BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/XXXX house payment went up {$900.00} without my prior knowledge. Literally the day before I was set to make the payment, XX/XX/XXXX, my husband got an automated call about the account, although, nothing specific was stated. 5 days after the payment is technically due. Turns out the escrow account was empty because Nationstar gave us back the money in the escrow account and lowered the payment by {$400.00} one year ago. After doing their escrow analysis in XX/XX/XXXX,  which was n't much of an analysis, considering we had lived in the house 9 months, they did n't take into account the fact that it was a new purchase and the taxes were going to increase. I had already paid the supplemental tax in XX/XX/XXXX of over {$4000.00}. If I had any clue that it was a mistake I would have called but I thought that perhaps they had collected too much when we closed our loan in XX/XX/XXXX because so much money is taken from you, honestly. Nationstar ended up paying the increased taxes ( {$5900.00} split ) in XX/XX/XXXX and XX/XX/XXXX but did n't tell me that the escrow account was severely depleted. Now I have to borrow the money to replenish that escrow account otherwise the new payment would be a burden. Any time they could have told me. I realize I could have looked at the statements but everything is done online and it 's very user friendly, very simple to pay without looking at the statement. I had no reason to believe I needed to double check anything. No one called, no one emailed, there were no alerts on the account. Also when I spoke to them over a week ago they told me they were going to send it to an escrow research dept. I just spoke with them and there 's no record of that. What kind of way to do business is this? I did n't know, but they should have known and could have been, at the very least, courteous enough to let us know, instead of dropping it on us like a XXXX. Badly done Nationstar or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I obtained a loan from XXXX on XX/XX/XXXX for my taxi business. The money was deposited by XXXX into my Capital one personal checking account on XX/XX/XXXX which was the only account I had at the time. I now need the money to close on the XXXX for the taxi on Monday but I am being told by the bank that my account has been flagged. I was asked to submit my taxes and business documents for investigation and I did that on XX/XX/XXXX. I tried to find out when the investigation will be completed but the bank is unable to give me a definite date. I called XXXX on XX/XX/XXXX to find out if there were any issues with the loan and I was told by XXXX that the bank had no right to hold on to the money. I called capital one on XX/XX/XXXX to check on the status of the investigation but was told that they had no date. I need the money to close on the XXXX  by Monday or I will lose the XXXX  and I will not be able to get another XXXX  for the same price as the price of XXXX  keeps increasing. All my income is deposited in this account and I am unable to access the funds. I can not even withdraw money for my personal needs or to take care of my family. I will appreciate it if you can assist me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Tribal Lending Enterprise, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received an odd message that a claim is being filed against me in my county. They gave me a file number and said that they needed to verify my identity with my social. I told them that I didn't feel comfortable and they Said they would call my employer and find my location and send police. 

I told them not to call me again and send anything pertinent to me via mail. And please stop calling me. I feel like it is a scam. They wouldn't tell me who the original debtor was or anything. 

Their numbers are : XXXX and XXXX. 

I looked it up and it seemed like fraud but wanted to report. 

Thank you.

