2023-10-23
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was originally approved for a {$5000.00} loan on XXXX XXXX ( application # XXXX ). I have yet to receive any funds however my credit score and report has been impacted. I spoke with XXXX and XXXX ( the branch manger ) XX/XX/2023, and the company states something has gone wrong with their software is reason they gave me for the inability to honor and book the loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
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:
The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. 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.

please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Block, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2023 I requested that Afterpay move my due date from XX/XX/XXXX to XX/XX/2023. I sent at least 10 requests. Reps asked me for order number and then never responded after that. 
XX/XX/XXXX XXXX I got no response. XX/XX/XXXX they tried to go in my account. 
I blocked it because I already requested a date change. I reached out to them. No response. 
I contacted them through complaints and a ticket number was created. 
Now they have blocked my account saying I can no longer shop. Saying they will add late fees. 
I'm not paying late fees because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: NATIONSTAR MORTGAGE LLC
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: Account status incorrect

Complaint:
NAtionstar/Mr.Cooper Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX the debt collector is Portfolio, states it was opened XX/XX/XXXX in the amount of {$1900.00}. I never opened an account with them. I was not even living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal. 
XXXX XXXX XXXX XXXX XXXXXXXX the debt collector is Portfolio, states it was opened XX/XX/XXXX in the amount of {$1800.00}. I never opened an account with them. I was not living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
Credit Karma and or XXXX hasnt reported my credit card with XXXX XXXX credit line bank of {$2000.00} and {$0.00} balance carried monthly in over a year. Attached is proof

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 2023-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I received a mail from Chase requesting additional documents to verify my business within a XXXX timeframe, as Chase stipulated was required by federal law. I complied by faxing the required documents on XX/XX/2023 as attached, and confirmed receipt with a representative named XXXX on the same day. 

However, on XX/XX/2023, I received the attached email from Chase Lending Services, again asking for the same documents within 14 days. I immediately called and spoke to XXXX XXXX XXXX, who directed me to submit the information via XXXX via the attached email, which I did promptly. I also received the attached email confirmation stating that my documents were received and that I would hear back within XXXX weeks. 

On XX/XX/2023, I received the attached letter dated XX/XX/XXXX, confirming my account was verified and open. To my surprise, upon checking my credit card account on XX/XX/2023, my credit card account at issue was closed. A call to Chase revealed, according to Representative XXXX, that Chase closed my account on XX/XX/2023, for failure to submit the requested documents, a claim contradicted by their own previous confirmations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681sXXXX ( A ) ( XXXX ) 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 2016-10-03
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint regards the servicing of a second mortgage held by Nationstar Mortgage. The XXXX Modification of my XXXX Mortgage was amended by the original servicer, XXXX Mortgage, which reduced my 'interest rate cap ' from 5.25 % to 4.75 %. When the XXXX Mortgage was sold to XXXX they used the old rate cap of 5.25 %. I was able to have this matter rectified with your help on XXXX/XXXX/XXXX, Case # XXXX ( Page # XXXX Final Resolution Letter ). My current problem is that the Second Mortgage serviced by Nationstar is using the old rate cap of 5.25 % and not the amended rate of 4.75 %. I have been corresponding with Nationstar since XXXX XXXX and have only received copies of the XXXX modification. In the XXXX modification, it clearly states that the rate cap of the XXXX modification must reflect the rate in the XXXX modification. I have documentation for all of the statements that I have made. Any assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Orion Capital Solutions LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 the debt collection company attempted to create a payment plan that I did not consent to for a debt that I do not know. When I reached out to them, they did not provide me the information stating that I owe the debt and then asked me to provide information that it had been paid. The burden is not on me to show that it has been paid, the burden is on them to show that it is owed. As an attorney I will take every possible action

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 2023-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This is a follow up on complaint ID XXXX. Synchrony Banks response to that complaint was to close the account. They have closed the account 10 times since XX/XX/XXXX & reissued the card under a new account #. That does not resolve the issue. As recently as XX/XX/XXXX they allowed a fraudulent charge of {$800.00}. I called them on XX/XX/XXXX in response to a letter from Synchrony Bank, Lowe 's Credit Card. This complaint and the first one is an attempt to stop Synchrony Bank, Lowe 's Credit Card, from enabling these fraudulent changes and charges. This on-going issuance of fraudulent cards and charges since XXXXXX/XX/XXXX is a form of elder abuse as it has cost me time, money and emotional distress. Their response of account closed as their action is not adequate. This cycle must cease!

