BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In 2018 my stepdaughters made some checks from my check book forged my signature and took XXXX from my account. Bank refused to reimburse the money even after I made a police report. Later she was arrested and did some time for the crime

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 2016-09-19
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am completely shock of all the fraudulent claims Nationstar has come up in order to denied my loan. I have provided the same income as the previous review and I was provided a trial payment and now that I was forced to re-applied in order to safe my home, Nationstar refuses to approved me for a modification. Based under the guidelines my loan does qualify for the Hamp Tier 2. On the previous review nationstar offer me the Hamp Tier1 and on the final documents they switched the terms to the Clarity commitment modificaion. After I question them on why my modification was been combine with the Clarity commitment, Nationstar did have an explanation. This was not acceptable because under the Clarity commitment I know I should be offer some principle forgiveness based under the national settlement against Nationstar. At this point I have tried to work with Nationstar numerals times and they have switch my income in order to denied my loan, after many applications now they are stating I dont have enough for an affordable mortgage payment. When clearly I have the same income from the previous review and I was offer a trial, why is this any different. I have attached supportive documents to make sure Nationstar stops prolonging my loan. My intentions are to keep my house please help me my home is severely under water. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I sent out a dispute letter saying that it was an inaccurate account number and they sent me back another piece of paper with the same and accurate account number for Capital One Auto finance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I wrote letters dated and mailed on XX/XX/2023, and XX/XX/2023 to Equifax in regards to inquiries I found on my credit report that I didn't recognize and I believed it to be fraud. I'm unfamiliar with disputing items that I believe to be fraud on my credit report. I then reached out to Equifax in regards to my concerns and as of today XX/XX/2023, I haven't gotten a response. I'm very concerned and I'm reaching out to your agency for help! Attached to this complaint are all the supporting documents that I sent to Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-17
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I filed a complaint w/CFPB XX/XX/XXXX, ( which has not been resolved ) regarding how our lender ; Nations Star handle payments our trustee had been sending for the past five years. In what seems like intentionally backlash or retaliation our payment has gone up even higher than the initial complaint, causing us to believe this lender is trying to force us into unfair foreclosure. Our last complaint stated our payments were {$1000.00} then increase to {$1800.00}, we were told as of XX/XX/XXXX ( which ironically is the month we are no longer in bankruptcy ) our payments will be {$2100.00}. I 'd like to take this further, as I stated this seems as if we are being forced out of our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: ASSOCIATED BANC-CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Every time I send in extra money towards my car loan principal the bank ( Associated ) instead adds the extra payment to the loan into the future not the principal despite me insisting the extra payment goes towards principal only. I am up to date and on time with my regular monthly payments which includes the interest otherwise Can you help? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have reported this several times to Transunion that this information is incorrect and unverifiable - I even received a letter from XXXX saying that they couldn't verify this account. 

XXXX XXXX XXXX XXXX {$2200.00} 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 2023-08-08
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date - XXXX-22 / Amount - {$720.00} / Violations of 15 U.S.Code 1681 ( a ) ( 1 ) accuraccy & fairness / 15 U.S. Code 1681 ( b ) permissible purpose / 15 U.S. Code 1681 C-2 / 15 U.S.Code 1681 ( i ) for reinsertions/ legal document letters of Cease and Desist / Harassment / Trademark , Copyright Infringement/ were issued, sent to company / consumer was never given proper legal Notice of debt within 5 days / Never was sent the name and address of Original creditor / Never sent statement informing me they assuming the alleged debt was mine, illegal third party debt company without permision to act as an authorized user on consumers behalf to report alleged fraudulent negative debt / personal information to all 3 credit beaururs XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had added so much extra $ to principal I am 8 months ahead. 

OnXX/XX/XXXX I tried to make my regular payment on line but I could so I called to find out why. 
The girl said it was because the loan was almost paid off so she would have to do it on her end. After some research on her end she came back and told me an amount of {$1900.00} so I said fine and she put it into the system and it got paid. 

Later that week I received a payoff statement for the amount of {$5800.00} in the mail. This was an incorrect amount so I called them. I got no help immediately but finally got to a supervisor who saw it was over {$1500.00} higher than it should be and she said it would be corrected. 

I didn't receive any thing new so on XX/XX/XXXX I called in to make a payment again. The girl said she didn't know how to handle this so she transferred me to another supervisor. She suggested I just make my regular payment ( {$2600.00} ) since there was some confusion and she would have another final statement sent out. I made the full regular payment as she suggested. 

I received a final payment statement and wired the {$1400.00} as was asked for prior to the date asked and paid the loan off in full. 

