BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Happy Money, Inc.
State: UT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I signed a change in terms with HappyMoney on XX/XX/2023 changing the skipping 2 months of payments ( XXXX and XXXX ), as well as changing the maturity date from XXXX to XX/XX/2023. I received notification that I had a payment due on XX/XX/XXXX which was contrary to the document both Happy Money and I signed I called in and they said that they will not honor the change in terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance withe the fair credit reporting act XXXX  acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Despite multiple CFPB complaints citing REAL laws, cease and desist orders, and identity theft reports, This company continues to email me and send me mail for a debt that is NOT MINE. 

I have proven per previous complains that the debt is not mine and that they are in violation of my rights as a consumer. 

The accounts are to be removed immediately and i want restitution for the damaged caused to my credit, being in non-compliance, and for the mental and financial stress this has put on myself and my family. 

My home currently has no heat and i have XXXX kids to take care of because i am unable to access credit that is rightfully mine thanks to the inaccurate reporting and NON-COMPLIANCE of this company. 

Negligence of the law is no excuse for your actions. 

Find the previous CFPB complaints. I'm not doing any more of your work for you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, 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:
I am writing to express my deep frustration and concern about the multiple unsuccessful attempts to remove fraudulent items from my credit file. This is the fourth time I am raising this issue, and it is disheartening that the problem persists, negatively impacting my financial well-being. I am seeking your immediate assistance in addressing and rectifying this matter. 

I discovered that my credit report issued by XXXX, Equifax and XXXX Credit Bureaus contained several fraudulent entries that are not connected to my financial activities. I have diligently followed the dispute process as instructed on previous occasions ( first, second, and third attempts ), providing evidence to support the fraudulent nature of these entries. Despite my best efforts, these fraudulent items continue to harm my creditworthiness. 

I kindly request that you take the following actions to address this issue : Conduct a thorough and comprehensive review of the fraudulent items, considering all the evidence provided in my previous dispute attempts. 

Remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature. 

Investigate the origin of these fraudulent items and take necessary steps to prevent their reoccurrence on my credit report. 

Provide me with written confirmation once these fraudulent items have been removed from my credit file. 

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries. 

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. 

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these fraudulent items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to remove the following fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/23, I received a CapitalOne credit card in the mail that I did not apply for. I called CapitalOne fraud department to report it as fraudulent. They said they would investigate the fraud claim and report the findings within 90 days. They would not keep the account from being reported to the credit bureaus, but said they would inform the credit bureaus of the results of the investigation. I did not open this credit card and I do not want it to be reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reported a fraud charge of {$750.00} posted on my chase credit card on XX/XX/2022 from a merchant XXXX - I don't know this merchant and never did this transaction and provided all the documents to banks fraud team to prove the same and also provided them proof of purchase for my another booking made directly by me directly with airlines. My card information was stolen and charge was posted which the bank investigated but did not settle the fraud charges, this is not acceptable as I provided all the information to the banks fraud team proving no relation with the merchant whatsoever and transaction was not done - their system approved a transaction which I have not done and now they refuse to fix it. I along with bank representatives several times even reached out to the merchant to prove the transaction, merchant did not respond at all and yet bank declared the transaction as valid. I also brought up the concern with XXXX and yet the merchant is adamant. they are not reverting the fraud charges. This is completely unethical and unacceptable, I would like chase bank to immediately remove the above fraud charges and apologize for the time they have wasted from past 1 month, I am afraid chase bank is leaking my information resulting into fraud charges which then they refuse to revert. This needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX to even begin on this complaint. This complaint is like many that we have filed against Nationstar over the past XXXX XXXX, filled with servicing and auction fraud fraud that the XXXX either seems unwilling or unable to control in this company. A purchase offer was received on this property in XXXX of XXXX XXXX As per Nationstars protocol, the property was run through its fake auction site. Nationstar had interior photos of the property but refused to show them on their wholly owned auction site XXXX. These photos would have illustrated the interior issues with the property and would have allowed for an informed bidding process by the general public ( which raises real ethical and legal concerns ). It should be no surprise that their auction winner cancelled their purchase after viewing the inside of the property and Nationstar refused to counter the original buyer ( a buyer who had seen the inside of the property prior to making their offer ). As usual, it was made very clear to us that Nationstar was more concerned about earning a 5 % buyers premium on the auction transaction than actually mitigating loss for their investor. After their first buyer ( through their fake auction ) cancelled we asked two questions -- - would you counter the original buyer they answered no and second, would you like pictures of the property to add for the follow on auction -- - once again, they refused to inform the public of known material issues with the property prior to the auction. It should shock no one that there was not a bidder the second time around. Its sad, but they couldnt even get the property address correct on the online bidding platform. Their only remark was to cancel the short sale still refusing to counter the original buyer as they knew that they could now not receive the 5 % buyers premium. <P/>
I realize that some XXXX XXXX from Nationstar will claim that none of what we are saying is true. But for the XXXX to honestly believe that the thousands of mortgage complaints that they have received from consumers about Nationstar are untrue is fantasy at best ( they are actually changing their name later this XXXX as their brand is so tarnished due to continued servicing and origination fraud in hopes of fooling the general public ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: WLCC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company has continuously been calling my phone, emailed me with semi threats of garnishments : Ive paid the money that I originally borrowed. I am currently not working. They shouldnt be able to do people this way with the harassing behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Dear Experian Customer Service, I am writing this letter to express my extreme disappointment and frustration with the service I have received from your company. I have been a holder of a XXXXXXXX XXXX XXXX for one year and five months, but it has never appeared on my credit report with an explanation. Meanwhile, the other two credit reporting companies have this record. 

