BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Regarding alleged XXXX  payments. Loan number XXXX I am XXXX XXXX XXXX birth name XXXX XXXX. The legal.owner of the property listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I am not sure how or why Bank of America could have issued a loan after a previous XXXX caused by my parents which caused me to purchase the home in XXXX 

I didn't sign a loan my XXXX  had no legal ownership of any property at that time other than XXXX XXXX XXXX XXXX XXXX  at the time of the loan. 

Bank of America has refused to show proof of legal the loan was granted legally. To properly owners.

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 2023-01-24
Company: EQUIFAX, INC.
State: MI
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:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Resurgent Capital Services L.P.
State: CA
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:
Amount : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Not my debt and improper reporting and intrinsic fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Bread Financial Holdings, Inc.
State: NE
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:
In XXXX I noticed a charge for XXXX from XXXX XXXX XXXX XXXXXXXX. I looked into it more and saw a few charges for the same amount some just a week apart from the same company as well as charges from XXXX for XXXX and I hadnt made any purchases from XXXX at that time. 

Today XXXX XXXX XXXX I went back and looked through all my credit card history and found I had XXXX charged XXXX XXXX times a month a week apart since XX/XX/XXXX totaling up to XXXX. 

They initially credited the money and cancelled the card and sent a new XXXX, but have now charged me XXXX on XX/XX/XXXX I called they today and they said the fraud team thought it was legit purchases. I called before that department was open this morning, so I would have to call back later. 

I tried calling them at XXXX and again at XXXX today XXXX XXXX XXXX but they act like they cant hear me and hang up. I have tried calling someone else to make sure it wasnt my phone and the person I called could hear me fine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency knew the amount was in dispute and still reported to the collection agency that I owe the debt. The collection agency sent me a paper that clearly says XXXX   XXXX is 100 % responsible for payment. I did not agree to pay for any services since I did not request it and I was fully insured by XXXX XXXX. I am requesting they remove the debt from my credit reporting agency and or clearly mark this debt is in dispute by customer. 

The collection is in bad faith and unethical knowingly reporting a debt it knew I was placing in dispute. IMMEDIATE ACTION IS REQUESTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ever since NationStar Mortgage acquired my loan amongst a bundle of mortgages that XXXX XXXX XXXX divested themselves of, they have done everything they could to cheat me by trying to wrestle my loan terms from me. They 've alleged that I did n't have home insurance when they knew I had. They have had a company they do business with break into my home ( XXXX XXXX XXXX ) under the excuse they did n't realize I was living there. What business does this when all along I 've been paying my mortgage by the allowed grace period each month since I bought the home in 2002! I 've had to send my payments by certified mail because along time as tried to change my terms they no longer allowed me to pay my mortgage through their pay by phone system. They 've never to this day replaced my door or restored the glass that they broke by breaking in when I was n't home. I came home one day last year to discover my front door 's lock was changed. Items were missing from my home. They 've accepted payment of taxes by the town without crediting me as they 've always been paid by me! NationStar Mortgage has been doing a disservice to me and been unjust as they attempt to discredit me by trying to elicit all kinds of fees from me through their corrupt operation!! Please help me by restoring my loan to its original terms & cleaning up whatever damage they 've done to discredit my good credit. Much appreciation for your help, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ma XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I made a payment to a collection agency for a delinquent bill in 2020 from XXXX XXXX. I called and paid by credit card for a settlement in full with XXXX XXXX XXXX  in XXXX, WA ( I have attached my letters for proof. ) Last month, I received a letter from McCarthy Burgess and Wolfe stating that I still owed a balance but, I already made a settlement in full payment to another collections company.

Could you please fix this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX  XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX is collecting for a company called " XXXX XXXX  ''. This account has previously been reported as fraudulent in 2021. 

XXXX XXXX is in violation of The Fair Debt Collection Practice Act for continuing to collect on an account that has been previously been reported as fraudulent via an Identity theft affidavit. 

An updated report has been attached to this 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 2023-05-04
Company: HILLTOP HOLDINGS, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was the power of attorney for my mother. Since her passing, Ive been trying to become successor in interest. My brother and my sister and I were heirs to the property in question. My brother and sister declined to be financially attached to the property. And I elected to the successor in interest. Since I submitted my mothers death certificate back in XXXX, I have been railroaded by the mortgage lender, and very disrespected. All the while all Ive wanted to do is clarify who I was, and turn in the documents needed in a timely manner, so then I could assume the notes and find a way to Budget the financial obligation I had. When I kept getting documents sent to my home stating I was not verified because my identification was not legible? I found it very odd and so I kept submitting it over and over and over countless times I believe it was at least 10 times if not more over the course is it Five years weve been living in the home. What I found very odd also was that I went to XXXX XXXX County clerks office to record the affidavit of airship. They asked for my identification, which is clear to me that I wouldve been identified in all aspects of pertaining to the mortgage. Also, since I was power of attorney for my mother the mortgage lender had every knowledge ofI who I was because I showed my ID to become a power of attorney and it is on record, and I have document to prove that as well. No, it is true. My husband and I both became sick. My husband had XXXX I have a XXXX. My husband also suffered a XXXX XXXX and could not work, hes in XXXX and works very hard and its very hard for us to get from one day to the next. It seems some times and were not young anymore. But we want to fulfill our obligation as homeowners and we want to work with the company but I dont see how they can tell me that they can not read my identification or find away promptly, and it just state that in the logbooks that they must identify me as a successor in interest, and give me that afforded me that up of opportunity. And another thing whenever the documents were in their eyes verified they said I was too late that the sale had already started and they had sold my home. However, I received a letter stating that they still needed on my document and that I had 90 days from XX/XX/3020, XXXX XXXX business days to respond and get it in which I did. But all in all the home have been sold underneath me even though the very next day XX/XX/XXXX, I spoke to a representative from the company and they assured me that it did not sell and that they were taking the home off of foreclosure list. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: JPMORGAN CHASE & CO.
State: NY
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 initially requested a refund with merchant CPA several times upon being deceived by them and given a predatory deal/contract. However, they refused to refund my money back to me, which was a refundable and a retainer for the amount of {$25000.00}. 

