BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: VT
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:
Unable to talk to anyone at Experian. 
XXXX XXXX  just results in going into a loop with no options to talk to a person. 
They show that I owe {$510.00} dollars to XXXX XXXX XXXX Acct # XXXX I have a Bank Statement for the Month of XX/XX/2021 that shows I paid them {$520.00}. 
I think there may have been {$10.00} interest or some other extra charge.

I expect that the {$510.00} is probably showing on the other two credit reporting agencies as well.

Credit agencies seem to be making it impossible to talk to them, and when there is a problem like this that hurts ones credit in an unfair way, there ought to be a way to correct it without a major hassle. Isn't it time for the Credit agencies be shaken up and made to SERVE the Public rather than screw everyone over??!!

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 2023-01-09
Company: Netspend Corporation
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I can't seem to talk to anyone in XXXX, Texas about my money this month.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
This company illegal has fraudulent information on my credit report. These should have already been deleted from my credit report. I sent them XXXX letters already and no response over XXXX days now and attached is my proof of my last XXXX corespondence. These items should have never been on my report and the company had plenty of time to delete them but haven't Delete XXXX XXXX off my credit 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: IL
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 or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX original Creditor XXXX XXXX XXXX XXXXXXXX, Original Creditor # 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 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 2023-02-21
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Credit Acceptance denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a ).

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last 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 the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX unable to view my credit report online or through the Experian app, I called numerous times and they said its because someone delete my address from my file, I sent all the information they requested numerous times to update my address, and its been months and every time I call they said its going to take XXXX to update and its been months. Theyre reporting inaccurate accounts on my credit and also deleted my XXXX  XXXX account thats in good standings and they fail to put it back saying its not them its XXXX XXXX and XXXX XXXX verified that theyre reporting to all XXXX bureaus on the XXXX of every month. My credit fell over XXXX points when they deleted 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 explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act collections account with XXXX with 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 602 A Section 2 It also states a consumer reporting agency can not furnish a 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 2023-01-09
Company: Velocity Portfolio Group
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was being harassed being sent an email about the alleged debt three times a week. A Cease and Desist was sent to CKS Prime Investments by email on XX/XX/2022 and a copy was sent through mail as well. I have received no further email or any response to my cease-and-desist letter from this company. I received an investigation result from XXXX dated XX/XX/2022 stating that the alleged account reported by CKS Prime Investments to be verified and accurate. This is a violation of FDCPA. Per 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
CKS Prime Investments had continued communication indirectly by reporting this alleged debt to the credit reporting agency XXXX. An investigation was done by XXXX and CKS Prime Investments violated my Cease-and-desist order by communicating through the credit reporting agency.

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 2023-01-09
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a XXXX Bank credit card that is reporting my account is XXXX days late on the XXXX credit bureaus on XX/XX/XXXX. I have proof of a cashed check for {$300.00} on XX/XX/XXXX. XXXX. XXXX Bank has thru caused my credit score to drop over XXXX points due to their error. I have requested this matter to be properly updated and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Chime Financial Inc
State: PA
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:
Bank account on my XXXX credit report isnt mine but in my name. This account is used as fraud and isnt the account Im currently using. I disputed the account previously XX/XX/XXXX and re disputed the account as of today XX/XX/XXXX because of a increase of my credit I noticed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: SANTANDER HOLDINGS USA, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My checking and savings accounts were looted and over a XXXX XXXX  XXXX dollars is missing. The bank puts me through exhaustive processes for each disputed transaction and there are about a hundred transactions. The bank is Santander XXXX XXXXXXXX XXXX I am elderly and in bad health and can not take the exhaustive hours at the bank. The bank agreed to allow my son access to the account to resolve the issues once he had power of attorney. However once the power of attorney documents were presented to the bank they refused to honor the deal. The bank is attempting to sweep this under the rug. 