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 2017-07-25
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am attempting to FHA streamline refinance with Nationstar Mortgage NMLS # XXXX. They have changed the terms of the mortgage 4 times and fees etc stringing me along telling me it 's been approved or is pending final approval or must be finally re-approved. It does not seem like they are acting properly. Here is a recent email exchange, I sent a message saying " I have signed your third change of terms for the loan. If you try this a fourth time I will not be happy. ". They replied with a message saying " we had to make an adjustment to the rate, we had to lower the rate from 4.75 to 4.50 %, this is the adjustment that we have to do again today, because the 4.75 % rate does not benefit you. ". Yesterday they told me the 5 % rate does not benefit me so they had to lower it to 4.75 %. All I wanted to do mainly was remove my in-laws as co-signers and close the loan. Will this ever end?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Self Financial Inc.
State: WI
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:
On XX/XX/XXXX, I sent a XXXX Letter by certified mail to Self Inc explaining my hardship and how that resulted in a late payment in XX/XX/XXXX. On XX/XX/XXXX I received a response from Self Inc by email stating they are not able to accept XXXX Letter Requests to remove factual information from credit reports and that the late payment will remain on my consumer report. On XX/XX/XXXX, I sent an email to the CEO XXXX XXXX with my XXXX Letter explaining my hardship and how that resulted in the late payment in XX/XX/XXXX and asked for the information to be permanently deleted from my consumer report. On XX/XX/XXXX, I received an email from Self Inc again stating they are not able to accept XXXX Requests to remove factual information from credit reports. On XX/XX/XXXX, I responded referring to U.S Code 1666b ( Timing Payments ) which states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''. I explained that by reporting the late payment they are violating my Consumer Rights and are hindering my credit so I demand they delete the information from all credit reporting agencies. On XX/XX/XXXX, Self Inc responded back again stating they are not able to remove the factual payment history they are reporting and that I can also close my account if I am experiencing hardship, or wish to opt out of the program. I responded the same day referring to 15 U.S Code 1681a ( 2 ) ( i ) ( Exclusions ) which states a consumer report does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. I continued by stating it is illegal to report late payments on a consumer report and I demand them to delete the information. I also included screenshots of the Consumer Laws for their references by did not get a response back. On XX/XX/XXXX, I sent Self Inc a certified letter explaining my Consumer Law 15 U.S Code 1681a ( 2 ) ( i ) ( Exclusions ) and to delete the unlawful information. On XX/XX/XXXX, I received an email from Self Inc stating I requested a validation letter for an account I did not ask for. The account they are saying I asked for validation for does not have any late payments reporting to my consumer report, so I do not see how they confused the two accounts. I have continuously reached out to Self Inc along with the CEO to fix this issue and the company is refusing to comply with my rights to remove the late payment in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio RecoveryXXXX XXXX XXXX has been mailing and calling and harassing my family and I about a debt that would be too old to collect on but I do not owe them any money anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, my credit card issued by Bank of America ( BoA ), was charged {$170.00}. This was a fraud purchase that I did not make. The charge was posted on my account on XX/XX/XXXX. 

Since then, I have contacted Bank of America on three separate occasions to resolve this issue. Every time I was made to wait for over 30 minutes on hold and before being redirected to a different department. Finally, BoA mentioned that they will process review my dispute, file a claim, and provide a claim number. 

Its XXXX and I have not received a claim number or any updates on my dispute. No email communication or mail. As I type this report, I am on hold with XXXX customer service waiting for someone from their fraud department to take my call. 

Since it has been over four months, Im filing this complaint in the hope that CFPB can help with the resolution. Please let me know if you need any additional information on this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX Account XXXX # XXXX 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 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 2023-05-13
Company: EQUIFAX, INC.
State: MA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 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.

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 XXXX 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 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 2022-12-30
Company: Affirm 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:
Affirm has a fraudulent transaction on my account which is now delinquent. I have tried to resolve this issue multiple times but each time they have neglected any effort in assisting me. Please review my account and notice that i have attempted to file a dispute with XXXX but since then have also been declined. I have become desperate since i am getting no help on my case. Please review and make your decision accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a complaint under FCRA and Fair credit and billing act. I would like to see full validation and what the company right to collect on these accounts. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on myXXXX XXXXredit reports : XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number 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 2023-10-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute the validity of a collection account that has appeared on my credit report. The account is listed with account number XXXX, and I have no knowledge of this account. It has come to my attention that this account is a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ), I have the right to request detailed information regarding this alleged debt. Specifically, I request the following : 1. The original contract or agreement pertaining to this account, along with any application bearing my wet signature.

2. Documentation proving that I am responsible for this debt.

3. The complete account history and transaction records associated with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete and correct the following information in my file. THIS IS NOT MY FIRST TIME I HAVE REACHED OUT PERTAINING THIS MATTER!!! 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 Identity Theft Affidavit. Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
I had my identity stolen and someone had used my company credit cards Bank of America Card Account # XXXX from XXXX without my authorizarion. 
My grand daughter was managing my account because I am over XXXX XXXX XXXX. 
One day I had noticed all these fraudulent charges so I would like to dispute these charges

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 2021-12-17
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: Account information incorrect

Complaint:
I havent received my XXXX statement from XXXX XXXX XXXX  at all and the balance is still {$860.00} and I would need this be updated on my credit reports ASAP I normally received my statements every XXXX of the month and my XXXX XXXX is bad due to the high balance on my credit XXXX XXXX XXXX. And the balance should be around {$32.00} its missing the XX/XX/2021 payment history

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 2021-12-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian score is over XXXX point lower than the other XXXX majors credit bureaus, and references credit issues which do not exist on my current file to deny my credit applications.

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 2020-07-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Inquired with Wells Fargo about possible deferment during COVID because of hours reduction. They went ahead and processed our question as a request and we could not make payments. I attempted to contact them about not being allowed to make payments, without appropriate replies. I finally just made 3 back to back payments to play catch up on our mortgage. I would like to refi shortly and this is a roadblock.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX 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.

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