BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
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:
Consumer has also mailed complaint and judgement of default to California AG office. I have disputed listed accounts ( XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) with XXXX, Equifax and XXXX. Equifax continues to violate against consumer rights by failing to take action for consumer rights and properly handle consumer disputes. The other reporting agencies has removed these listed accounts but Equifax has refused. Consumer has disputed these accounts repeatedly and consumer reporting agency continues to not properly handle disputes according to regulation. Consumer moves to file motion of default against consumer reporting agency Equifax. Reason for this complaint is that Equifax continues to report wrongful and disputed information on consumer report. Consumer has notified Equifax of their constant violations and they have ignored consumer claims. Consumer seeks remedy in the amount of {$10000.00} and demand these accounts be removed immediately- XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX. Violations includes 15 USC 1681a ( e ) meaning of investigative consumer report, 15 USC 1681a ( d ) 2 consumer report does not include transactions and experiences between consumer and person making the report, 15 U.S. Code 6801 protection of non-public information, 15 U.S. Code 1681b consumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In accordance with the written instructions of theconsumerto whom it relates. Equifax is in non-compliance and the CFPB must perform it's duties and obligation in taking consumer disputes seriously and holding these consumer reporting agencies accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Financial Business and Consumer Solutions.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keeping asking them what this regarding. They start yelling being very disrespectful. I ask them to stop calling me and to remove my number. There respond is they can't until I provide them my personal information. I refused to provided them with any of my personal information to due I am a victim of having my identity stolen. They kept being very disrespectful and I ended the call. 
XX/XX/XXXX - Twice XX/XX/XXXX - Twice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am seeking to have the PMI on my home removed, and after consulting a local real estate professional about the value of my home, I paid NationStar Mortgage {$450.00} fee to have my home appraised. The company took the fee and ordered an appraiser that lives XXXX miles away to perform the appraisal on my property. His opinion of value was $ XXXX $ XXXX less than the range given to me by one of the most successful real estate professionals in my city. I believe that the appraiser lacked sufficient geographic competence to perform the appraisal, and submitted a dispute to NationStar outlining this. I submitted that dispute on XXXX XXXX. I have received no resolution. None. I have spoken to multiple call center reps, including XXXX XXXX and XXXX XXXX. I have asked for their manager, XXXX XXXX, to contact me on numerous occasions, and have never received a call. I have contacted them at least 6-7 times and they are either incapable or unwilling to provide me with any answers. I have a perfect payment history with NationStar and all of the companies that owned this mortgage before them. I believe this behavior is unacceptable. I think they ordered an appraiser that was more likely to produce a report favorable to the mortgage company than to the homeowner. I believe this to be deceptive and unfair. I have contacted them on numerous occasions and given them every opportunity to respond in ANY fashion to my dispute and the follow up inquiries. They have not done so. I believe that they have an obligation to respond to formal written disputes that they have not held up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Contacted by my my mortgage company, Nationstar Mortgage that I was eligible for a recast of mortgage due to paying HARP refi on time for 6 years back in XX/XX/XXXX. Since that time, I have been told repeatedly that all was in order. Then when I pay the new amount, they keep saying I am denied and owe more money. This has happened 3 times! What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Netspend Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX my stimulus payment was deposited into my brinks mastercard account. they end up closing my account. i was told they returned the money back to the IRS in XXXX, XXXX i contacted the IRS filing paperwork and forms trying to recover my funds.Come to findout this year XXXX, XXXX XXXX XXXX still had my money. i contacted brinks they said 10 business day i would have it. 10 days came and went i called them they said IRS had a hold on the funds. I immediately called the IRS they said that was not factual. i called brinks back and told them about my conversation with the IRS and they said they would mail my funds to me. 10 days later no funds returned to me. i called brinks they said they sent my money to the IRS on XX/XX/XXXX direct deposit. i called the IRS they said they had not recieved my money. The IRS told me wait till XX/XX/XXXX. I called and foundout brinks still had the money. i have called brinks multiple times since and have gotten a different story every time. i have recorded conversations with supervisiors making unfactual statments and admitting to do nothing but lie to me on the phone. i am being now told they sent {$600.00} of my {$1400.00} stimulis payment to the IRS and the {$750.00} would be released. Everytime i call now they sayits being processed and sent. when i dont get it i call back and am being told the IRS is reviewing it again that they stopped the process. i cant take this anymore i dont know what to do. im fustrated i have been diagnosed with XXXX and XXXX and this situtation is really messing up my mental state of mind. please help with this 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 explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
U have been disputing this item for over a year this is not my account removed this tradeline immediately it is affecting my credit score and I cant take out a mortgage if this is still on my credit..you guys sent me a letter saying it was deemed fraudulent so please remove this off my credit report I can sue for damages for inaccurate reporting by federal law you have 30 days to investigate this

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 2023-09-27
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a line of credit and was discriminated against. Being as though theyre on my report, I was never compensated as the beneficial equitable title holder. I am at the age of majority, I just want whats due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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: NY
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
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 according with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating 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 furbish an account without my written instructions.

