BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: NH
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 has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an 18 wheeler, my gap insurance included coverage for the remaining balance of the loan and any other outstanding fees. 

XXXX is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my gap insurance was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.

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 2022-11-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Both TransUnion and XXXX have incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXXXXXX XXXX 

But that is all incorrect! As XXXXXXXX XXXX can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXXXXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXXXXXX XXXX  's mistake to report that incorrect information to TransUnion and XXXX, and there was never a delinquent nor overdue. 

XXXXXXXX XXXX has fixed the mistake, but TransUnion and XXXX continue to report my credit score as XXXX when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. 

So TransUnion and XXXX should return my credit score to near XXXX, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late 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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CARD Corporation
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I requested my IRS Tax return fund to be direct deposited into my " Card.com '' account the funds were deposited into the account however after spending a few XXXX they locked my card for suspicious use. They asked for documents such as my SSN, State ID, and Tax Returns which I proceeded to send to the support team. The Company stated that they couldn't verify me and that they were spending a remaining balance check to the address on the account which is still my address they issued the check XX/XX/XXXX. They stated that it should take 21 business days. The 21st Business day was XX/XX/XXXX I still havent received said check. I called the company everyday monday through friday requesting them to reissue another check. Today is monday XX/XX/XXXX and the company still hasn't issued my check. The costumer support states that the bank is trying to verify however there shouldn't be anything else to verify when I already received my money from the IRS and I already sent them all my Important documents. This is unfair because even if you wanted to contact the bank you cant you only can go through customer service and when you take that option they give you vague answers about what's really going on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX I received notice from Nationstar Mortgage, LLC dba " Mr Cooper '' that they had sold / transferred my loan to XXXX XXXX XXXX XXXX, XXXX effective XXXX XXXX, XXXX ( 8 business days prior to the transfer ). 

The notice failed to meet the requirement of " not less than 15 days before the effective date of the transfer, '' as required by 12 CFR Part 1024 Section 3. The transfer of the mortgage was not covered under an exempted scenario as outlined in the statute. 

I contacted Nationstar dba Mr Cooper multiple times, both via phone and in writing, about delaying the transfer of the servicing of my mortgage as I wanted to explore my consumer rights to not do business with XXXX XXXX as I had previously been a victim of fraud perpetrated by XXXX XXXX employees ( and condoned by XXXX XXXX management ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SUMMARY Nationstar Mortgage has been harassing me for a debt that they are attempting to collect that is not legitimate. They have filed this debt on my credit report as I will show you. EXHIBIT A will show you where the mortgage was assigned from XXXX to Nationstar Mortgage LLC which indicates the effective date of the assignment of mortgage was on or before XXXX/XXXX/XXXX. EXHIBIT B will show you where the Nationstar Mortgage LLC assigned the mortgage on the same date to XXXX. EXHIBIT C will show you where Federal Home Loan Mortgage Corporation had a warranty deed dated and fully executed on XXXX XXXX, XXXX. Which was notarized in the attorney 's office of XXXX XXXX XXXX, XXXX, XXXX, PA by their employee who is a notary? EXHIBIT D will also show you where XXXX XXXX XXXX Mortgage XXXX prepared a fully executed Release of Mortgage and had it recorded on XXXX XXXX, XXXX. I, XXXX had issues with them recording the document within the allotted time they were supposed to so you will see a letter in which I prepared to the attorney 's office to abide by the law in which they completed. On XXXX XXXX, XXXX, a year and XXXX months later I started receiving phone calls ( Call log EXHIBIT E ) and letters from Nationstar Mortgage indicating I owe them money and they were trying to collect on a debt from XXXX. This is so emotionally stressful for me as in the enclosed documents you will note I worked so hard for the mortgage company to have the mortgage released due to I lost my job. It took them 2 years to complete after ; I made written complaints to the OCC. EXHIBIT XXXX in which the company lied to Office of the Comptroller of the Currency ( OCC ) indicating they had taken care of everything in which in fact they did not. EXHIBIT ____. Then I had to follow up with OCC to advise them that in fact the company did not complete where they were supposed to. Well needless to say it was finally completed back in XXXX and now they are back at it again. I have paid all my bills on time and I tried to apply for credit and was denied. I did n't understand why until the phone calls started. I have since put in an investigation to try and have my credit corrected. However that does n't change the fact that I am denied credit. I have told the individuals several times I do not owe them and they are harassing me. Nationstar does n't even have an interest in the property as they assigned the mortgage and the mortgage has been release. I even have received paperwork to file along with my income taxes to show as well. Now they will try and file this against me twice as income with the IRS and this is not right. I have to pay the court for filing fees etc. For something this company has no rights to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX Nationstar sent me a letter requiring proof of my condominium unit owners insurance. My agent, XXXX XXXX forwarded that information to them. On XXXX XXXX, XXXX Nationstar sent me a letter titled, " PROOF OF INSURANCE RECEIVED. '' Beginning XXXX XXXX Nationstar increased my monthly mortgage payment by approximately {$400.00} claiming that my escrow account was short the amount that was required to pay for the insurance that my agent proved I had ( and their letter dated XXXX/XXXX/XXXX confirmed ). I did not pay this new mortgage amount ; instead, I paid the amount that I had been paying, {$2000.00}. For both the XXXX XXXX and XXXX XXXX payments Nationstar continued to charge the extra {$400.00}. I did not pay that money. For both of those months I paid my normal amount, {$2000.00}. Today, XXXX XXXX, XXXX I tried to pay my mortgage in the amount of {$2000.00}. Nationstar would not allow me to pay because they claim that I owe over {$3000.00}. On Thursday, XXXX XXXX, XXXX and Monday, XXXX XXXX, XXXX I spoke on the phone with representatives of Nationstar who assured me that they would take care of this matter. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 2 business days. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 5 business days. This has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PA
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:
I XXXX XXXX have a collection appearing on my credit reports I have attached supporting documentation below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Self Financial 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:
ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2020 DATE CLOSED XX/XX/2020 this account is still on my credit report I also filed a identity theft report on this years ago this account is now saying it is closed now I no loner need or want this on my credit report and I need XXXX to correct this matter and delete off of my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Zions Debt Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Zion Debt Holdings sent a letter in the mail and nothing in the letter was what was requested. I have spoken to someone on the phone from XXXXion Debt and they assured me that they had the right person and the original contract with a wet signature verifying that this was indeed my debt. The letter that was sent was not what the representative said they would send to prove verification of the debt. This is not my debt, Zion Debt will not be paid by me for this account. At this point they have not done a thorough investigation into this and they are now trying to strong arm and bully money. One my credit report it states this account was opened by me on XX/XX/XXXX, th XXXX, this is incorrect and is not my debt. Zion Debt Holdings must follow the Validation of Debts ( 15 U.S.C. 1692g ) I requested validation for this debt and they did not send what the law requires for verification. The verification for this debt must fit the requirements within the law. There is no social security numbers, birth dates nor wet signatures provided to verify this information. This is not a verified account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CITIBANK, N.A.
State: NY
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:
I called the number on the back of my credit card to find out what the exact date is that I entered into a contract with Citibank for the credit card. One representative said he can not see that information. When I asked to speak to a supervisor he would not transfer me to a supervisor and instead routed my call back to the beginning of the automated menu. The second time I called, the representative told me that he can not give me the information because it's private. I reminded him I verified my identity as the account holder as he requested yet he still would not provide me the information. I asked to speak with a supervisor. When the supervisor came on the line, he inquired why I wanted the information. I told him it was for my records and he said he could not give out that information. He could only tell me the year I entered into the contract. I asked for a letter to be sent to my home providing the exact date I entered into the contract and he ignored my request. Instead, he wanted me to guess a month and year and he can just say " yes '' or " no '' in response. 
This is unacceptable because I have a right to know the exact date I entered into a contract with a company. I should not have to play guessing games or even reveal why I want the information after I have already verified my ID as the account holder.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
At about XXXX XXXX tonight, I used my card to make my VA XXXX XXXX bill after calling to see what my available credit was in the automated system. I also made a {$51.00} payment which was not due until XX/XX/XXXX 

I entered the card information correctly two times and it denied me using the card to pay online. 

I called AMEX again to find out if they locked my card. That is when just 30 minutes later they reduced my available credit to {$1000.00}. 

This should be illegal and that is the only reason I am complaining tonight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: PA
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 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 2023-11-01
Company: CITIBANK, N.A.
State: AZ
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 have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over XXXX hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( XXXX hours ), that is to CITI and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterdayXX/XX/23on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( bachelors ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please 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 monetary relief
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report once again, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these accounts, It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report Here are the aforementioned accounts : XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}

Company response to consumer: Closed with explanation