I have called your customer service more than 10 times to solve this problem since XXXX. However, every time I call, the representative asks for my credit card information and tells me to wait and see. Unfortunately, this problem has never been resolved, which has made me extremely upset and uncomfortable. 

During this time, I tried to apply for a new credit card, but due to this mistake, I have been rejected multiple times. The banks told me that I do not have an account open long enough to establish a credit history. The truth is that I do have a credit history on both XXXX and XXXX. It is very disrespectful that Experian made this mistake and has never corrected it. 

I have been patient and cooperative, but the lack of professionalism and service from Experian has led to a great deal of frustration and inconvenience for me. I would like to request an immediate resolution to this issue and a correction to my credit report. I hope that my feedback will help improve the level of service that you provide to your customers in the future. 

Sincerely, 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 2023-03-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.DIVISION IF XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. In XXXX of 2022, a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$9700.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my last Complaint trying to rectify the issues pertaining to the unauthorized information on my credit report through this avenue. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ; which have ALL been provided to you before. [ See attachments ] All information needed to rectify the issue are in the attachments in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following is a brief summary of the unauthorized information and accounts that do not belong to me and should be removed from my credit report immediately. 
-Nonmailable Addresses -Unauthorized Accounts -Unauthorized Inquiries THIS IS NOT MADE IN ERROR!!!!!!!!! I REPEAT THIS IS NOT MADE IN ERROR!!!!!!!!!

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 2023-10-09
Company: EQUIFAX, INC.
State: NY
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 DON'T UNDERSTAND WHY THESE ACCOUNTS ARE IN MY REPORT, VERIFY THAT 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have carefully reviewed my credit report and can confirm that this account was paid in full and should not be labeled as a charge-off. The payment history for this account reflects that it was settled and closed with a XXXX balance. I was the victim and Im not sure why the CRA is not complying with the law. Therefore, I request that you investigate this matter and correct the inaccurate information on my credit report. I need this account to be updated as it was ruining my financial standing and staining my credit report due to its inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX This account was never a charge-off. Account was paid in full. 
I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. The inaccuracies in reporting have adversely affected my credit score, and I believe that correcting this information is essential for an accurate representation of my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I appreciate your prompt attention to this matter and request that you complete the investigation within the 30-day timeframe stipulated by the FCRA.

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 2023-06-21
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was supposed to be on a forbearance for disaster and I am in a disaster area in XXXX XXXX XXXX, and have been approved for help from Fema but my bank somehow says Im not in a disaster zone per my ZIP Code even though I am and receiving assistance, so they never put the forbearance on my account And tomorrow, My Home Cell at Auction at XXXX XXXX  I believe and I dont have any money to pay an attorney today and I know I need to file an emergency bankruptcy to stop it but I dont have enough debt for a XXXX  XXXX and I cant do a XXXX  XXXX because I cant make the house payment because Im now XXXX from being a victim of XXXX  XXXX Type of Property : Residential Total Amount of Payments That Are Past Due : {$10000.00} - {$24000.00} Total Amount of the Loan : {$200000.00} - {$290000.00} Have You Received a Notice of Default From the Lender : Yes Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX house address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and is set to be auctioned in 2 days on XX/XX/XXXX at XXXX XXXX  but for the last two months Ive been in contact with my lender, M & T Bank and because it is in a presidential declared disaster zone its supposed to be on a forbearance and Fema shows that online and Fema has already extended money to help with the repairs. In addition to that I am a now a single permanently XXXX women & homeowner who is also a victim & survivor of XXXX  XXXX, which is the source of my XXXX, yet the sale is still set for Auction and M & T Bank has never given me a single point contact or helped me in any which way or returned my calls anything and obviously they are not adhering to the disaster forbearance guidelines, as well as my homeowner Rights. my loan is an FHA loan and prior to the forbearance. I was trying to do a loss mitigation but they wouldnt allow it because of the forbearance and I need immediate assistance to make sure I dont need to emergency file bankruptcy tomorrow, can you please call me ASAP XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank of America opened a credit card account in XXXX of XXXX  without my knowledge or permission. They used a XXXX party that resulted in a hard pull on my credit report and they haven't corrected it even after I brought it to their attention. 

I received a credit alert from my existing accounts that I had applied for a credit card. Since I hadn't applied for credit I initially believed this was an identify theft situation and I locked my report and asked Bank of America to correct my report. 

Only after a significant amount of time and reading stories about how Bank of America was opening accounts without customer permission did I realize what had taken place. 

I have multiple personal and business accounts with Bank of America so this remains shocking that that they would do this 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 2023-09-29
Company: EQUIFAX, INC.
State: AL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief