BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XXXX, I received 2 debit cards with my name by mail, I have never open account at Well Fargo. I went to Police, Social Security office, and Well Farge near my house. Well Fargo staff helped me claim on XXXX and said hold for investigation. They close 2 accounts, but refused to close the 3rd credit account under my name. I have mail in a reconsideration a week ago but they claimed that they don't have it. I called many times to Well Fargo but it is still unresolved. Recently, It has greatly affected my life. My credit score decreases. I need help.

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 2023-11-06
Company: EQUIFAX, INC.
State: NJ
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Company: Genesis FS Card Services, Inc.
State: CA
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:
since XXXX since my XXXX XXXX XXXX ended I've asked on a recorded call to have XXXX forms mailed to me house ( intially i asked for unemployment and changed to XXXX ) not only are they still mailing employment forms instead of XXXX they are mailing it to my XXXX XXXX instead of my house after requesting it be mailed to my house 5x!!!! all late fees needs to be waived and courtesy payments needs to be paid for the duration i didn't receive proper documentation asked for. and reported to bearus ACCURATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Nelnet, Inc.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the midst of checking my credit report, I found that information that is inaccurate and I believe it does not belong to me. This has hindered me in the process of obtaining a new home and a vehicle which Im in desperate need of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : ACCT # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: MS
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 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.

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 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 2016-11-23
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I am trying to refinance my first mortgage through my bank back in XXXX 2016. In the process they said they needed a subordination from my second mortgage lender to proceed. My bank filled out and sent the necessary paper work along with the {$250.00} fee for the subordination. The check was cashed by Nationstar but they continue to stall. I was hoping to refinance to a lower interest rate 3.75 % XX/XX/XXXX now its almost XX/XX/XXXX and they continue to stall and not respond. That new interest rate could have saved me {$200.00} a month on my payment. Now the rate lock expired long ago and rates have gone up. My bank has repeatedly emailed and called with them saying you will hear something soon then never respond again. I have called and emailed several times with no response. They should not be able to hold me hostage like this. Its my second mortgage and I have been paying it faithfully for years. I would have never expected this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of XXXX/XXXX/XXXX, I went to log into my Nationstar mortgage and it 's asking for my email address and email password. That 's against the law. The should not be asking for passwords to your email account. I made a payment on XXXX/XXXX/XXXX and I did not have to do this. I was able to log in with my username and password I created XXXX XXXX. Why are they ask for that. I 'm to review my payment information and how they came up with me oweing {$400.00} more than whats due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-12-01
Company: EQUIFAX, INC.
State: NC
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:
Equifax has determined to continue to impede, furnish information without my consent and choose to NOT provide the proper determination and option to resolve a matter which I have reached out to them on numerous occasions. My progression has been halted due to the insufficient details given by the Equifax representatives who are basically not inclined to give proper direction. 

XXXX XXXX XXXX  documentation is still being rejected unlawfully! 

Sent my information via certified mail ( received on XXXX XXXX ) and on the website due to resolve this matter immediately. Equifax responded on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX repeating the same information which AGAIN does not give details as to the documentation that is missing and why they need ADDITIONAL information. 

As per the CFPB, Victim determination is generally defined as documentation of a determination that a consumer is a victim of trafficking, made by either : a Federal, State, or Tribal governmental entity, a court of competent jurisdiction, which includes certain documents filed in court ; ; a non-governmental organization or human trafficking task force, including victim service providers affiliated with these entities, authorized by a Federal, State, or Tribal government entity ; or a self-attestation by a consumer who identifies as a victim of trafficking that is signed or certified by a Federal, State, or Tribal government entity, court of competent jurisdiction, or an authorized representative of these entities. 

https : //files.consumerfinance.gov/f/documents/cfpb_XXXX I have provided the Self attestation which is signed by a Court Judge and they are still rejecting my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX and XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX. Please delete these accounts ASAP.

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 2023-09-13
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
wages are being garnished by Eaton group attorneys for a debt that i am unaware of. they said they served me papers that i did not get or sign for. i asked for proof of this debt and that it belonged to me and i did not receive anything. they do not answer the phone or return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I checked my experian credit report and noticed that this specific credit company ( experian ) has tied my name with someone with similar name criminal history. Ive never had any sort of criminal background

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 2023-11-09
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
While traveling to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/2023 a fraudulent charge occurred and was posted to my American Express card last five digits XXXX. We the two cardholders did not initiate, authorize, validate or sign for this charge to said company XXXX in the amount of {$2200.00} transaction date XX/XX/2023. 

Upon return to the XXXX I became aware of the charge and immediately called American Express to report this crime and Fraud on my Gold American Express Card. The card was immediately canceled and new cards were sent to my home with new card numbers. 
I followed all instructions from American Express following the initial phone call. Now months later this is still not resolved. American Express has mishandled this XXXX # XXXX from the initial reporting of this fraud. They have opened and closed numerous cases on the same charge to card and as of today have still not confirmed to me that they will not re-bill me for the crime committed while traveling in XXXX on my credit card. 

After months of dealing with this and hours and hours of stressful frustrating phone calls American Express latest letter dated XXXX XXXX which I have attached they have again removed charge from my billing cycle, BUT stated that this is not a guarantee that they will not in the future re-bill me for the criminal fraudulent charge of {$2200.00} from said company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am paying off my loan by making largish payments frequently to the company who bought my mortgage. XXXX had it before and now Nationstar Mortgage holds it. The problem is that they take payments for the future out of the principal payment every time. I have called them every time and talked to customer service agents, who are uniformly nice on the phone. However, the problem just does n't go away. I know that they are taking out interest fees for each payment that they have not earned yet. They fix it each time, so I know it is n't violating their own policies to pay off a loan early ( my loan does n't and never did have an early payment penalty ). I do n't know why it should be so easy for them to continue to do this to people. I think they should not be allowed to even be in this business. I have a PhD and have taught university courses that involved finance, compound interest, and payment schemes, and I know that this should be illegal, but apparently is n't. Most people do not have the time to call over and over about problems with this company. I would like to see them put out of business and money paid back to people who can not afford the fees and the hidden costs of doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2023 I made a payment regularly to capital one for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to Capital one who is saying they have no record of the call!

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: WA
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-11-17
Company: MEI AUTO FINANCE INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a car from MEI , Inc.XXXX in XXXX. The company lied to sell me a bad car, I've had numerous issues with the car. My final issue was on XX/XX/XXXX. I then had the car towed to the company, told them they can have the car back and I agreed to pay the remainder of the car contract. I continued to make the car payments every 2 weeks, while they kept calling me to harass me about getting a new car. On XX/XX/XXXX. XXXX, when they called, I gave them an attitude and told them to stop harassing me and I would never buy a car from them again. On XX/XX/XXXX, I went to log into my account to make my payment and my account was locked. I called them up and they told me I couldn't make a payment and they closed the account and I didn't have to worry about anything. I went to look for a new apartment in XX/XX/XXXX and was told I had a repo on my credit report with missed payments. The company started reporting late payments after they locked me out of my account and wouldn't let me make payments. When I called them, I told a lady what happened and that it was illegal to falsely report thing to credit agencies. The lady told me that if I had an issue I could do what I needed to do, but they have lawyers. I've asked for a copy of the contract and the ledger of all payments and they won't give it to me. I've tried talking to someone high up, but no one will respond. They broke the contract by not letting me make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation