BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please reference complaints XXXX and XXXX. 

Midland Mortgage is retaliating against me for filing these complaints. They deleted all my information from the first mortgage assistance application ( attached proof everything was submitted on website ). XXXX at Midland Mortgage 's lost mitigation department called me on XX/XX/2021 @ XXXX p.m. and wanted to do everything verbally over the phone. I am not sure another application is needed for a XXXX-day review to extend payment delays as I will explain the house is sold. They are being very crooked about all this. 

I also spoke with XXXX XXXX at Midland ( XXXX ) at length on XXXX and he was having my house de-winterized by XXXX properties. Midland assumed the house was vacant because I moved to a new job in Indiana but I do go home to my house quite a bit on weekends and Holidays ; it has never been vacant, abandoned, or unoccupied. He explained that XXXX may be outside taking pictures to ensure someone was there but I am not under house arrest by the bank and they do not have a right telling me how often I have to be there and I do not have no court order where I have to report to the bank when I come and go in my own home. There is more than enough proof that has been submitted to show I am still occupying and in control of my house. They had no right going in and changing the locks without my knowing or consent. 

The house has been sold. I sent the purchase agreement several times to Midland Mortgage. That was the only other document they were requesting for the mortgage assistance plan process. The buyer 's inspection is complete and all we are waiting for is appraisal ( scheduled ) and then closing on or before XX/XX/XXXX. I am submitting these complaints in hopes of preventing Midland Mortgage and XXXX Properties from stealing my house before the sale is complete. This mortgage company is breaking a lot of laws and violating my rights.

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 2023-03-26
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: Their investigation did not fix an error on your report

Complaint:
Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX Acct. No. XXXX. Because the past due balance reported by Transunion, XXXX and XXXX are different, which means the account has not been properly verified legally.

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 2023-08-02
Company: Central Portfolio Control Inc.
State: NC
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 logged into my credit report on XX/XX/2023 and saw the following account : Last reported XX/XX/2023, {$3500.00} - Open balance, XXXX XXXX XXXXXXXX XXXX XXXX  - Original creditor, XX/XX/2023 ( XXXX mos ) - Opened, Account status - Open, Type - No Account Type Given, Responsibility - Individual, Remarks - Placed for collection, Original creditor name - XXXX XXXX XXXX XXXX XXXX, I have no knowledge of this account and believe that this may have been identity theft. This account appears to have been opened on XX/XX/2023. I have no knowledge of this account and did not authorize anyone to open an account in my name. Nor did I see or have I seen the open amount. I have never done business with the original creditor. I believe this account to be fraudulent, and would like an explanation. 

I would also like to see supporting document from the company showing where this information came from. This information includes but is not limited to : To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. 

If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 

Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made. 

Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 

Does your agency have a debt collection license in ( name of your state )? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. 

I requested this information so that I can make an informed decision on whether I am responsible for the debt. 

Please treat this debt as being in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan that is currently being serviced by Mr. Cooper, formerly Nation Start Mortgage. I took out the loan in XXXX 2006 as a Purchase Money loan for 100 % financing. The 80 % first mortgage is with Mr. Cooper and the 20 second is with XXXX XXXX. I have not refinanced or done anything with the loan since except making all my payments on time without ever being late. 
The type of loan I have with Mr. Cooper is a 5-year ARM Interest Only loan. The Note to the mortgage states that the interest rate is fixed for five years, then adjust every six months thereafter based on the index described in the Note until year 10.

The Note also states that I will pay interest only for ten years regardless of the adjustments to the interest rate. However, the Note states that, after the Interest-Only Period, defined 120 payments ( 10 years ), the Note Holder will : " will pay principal and interest by making payments every month thereafter for the next 240 payments in the an amount sufficient to fully amortize the outstanding principal balance of the Note at the end of the Interest-Only Period over the remaining term of the Note in equal monthly payments. '' Unfortunately, Mr. Cooper refuses to adhere to the terms of the contract and continue to force rate adjustment to me. 

Their only argument is that I am in an adjustable rate loan and therefore the rate is going to adjust and that if there allow me to make " equal monthly payments '' as stated in the contract then I would have a fixed loan. They insist that what is written in the contract does not matter because I do not have a fixed rate loan. 

Please help me! I am going up against the full legal apparatus of Mr. Cooper who refuse to read and adhere to the terms of the contract that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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:
I am writing to seek your assistance regarding an issue I have been experiencing with Equifax and the updating of my credit card information on their website. Despite multiple attempts to resolve this matter directly with Equifax, I have not been able to achieve a satisfactory resolution, which is why I am reaching out to your esteemed organization for support and guidance. 

To provide some context, I recently contacted Equifax to update my credit card information associated with my account. However, I have encountered discrepancies between the information provided to me over the phone and what is reflected on my Equifax online account. When I spoke with Equifax representatives, they informed me that I have only two credit cards associated with my profile. However, upon accessing my Equifax account online, I discovered three additional credit cards associated with my XXXX number, even though I had already supposedly updated my Social Security number with them. 

Despite raising this issue with Equifax through multiple inquiries, my credit profile on their website has not been adjusted to include the correct credit cards associated with my account. This discrepancy is causing my credit card information not to be accurately reflected in my credit history, which is of great concern to me. 

I have made diligent efforts to ensure the accuracy of my credit information, and I believe it is essential for the credit reporting agencies to maintain up-to-date and accurate records. As a responsible credit user, I rely on an accurate credit history to reflect my creditworthiness and financial standing. 