The problem is because I didn't pay the {$5800.00} wrong amount on the payoff they sent out after I made the XX/XX/XXXX payment the are some how showing me 60 days late. I need to refinance because of a recent divorce in a limited time and I cant talk to anybody in the credit department. I have spoke to one supervisor XXXX ( XXXX ) XXXX XXXXwho has tried to help but her hands are tied. I also talked to an XXXX XXXX ( XXXX ) XXXX XXXX who said he could see where it was incorrect and would do his best to fix it The fact the are reporting this wrong could cost me my house. 

I paid every payment I was told to pay when I called in They no the final statement for XX/XX/XXXX was in the wrong amount and they don't care. I called in and spoke to them every time I made a payment and THEY gave me the amounts and said everything was fine, I don't have 30 days to fix this and they don't care. I could lose my house because I cant get this fixed. 

Even if they just took the 60 late off the report till they figure it out it would be fine but they wont even do that They dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} ; 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Please remove these late payment remarks on my credit report 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 the 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
Consumer complaint received 2023-10-23
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions 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:
To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 
I sent a request to Experian to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all of the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Experian did not remove these fraudulent accounts.

This is hurting me and my family massively.

Please make Experian comply with the Fair Credit Reporting Act and remove incorrect information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 explanation
Consumer complaint received 2023-10-02
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 submitted a dispute letter via certified mail which was received/delivered to Equifax ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) on XX/XX/2023. Certified Mail XXXX # XXXX. Enclosed with the dispute letter was a copy of my social security card and passport for identification purposes. 

I received a letter on XX/XX/2023 from Equifax stating that they would not complete the investigation and also requested copies of my ID for identification purposes. I have PREVIOUSLY submitted via the mailed dispute letters copies of my ID. This company continues to REFUSE to investigate and remove information from my credit report that does not belong to me further violating my consumer rights. I DEMAND a proper investigation and deletion of the accounts for which do not belong to me that were submitted in the attached mailed letter. I have attached the original mailed letter to this complaint.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
trans Union XXXX and XXXX are reporting incorrectly on credit report. reporting account open XX/XX/XXXX by Trans Union while XXXX and XXXX report account open XX/XX/XXXX with a balance of {$490.00}. Account is reporting date of last payment by Trans Union and XXXX as XX/XX/XXXX while XXXX is reporting date of last payment as XX/XX/XXXX of XXXX. Now, payment history is reporting consecutive charge off by XXXX while OK as agreed from XX/XX/XXXX all the way to XX/XX/XXXX by XXXX and Transunion reports no data on payment history. Data reported on date of last payment makes no sense with payment history definitely a huge mistake. Account is reported as a derogatory account status with a payment status of collection charge off it is not possible that account can be derogatory and collection if payment history is reporting payments done up to XX/XX/XXXX. I have tried to dispute this account with all three bureaus and I have not seen any change whatsoever on credit report nor have I received any sorts of documents by Credit bureaus reporting that my dispute has gone through. Im not sure at this point if my letter has been ignored or if my letters have not reach their destination.

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 2023-02-01
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ollo Card Services has not updated my account balance since XX/XX/XXXX so the card utilization continues to appear extremely high. The card balance was paid off XX/XX/XXXX, with additional payment made XX/XX/XXXX. I contacted customer service on XX/XX/XXXX and inquired on their reporting, asking if the company reports to all 3 credit bureaus, the representative replied yes. I then asked why my account hasn't been updated and she said they are experiencing a technical glitch in their reporting system. She then placed me on hold so she could speak to a supervisor. When she returned to the phone line, she informed me that they were unable to expedite my request for my account information to be updated and I would have to wait until their system is corrected.

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 2023-09-15
Company: Experian Information Solutions 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:
I received a copy of my credit report and I noticed several accounts that I have no knowledge of. I asked that they be removed and they are still showing up on my account. please remove before I proceed with legal action in federal court

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 2023-10-23
Company: TransferWise Ltd
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My Wise Checking Account was deactivated by the company without any reason. I provide all the information that they need and i also requested for a refund as i have XXXX XXXXXXXXUSD in my account i gave them all the details but nothing. Now the company is saying that they refunded my money to my bank account that i gave them while i appeal to review my account again. But i haven't got a single XXXX in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Before the covid repayment freeze ( and switching lenders to advantage ), the remaining principal was around XXXX XXXX Now the principal balance unaccountably shows as XXXX XXXX There appears to have been a mistake made at some point on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: LoanCare, LLC
State: NV
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 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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