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 and TransUnion are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by XXXX to report late payments on the XXXX  Account # : XXXX, in line with U.S. Code 1666b. XXXX  NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).

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 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am trying to get a refund for an account I lost access to and was being charged {$25.00} a month. 
I have been charged {$420.00} in fees and have not been able to access nor close this account. In XX/XX/2022 I tried unsuccessfully to get the fees reversed and gain access to the account by going in person. I continued to get charged {$25.00} a month and did not get the fees from XXXX resolved. 

I went into the office yesterday to talk to XXXX. She said she couldn't close the account and I would need another appointment and to return the next day. 
Today I spent an hour at the XXXX office talking to XXXX XXXX who said she couldn't " reverse fees even after talking to XXXX and Checking on the phone. I was then told by XXXX to escalate to you. They helped change the account to avoid fees and get a debit card to get access. I was told that I couldn't close the account if I wanted to get refunds though this practice had been used prior to extracting further funds. 

I would like to get my money back and stop being charged fees. I did not know how this process started but I believe it's related to an XXXX account. As such I am trying to settle this through Bank of America but will likely file complaints to regulators and the attorney general about my banking. For obstructing the closure of accounts and charging fees suddenly without consent and not allowing me to get funds out. 

This has gone on for many years now and I have never had this before except with XXXX XXXX and an XXXX account that the reverse course on promptly after filing. They also stopped opening accounts randomly.

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 2016-10-04
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer " Nationstar Mortgage '' continues to misapply my payments, Every month I make and additional principal payment which I have instructed them to apply to the unpaid principal balance along with my principal & interest payment due. When I get the monthly statement they are posting the additional principal as a short payment and reporting a " Lender Paid Expense ''. This company has not incurred a " lender paid expense " on my account. I have contacted them every month and they have not resolved the matter and continue to misapply the payments. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Booked a car rental through XXXX, they never sent any confirmation number but they did debit my account. A few weeks before the rental date I reached out to them to request this information and they informed me that I was not in their system ( via email ). I filed a dispute with NFCU who initially credited me and had me send in the email, but their fraud department keeps claiming I didn't turn in the email although customer service can see it and I have 2 separate occasions where customer service confirmed receipt of the email on record. They closed the dispute today citing a lack of evidence. I believe their department is harassing me, either that or they're incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have fallen victim to identity theft this past year and have been experiencing a problem with Coinbase and my cryptocurrency  held there. I have lost access to numerous email addresses, phone number, and accounts due to the theft. I have contacted Coinbase on numerous occasions making sure they had all of my updated info, at the end of every call I made sure that there was only one email address that was being used for my one account held there to eliminate any confusion in case this happened. I was assured each time that yes only one email was associated with my account. I am being told now that I have multiple accounts and im being asked for the details of those account to close them. I don't remember all those details because as I said before I've had to change so much. I need access to my account period I have waited snd waited. I have over 1000 transactions I've placed there and I need the completed details of absolutely everything. I haven't been able to file my taxes because of this matter. I was told they would have an update for me and would have access by the end of XXXX, and here we are at the end of XXXX. Something needs to be done asap. I need access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/2023, My bank account information with XXXX XXXX XXXX XXXX was hacked and someone was able to take out a fraudulent loan in my name. XXXX XXXX XXXX XXXX is aware that it was a fraud loan, but continue to punish me by stating that I am responsible for the fraudulent loan amount and that it will continue to negatively affect my credit score if it is not paid. I have called numerous times, and spoke to the manager of the loan department. No one was helpful, no one took me seriously and there was no help whatsoever offered. The person was even identified using an IP address that Ive never used before in a different state. They have no account security or recovery policies in place to help their customers who are victims of fraud because of their negligence.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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