Therefore, I kindly request your intervention and assistance in resolving this matter with Equifax. I would appreciate it if your office could communicate with Equifax on my behalf to ensure that my credit card information is promptly updated and accurately reflected on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had no knowledge of this account until it hit my credit report. I never signed up for a XXXX account. I have never received a bill from XXXX. 

I tried to call XXXX about this but they transferred me to a third-party debt collector ( Convergent  ). When I provided the customer service rep at Convergent with my name, she said she couldn't find any account under that name.

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: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute a collection item that appears on my credit report from XXXX XXXX XXXX XXXX. I have reviewed the details of this item and found several discrepancies that need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Account Number Discrepancy : The account number listed on XXXX is XXXX, while on XXXX it is XXXX. This inconsistency XXXX indicate a reporting error. 

Original Lender Name Discrepancy : The original lender 's name is listed as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX. 

Collection Agency Name Discrepancy : The agency name is listed as XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX. 

Absence of Information on Equifax : There is a considerable amount of information missing on Equifax, including account number, original lender, agency name, and balances. 

Current Balance Discrepancy : The current balance is only reported on XXXX as {$12000.00} and not on XXXX or Equifax. 

Different Status Listings : The status listed on XXXX is Unrated or bankruptcy while on XXXX it is Account seriously past due date/account assigned to attorney, collection agency, or credit XXXX 's public collection department. 

I am requesting that you conduct a thorough investigation into these discrepancies and correct or remove the inaccurate information from my credit report. 

I look forward to your prompt attention to this matter. Please update me on the status of this dispute within 30 days as required by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please remove these fraudulent accounts from my credit report as they are not mine and I have no knowledge of them. I am invoking my right under USC 1681g to have these accounts deleted from my credit report within 15 days. Kindly refer to the documents attached for verification.

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 2017-10-20
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just want to bring to your attention an issue I had with XXXX XXXX ( formerly known as NationStar ). During my recent mortgage payment I made an additional payment on top of my monthly mortgage. I am up to date with my payments. Rather than apply my additional payment to my principal, they used it as an additional monthly payment. I find this very troubling because this result in the additional payment being used to pay for interest and it increases the interest I will be paying on the mortgage. 
Before XXXX XXXX, my mortgage had other servicers and this is the first time this is happening. I think this kind of behavior is n't in the interest of their customer. It helps XXXX XXXX make more money while cheating the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Volvo Car Financial Services U.S., LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am writing today about a vehicle I had with Volvo Car Account # XXXX This vehicle was in a car accident Which was declared a total loss which insurance paid out yet on my credit report it states I still owe {$1900.00} Which is not accurate. I have tried to get this resolved with Volvo direct without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid {$30.00} on this account, which was the amount due every month, before the due date.i was promised a increased, for no apparent reason, in addition to being charged {$99.00} a year and {$10.00} a month.Well after I made the payment, of $ XXXX.I decided to close this account. I never received a bill for {$37.00}, which they say was due and not the {$30.00}, which sound suspicious. I received a call stating you should have paid {$37.00}, not {$30.00}, and we are going to charge you {$29.00} late fee.I have been billed {$71.00} for the month of XX/XX/XXXXI am not going to pay, these people are scammers and take advantage of people with less than perfect credit.There was no description of a {$71.00} charge.

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 2020-09-08
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I filed a dispute with XXXX, XXXX, XXXX and Lexis Nexis involving a public record that is inaccurately reporting on my credit report. It is a publica record more specifically a bankruptcy filing showing both the assets and liabilities sections inaccurately. They are required by the laws outline in the FCRA to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information on numerous occasions. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and they reported that they used a 3rd party. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS ( I have included a copy of that letter as proof ). I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of ALL of bureaus refusal to investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: TX
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 is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. please remove the following items : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX-MT XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : 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 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent account was opened with Bank of America XXXX XXXX in XXXX year. Both times I received an email stating that an online account can not be opened, and then received a subsequent email that the account was verified and opened. This has only ever happened with BoA. BoA also would not put a hold on my profile to attempt to prevent this from happening further.

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 2021-11-24
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, On XX/XX/2021 I decided to purchase a camera lens from XXXX. I decided to use my Apple Card ( Globman Sachs Bank USA ) for that purchase. I contacted the customer service via text message and asked the agent a simple question : Me : If I purchase with XXXX, can I still get the zero interest rates using my apple card?

The Agent : When you purchase with your Apple Card, it WILL NOT charge you interest whatsoever. 
Me : So ZERO interest? 
Agent : Absolutely! You are right.

Then I received my next month 's statement, and it showed an Interest amount on it. I called to find out why is that happening to my account. They reviewed the text messages at their end. They apologized for the wrong information, and they waived the interest rate for that month and promised me to fix the issue, and they asked me to call every month and ask for the interest waive since it was their mistake MISLEADING their customer. I called the next month, and I was surprised that they wouldn't do anything about it. They promised me to take it to the next level, but they did nothing about it. 
I called them repeatedly and just tried to get fair treatment since they gave the wrong information at the beginning but NO HOPE. They are charging me every month, and I had to change my payment plan and cut many things to satisfy their payments. They promised me to reach out with a different solution, but they did not. 
All I am asking now is to get fair treatment for the Misleading and Wrong information they provided me and not helping me get it fixed.

Company response to consumer: Closed with explanation