{$5000.00} of that {$25000.00} was charged on my card and the remaining balance of {$20000.00} was sent out via a cashier 's check to the merchant from me. After numerous failed attempts with the merchant I disputed the charge of {$5000.00} on my credit card to Chase Cardmember Services on 3 occasions between XXXX, XXXX XXXX, 2021 for that portion of my balance ( {$5000.00} ) that was made out to the merchant on my Chase credit card. I also filed a complaint with several other bureaus and news stations that are investigating this matter as well. 

Unfortunately, Chase ruled twice in the favor of the merchant although I supplied the contract showing that the {$25000.00} was a retainer fee that was supposed to be refunded back to me. The merchant supplied a receipt stating that there were no refunds after 3 days but that does not cover the retainer. The retainer is outlined on the contract as a refundable fee that is supposed to be paid back to me. Chase also went as far to inform me after the 2nd dispute that they would also be sending a notice to the credit bureaus to state that this charge was valid. They did not protect me as their client even with substantial proof of the contract outlining the refundable amount of {$25000.00} of the retainer. Instead, they stated that while I may have a valid complaint against the merchant, that the charge was valid. I was never disputing that I placed the charge to begin with. I was only requesting a chargeback/refund through Chase as the merchant refused to issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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 inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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 explanation
Consumer complaint received 2016-10-18
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
You closed a complaint without getting MY response! 

The complaint is compounding itself and there is no way any real human can contact you by phone without losing their sanity ( then again, being a government entity, that is not unreasonable as nothing government does is meant to " help '' the common man - sorry for the editorial ). 

The original complaint number is XXXX. Nationstar mortagage of XXXX was insisting I pay an additional $ XXXX to " facilitate the release of funds '' from a " frozen account ''. The frozen account being frozen by them and the funds being held were ones designated originally for my mortgage. Paying additional money to free my payment sounds to me more like " extortion '' ( now we have a term government officials may be more accustomed to ). Furthermore, I made my payment due XXXX XXXX on XXXX XXXX and have been told that they received that payment but applied it for XXXX. I have NEVER missed a payment! I have NEVER been LATE with a payment. So, how could my payment meant for XXXX be missing? Somehow, with all the XXXX of setting my funds in privately held " escrow accounts '' without crediting my original account, a payment has gone missing on the part of Nationstar Mort. I have all the cancelled checks and should be " up to date '' as of the XXXX payment. My next payment is due XXXX XXXX, 2016. 

Please pursue this course, the complaint is NOT CLOSED! 

XXXX XXXX PS I prefer not to use the computer as much as it may be easier than reading my handwriting. I pride myself on not having " physician handwriting '' and would appreciate having a proper phone contact ( as much as you may prefer to not hear from me ) -not a machine bent on improbable circles of input. I will follow up with Senator XXXX office, as they had been the origin of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt validation letter from Commonwealth Financial for services rendered at a hospital I have never been to before. I called the hospital and spoke to their billing department about this and was told to direct this communication directly to the debt collector. This is my official notice to Commonwealth Financial that the debt they are attempting to collect from me is not mine. I did not sign authorizations at this hospital and have now confirmed this with the hospital. There are two other XXXX XXXX 's ( that I know of ) in the XXXX XXXX  area. I believe this debt belongs to one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am, once again, submitting this CFPB complaint to you to request that you remove the negative description on my Credit File. When I checked my credit record, I discovered a lot of billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$79.00} XXXX You have failed to send me copies of results of your investigation and yet you claim that the disputed erroneous acccounts are acureate and verified.

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 2021-07-09
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian 's implementation of the " security freeze '' feature ( mandated by law ) is broken, dysfunctional and impossible to use, be it online or over the phone. It's hidden and not included in a regular user 's account menu/features ( because they have a commercial alternative forced on you ). I had no problems using " freeze '' feature on XXXX or XXXX websites. I spend several hours today ( XX/XX/22 ) on Experian 's website trying, re-trying, looking for alternative means or options to freeze my credit report to no avail. 

Nothing works online ( main page with 4 primary choices - www.experian.com/freeze/center.html ) : 1. No way to check current status of the " freeze '' on my credit report!

2. No way to get a confirmation page and/or an email after submitting the form with all the details when requesting a " freeze ''. ( Under " Add a security freeze '' opton ) 3. No way to get a confirmation page and/or an email after submitting the form with all the details when requesting an " unfreeze ''. ( Under " Remove or lift security freeze option '' ) 4. Upon submission both pages gave various errors ( snapshot attached ) or empty pages ( with a logo, common header and footer ).

5. Tried calling XXXXXXXX, as error message suggested and was unable to speak with any agents. Very limited automated system only had 1 or 2 options to choose from and after trying all the options it offered I was unable to check the status of the freeze, whether it's active or not and no option to " unfreeze '', which should be executed within 1 hour of user 's request per regulations.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company 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