Please help, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase locked my account a year ago and still has not responded to me or opened my account. I contacted cfpb and others and still nothing. They told cfpb that they were working on it. They were not. I had over {$600.00} and really need that money. I am XXXX and on a fixed income. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, DOB XXXX. I received the letter from NationStar saying that they are accepting their errors about the missing payments and foreclosing the home ( see attach letter ). Even though, NationStar admitting their fault about foreclosing the property ; however, the foreclosure process is still active -- it has not been cancelled out the foreclosure proceedings -- the property is STILL in FORECLOSURE but put on hold. This is very frustrating for me since I am making all my payments ( from XX/XX/XXXX thru XXXX ) and foreclosure proceeding has not been cancelled. This is totally illegal and violating state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX ( NMLS # XXXX and Nationstar Mortgage are dishonest and use false advertising to get customer. XXXX told me that I qualified for a 3.8 % refinancing. When I decided to us him, the final interest rate was not 3.8 %. He will the low interest rate to attack customers. When I ask him what changed, he will give you the attitude and say " this is how it works ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: NATIONSTAR MORTGAGE LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a very difficult time with Nationstar I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Nationstar always seemed to lose my paperwork, which I constantly had to re-fax. I was originally with XXXX XXXX XXXX and was in the middle of the loan modification getting approved. It was sold to Nationstar, and they never honored the modification. I had to start all over and Nationstar never tried to help with the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2300.00}

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 non-monetary relief
Consumer complaint received 2017-04-04
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Original Mortgage company is NATIONSTAR, ( XXXX, TX XXXX ). Mortgage rate of 30 year term beginning in XX/XX/2006 was 7.0 %. We applied for and received a home equity loan from XXXX at a significantly lower interest rate to pay off the original mortgage. The request for the payoff amount was made by us to NATIONSTAR by telephone conversation. This payoff amount was not detailed by telephone but mailed to us several days later. We closed on the loan on XX/XX/XXXX and a cashier 's check was mailed overnight by XXXX to the address that Nationstar provided. 
A mortgage statement arrived by mail on XX/XX/XXXX detailing a delinquent payment for XX/XX/XXXX, penalty charges and due XX/XX/XXXX payment. A phone conversation with Nationstar on XX/XX/XXXX ultimately revealed that they did receive a check but had not processed it because it was not in the appropriate amount of the payoff. 
When asked about any attempts to contact us in the interim, their reply was unintelligible to us. During this period we had noticed a definite stepped-up bombardment of invitations to refinance with them by email, US mail and special delivery. No successful contact was made until the mortgage statement. 
We paid the penalty and the XX/XX/XXXX mortgage payment while we tried to ascertain the disposition of the cashier 's check. Nationstar claims to have returned it to the XXXX. 
Alas, we 've been sent an image of the cashier 's check that WAS presented for payment by Nationstar. Nationstar processed our check for XXXX XXXX dollars on XX/XX/XXXX and our account has yet to be credited!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-04-04
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2012 this nightmare began, I had become ill and could n't get any assistance from Nationstar. Fast forward, now I am XXXX and still fighting with them for what is fair. They should have helped me in 2012 and none of this would have happened this way. Please see my timeline explanation for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my home in 2003 and I 'm still paying for PMI on my mortgage. I thought that this insurance will drop after 10 years I was told. My loan has been sold couple of times. My Also I 'm experiencing problems with my escrow balance. I need assistance with this Mortgage Company. They ca n't explain to me when I ask then where did my money go if I send a check for my shortage on escrow. I paid in advance and they still inform me I 'm short but I paid the balance in full. My concerns are PMI and Escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: FISERV INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My original EIP card had a remaining balance of {$120.00}. I tried to use it and was told my account was told there was a fraud alert on my account. After several phone calls they sent me a new card, I tried to use it and was told there was a fraud alert on the account. I requested a check for the remaining balance, The check was sent on XX/XX/2023,. I never received the check. I have called over 8 times and after being on hold for over 90 minutes each time I still have not gotten a resolution to this problem. The card was issued by Money Network. Their customer service is non-existent. I really just want the balance left on the card,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: United Group Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was struggling to make my payments in full as my wages had been reduced drastically. I offered to pay my monthly loan amount in two installments and I was denied by the assistant manager. I was told they would only accept a one time payment in full and nothing else. 
A month later I received a letter that they were suing me in small claims court. 

They refused partial payments and then sued me. 

They would also call every single day when I was late on my payments some times multiple times a day. Always when I was at work. I have voicemails for proof.

Company response to consumer: Closed with explanation