BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX  is reporting inaccurately and XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: AL
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$5700.00}

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 explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX ( XXXX ) collection has been paid. The XXXX collection of {$230.00} was placed as a mistake due to an alleged balance after account has been Closed and Paid off in 2021. Matter has been settled with XXXX and balance paid {$60.00} ( confirmation # XXXX ) but XXXX collection is still showing on 3 credit bureaus bringing my credit significantly lower. Urgent! I am in a process of obtaining a Mortgage. This record is a HOLD up for getting the loan. I am asking to delete derogatory information from all Credit reports ASAP. Thank you for understanding and consideration of the seriousness of the situation

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 2016-12-19
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a loan with Nationstar and refinanced this load with the same company. When we did the loan paperwork greenlights name showed up and we were told that it was owned by nationstar and payments etc would go to XXXX. In seeing a loan origination fee, I said is that so they can charge this loan origination fee, the closer laughed and said guess so. When the XXXX came it did not include the payment on XX/XX/XXXX. I have sent them proof of payment of all payments to date. Earlier this year they said my first payment was not due until XX/XX/XXXX and so that payment went to greenlight and they have nothing regarding this. I advised them that I had checked and greenlight acquisition happened before XX/XX/XXXX and further more this payment was a electronic payment directly into NationStar 's banking account and that no XXXX was ever received from greenlight. I have spent three years trying to straighten this out and they have done nothing to resolve this. I really need the government agency to step in as I know believe I am not the only person this has happened to. XXXX and XXXX, CO XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
NationStar, the mortgage company that services my mortgage regularly solicits me to refinance my mortgage even though I refinanced about a year and a half ago, and am satisfied with my rate and payment term. I also regularly receive solicitations from them through the mail. I despise the use of phone solicitations and feel it is an invasion of my privacy. It is also a disservice to me as a customer to continue to ask me about refinancing when I have a strong deal already. All refinancing options have thousands of dollars in cost to the borrower financed or otherwise. It is not my best interests you are after and it makes me feel sad for your phone reps reading a terribly awkward script. Congrats on emerging from the mortgage crisis as a major mortgage servicing company. If I had my choice, my mortgage would stay with the company I originated it with and then I could deal with local people I know and who actually care about my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: General Motors Financial Company, Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX is the company they refused vehemently too help with repair on my XXXX  XXXX XXXX  with a known problem with throttle body and pedal position sensor that is a known problem and are trying too charge me the customer after numerous problems starting at XXXX miles the problem began, and finally, XXXX miles vehicle was left with same problem and General XXXX after filing complaint with customer service refuses too provide any compansation, or even help with rental while my vehicle was being repaired many other others thousands of people on XXXX have paid thousands of dollars for same repair on existing problem with motor train, problem please help make a general motors be held responsible for repair costs as it is not fair thousands of customers must brunt this repair cost due too known motor problem thank you for you help and consideration the claim with General XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I my XXXX XXXX account distributed XXXX to go to USAA which I have been doing weekly. Well USAA did not credit my account, when I contacted USAA she said they didn't receive it. I gave them a trace number XXXX USAA said they would put in a dispute on this but never contacted me back. I call usaa XXXX more times during the week with no answer, resolution. Then on XX/XX/XXXX USAA pulled XXXX from my account because XXXX XXXX questioned them about it. I called USAA again and was told because XXXX XXXX questioned them so they pulled XXXX to cover the XXXX of XXXX payment and this was not for the XXXX of XXXX it was for payment XXXX sent USAA on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
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:
Went to a car dealership with a pre-approved loan offer to buy a car for which I already had a hard inquiry. The sales rep went inside the general managers office and made two hard inquiries on my profile without my knowledge/consent. I confronted them right away as I received the email from credit reporting agencies regarding this. The manager said upto 3 inquiries count as one and said there was a miscommunication. Also, told me that I can contact credit reporting agencies and have them remove the inquiry. Its been 3 months since I have been trying to get this matter resolved and neither credit agencies or the dealership have done anything here to help. I have made so many phone calls. So many emails but still no luck. I have spent almost 20 hours of my time on this for something which is not even my fault. Please help me here. After being so persistent, dealership told me that their corporate has sent out a mail to credit reporting agencies about this. I confronted agencies about this and XXXX said they have not received any letter. Equifax said that letter is a invalid method. Dealership has to login on their software to remove or send an online email. They all have been running me around. I am exhausted from this bad practice. Please help. 

Two inquiries in question are made on XX/XX/2023 in the names of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: SUNRISE CREDIT SERVICES, INC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was berated, TOLD it was mine, TOLD not to worry about it just pay it or I would be arrested and they used foul language on me the entire time. They both call and text and do both not only during hours but also before XXXX XXXX  and after 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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXXXXXX balanced of {$12000.00}, I took a look at my credit report and noticed inaccuracies on my credit report. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I also stated to please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof of the negative payment status for this account, or delete this account with 30 days.

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 2016-12-06
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me at my job every month to remind me to pay my mortgage. I have never been late. This company just bought my mortgage recently from XXXX. I consider this harassment especially if the payment is not late and calling me at my place of work. I do not need a reminder to pay my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: OH
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: PA
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 contacted XXXX, equifax, and XXXX  over 6 months ago and never received any update to my about my credit file. these companies continued to report fraudulent activities to my account without the proper authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-05
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-18
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a brand new TD Bank Credit Card I am now told I must go into a local branch which I do not have enough time in the day to do so .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: F.H. Cann & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I settled my debt with XXXX XXXX  through XXXX XXXX and XXXX for the amount of {$3600.00}. I was told on a recorded telephone call that this would settle my debt. I was also sent paperwork which confirmed this. On XX/XX/XXXX I was called and told that XXXX rejected the settlement, s and I would be made to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Fein Such Kahn & Shepard, P.C XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX On XX/XX/XXXX mail me a debt collection representing XXXX XXXX  and XXXX XXXX XXXX. To respond to a Judgment currently own by them that was filled against me for {$2400.00} as XX/XX/XXXX. ( XXXX + ) On XXXX this card was charged off form my credit report for {$1800.00} and XXXX XXXX XXXX XXXX Filed a judgment, never contacted me about a debt collection and put it on my credit report for {$2300.00}. After, while and no prove of debt to them this was out of my credit report. And not current. I never got any paper or supporting document from them. 

After CFPB had found this company violating the fair credit act multiple times. ( XXXX debt, collecting or suing on debt that was outside the statute of limitation, making representations about unsubstantiated debt and initiated thousands of legal actions against consumers when it lacked proper documentation about the debt ) .They are trying to collect from another way. I do not own this and I believe trying to take advantages of me. 

Company provide me 30 days to dispute. I had send a certify letter explaining them of being a victim of XXXX XXXX XXXX, Violation of the consumer rights. They state to also accept request to XXXX If you go online you do not find any place to send information on this to dispute on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was recently sold to Nationstar ( from XXXX ). I made my last ACH payment of {$1200.00} to XXXX on XX/XX/XXXX but that payment was never credited to Nationstar. After countless calls, including with a supervisor, this is still not resolved and my credit score may have been already hurt. Nationstar said they are " investigating '' this but they re not doing anything, t 's been 2 months now every time I call I have to start from the beginning, as if its the first time I call. On top of that, I get automated calls every morning from their computer TRYING TO COLLECT MONEY THEY MISPLACED, ITS INFURIATING!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One Bank, on XX/XX/XXXX I received the email from the bank, telling me that my accounts ( Personal and Business Account XXXX XXXX XXXX ) will be closed. I receive the refund of the remaining balance of the personal account in a couple of weeks. 
However, regarding the Business account, I begin to call every XXXX weeks asking about the refund of the remaining balance, that was {$69000.00} USD. They kept me telling me that the case was under investigation, I wrote an email to the CEO of Capital One bank on XX/XX/XXXX, complaining about the situation, and on XX/XX/XXXX calling again to the CASE RESOLUTION TEAM PHONE XXXX, told me that they tried to the send back the funds to the bank where the funds was sent originally, on XX/XX/XXXX. In addition they told me that some process should be done by the origin bank, and they did not execute that process. And Capital One Bank decided to give my money to the " State ''. 
There were no comunication from the bank at all during all this time, informing me that the fund was sent back or any status of the funds. The only information that I got during thius time, it was just phone calls that should be recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To whom this may concern I XXXX XXXX XXXX is filing this complaint on behalf of myself anf no one else. Over the past 3 months I have disputed false and inaccurate information on my XXXX file with the XXXX CRA ( XXXX, Transunion, XXXX ) in regards to late payments that they are continuing to report false and inaccurate. Each time all XXXX CRA ( XXXX, Transunion, XXXX ) has responded that the information I have disputed was " verified '' as accurate but each time all XXXX CRA ( XXXX, Transunion, XXXX ) have reported different information in regards to these accounts. Not only has the false reporting cause severe damage to my ability to obtain credit but it has caused my family great damage. Per 15 usc 1681a Congress clearly states that ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have and will be providing documents of proof that these accounts should not be reporting at all. I'm demanding that these late payments be removed or I will have no other choice then to contact my legal counsel and sue each CRA for punitive damages.

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