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 2023-09-24
Company: EQUIFAX, INC.
State: IL
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 just received my credit profile and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX, XXXX, as well as fraudulent address XXXX XXXX XXXX XXXX, TX XXXX has violated my rights 15 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: U.S. BANCORP
State: OH
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I noticed on XX/XX/2022 that bank account looked low. I called customer service told them that my bank account didn't look right so I asked him to go to my transaction starting from the beginning of XXXX to the end of XXXX and of course there was online transactions that was not me it was cell phone payment to XXXX XXXX  and all the Visa transfer debit card for {$100.00} it was probably a total of seven of them and some hotels that were credited in my account twice at the end of XX/XX/XXXX is when I noticed my account was low there was a XXXX dollar withdrawal which was not me. I was so confused with that because I had my debit card with me so someone would have had to have access to my bank card I canceled it right away made that dispute on all those and I only received the hotel transactions all the debit card transfers and the cell phone transaction. I did not receive the withdrawal and I never understood why maybe because since I had debit card how would someone have access to my account I had a few people living with me at the time I've talked to them all I have no proof who done it but still I was the victim of that. My new debit card coming in the mail and was going to be there on XXXX the XXXX it was not in my mailbox. I called the bank immediately and they said it had already been activated and two {$500.00} atm withdrawal and a Debit bank transfer of {$50.00} my card was stolen from my mailbox. I told them it wasn't me disputed that and I was denied. I've wrote them letters a few times. I have plenty of documentation which I will send as soon as I hear back from you guys.

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 2022-10-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Earlier this month ( XX/XX/2022 ) I disputed a collection attempt from Convergent Outsourcing and was told it was resolved and removed from reporting agencies. A couple of days after the dispute it was removed from my credit report. Three days later ( XX/XX/XXXX ), the mark was back on my XXXX credit report and my credit score dropped. I have written confirmation that convergent requested it be removed.

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 2023-09-28
Company: Experian Information Solutions Inc.
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:
EXPERIAN XXXX NOT FINISH INVESTIGATION ABOUT BANKRUPTCY. 
XXXX XXXX SENT LETTER STATING NO BANKRUPTCY ONMMY CONSUMER REPORT AND THEY HAVE NOT DELETE IT FROM MY CONSUMER REPORT.

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 2016-11-16
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
undisclosed fees from my mortgage company showed up on a statement, when I called to question them .... they said they were fees dating back since 2011 for driving by my home to see if it was still occupied even though I have always made the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: DC
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:
Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Someone at Bank of america collections keeps calling and treatening me with an arrest if I don't pay them {$500.00} dollars their using a XXXX call came at XXXX. XX/XX/2023 I told them to stop calling me, 5 calls from the same number XXXX XXXX XXXX XXXX at XXXX demanding that I pay them {$500.00} plus {$300.00} interest for charges they said they can send someone to arrest me if i do not pay them at least {$200.00} cash or Have a gift card ready for them they show up. I hung up the phone XX/XX/2023 the call came in at XXXX from XXXX XXXX XXXX yelling on the phone to expletive pay them the {$500.00} plus another {$500.00} for handling late fee incurred the collection account. I told them to stop calling me, its not a convenient time right now. the same day 10 calls with a 5minute span from the same number, I picked up the phone and right away they start yelling XXXX ( XXXX XXXX XXXX XXXX you owe bank of america {$700.00} pay now plus a {$300.00} handling late fee. from XXXX XXXX XXXX XXXX. i told them again to stop calling me. The collection company at bank of america said that they can XXXX XXXX XXXX  and make me pay.. I'm really afraid to even answer the phone. Please help me CFPB

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: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-10-30
Company: EdFinancial Services
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX : Payment received from student loan company then returned apparently from bank which bank has zero record of, called them and verified that they did not return anything. 
XX/XX/XXXX : Same as above, interest is accumulating when I have appropriately made my payment. There system is terrible and they not contacted me despite me reaching out! 

XX/XX/XXXX : called XXXXXXXX XXXX  and they have no record of ed financial even attempting to withdraw a payment so the student loan servicer is lying and making my credit score go down and interest accumulate

Company response to consumer: Untimely response
Consumer complaint received 2023-10-04
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called Citi visa costco card to remove me as an authorized signer.I was told they needed to speak to the primary on the 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion keeps adding this account back after it's been removed. I have not received any notice that the account will be added back. 
The account is being reported as an open account and also has been re- aged.

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 2023-10-30
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called in the first week of XXXX to get my name changed back ( for some reason it reverted back to my maiden name when they switched systems ) and to see if the refund for overpayment was going to be sent back to me. I was informed that the checks were sent back to incorrect address. I was in the process of moving when the checks were sent and sent in the correct address as soon as I was settled in. I was told that day to allow 7 - 10 business days for the finance department to get them sent back out. I called again XX/XX/XXXX and was told that there was not timeline and the agent was not sure why I was told that timeline.

Company response to consumer: Untimely response