BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
While the XXXX letter is really long, and filled with details. As per usual its mostly phony superfluous verbose garbage that describes in great detail things that dont matter while omitting real substance that can be balanced. 
The final agreed arrears are covered. However the fact {$6400.00} was paid on it was left out. Why? 
Its left up to the imagination to credit that amount and guess what else has been added. But we do know the date I filed XXXX  XXXX and the date it was dismissed. The product of the unpaid ( {$28000.00} ) and the months they would not allow payment without reinstatement. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX at time of letter. That looks like XXXX {$23000.00} + XXXX??? = {$52000.00} sort of matches. Why not detail that stuff? Keeps us in the dark. Hard to dispute. Thats been the case for over a year. XXXX from XXXX  XXXX had the idea to ask XXXX  to show credits applied and their effect on the balance. This was never done, but it would have been a way to prove the canceled XXXX  XXXX trustee checks were deposited but not applied. They just kept saying the payment were applied. 
They werent. see XXXX and statements over {$30000.00} in mistakes From XXXX to fund was to be covered by XXXX. Note escrow is included. 
I was unable to make XX/XX/2022 because of the reinstatement issue. No count of months was outline to be added to the total. We are seldom given enough data to balance and its intentional. 
Note agreed arrears were entered at times when escrow was 200 % requirement. Because of misapplied payments. XXXX XXXX XXXX  should match up month over months because they have always been paid as one payment. The fact the escrow does not match balance is proof of mistakes. 
We see over {$30000.00} in mistakes despite denying any mistake was made for years. It should not be surprising that $ {$4900.00} overage in escrow turns into ( {$3700.00} ) then {$9000.00}. 
The only good thig is XXXX  is so bad at her job she leaves enough data to prove she has no idea what is going on. How could they be off by such substantial amounts. Even when others approve her work. 
Lucky for me she outlines the overage in the phone call on the letter. I think they must use post it notes or something. Its insane. XXXX cant be the only XXXX to experience this. They nearly foreclosed on me. 
{$6500.00} per the letter to reinstate or zero now its {$9000.00}. 
*They have also refused to reveal how Ive XXXX a year in my amortization without overpayments. thats another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have not received receipt of my Mortgage Loan Modification Application I sent via certified mail for the past 3 months. 
BANA has removed my ability to upload documentation to my borrowers portal making it impossible to provide additional documentation should you require it. 
BANA has failed to remove my loan from a foreclosure status though they have been provided ample and adequate supporting documentation providing you the proof that my loan application was received XX/XX/2018and moved to an attorney for foreclosure purposes less than 2 weeks later.

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 2020-09-29
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Issue with American Express Consumer card : As per the CARD ACT of XXXX, Credit card companies were given guidance on how to distribute consumer payments across different APR balance. The CARD Act has prohibited this disadvantageous payment allocation system and requires credit card companies to apply consumers credit card payments to the highest APR first. 

on XX/XX/XXXX, I took a cash advance with fees totaling {$1000.00} at 25.24 % interest. once the payment posted, I called to get the amount required to pay off and was told minimum payment ( {$200.00} ) plus cash amount balance ( {$100.00} ) and to also account for compounding interest until the payment posted. I made a payment of {$1300.00}. 

XXXX statement- charged {$22.00} in interest because of paid cash advance. I called and was told that it would be fixed. It was not XXXX statement- charged {$19.00} in interest because of paid cash advance. 

I called American express on XX/XX/XXXX and was told- verbally- by the representative amounts over the minimum due are applied to lowest APR purchase first. My APR is currently 0 % .Iexplained to her that was not accurate and she preceded to tell me about the payment hierarchy that Amex follows. Why does this excuse the act to protect consumers from making good on payments and not be consumed with interest and debt from large corporations. If this is not investigated, I will contact the FTC to launch an investigation into the fraudulent behaviors of one of the largest consumer credit cards taking advantage of other citizens who may not be aware of their consumer rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: Freedom Mortgage Company
State: MA
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:
Issue with Freedom Mortgage. 

An online payment did not go through, and they failed to notify me of the late payment until it was over 30 days past, resulting in bad credit report. They refuse to acknowledge any glitch/error. Upon contacting them they now falsely claim that they contacted me. My phone logs shows they did not. They never left a voicemail, never mailed anything, emailed me. The only positive contact made was on XX/XX/2020 for a payment due on XX/XX/2020 that did not go through online.

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 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit 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:
On XX/XX/XXXX, I received a fraud alert text from Bank of America, asking if I placed a {$22.00} charge at XXXX. I replied " No '' and they replied that they have restricted the card. I then called and asked they cancel the card and send a new one. While on the phone, I learned that not only did the {$22.00} charge post, but a second one for {$82.00} went through, both after I confirmed they were fraudulent charges. 

Even after confirming they were not mine and cancelling my card/ requesting a new one, the charges stayed on my card and the statement closed. Bank of America no shows that I have a balance and minimum payment due. When I called a second and third time ( XX/XX/XXXX ), the agents told me that they can not reverse the charges and I have to pay the minimum payment.

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 monetary relief
Consumer complaint received 2023-08-19
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:
I am formally submitting my CFPB complaint for the removal of fraudulent items in my credit file. I am not satisfied of my previous report as I found out. The fraudulent items listed still remain on my credit report in violation of Federal Law. The credit bureaus failed to comply with within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Based on my FCRA Section 605b, the credit bureaus are obliged to remove such fraudulent information in my credit file. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. The following items should be remove right away : XXXX XXXX XXXX, XXXX FALLS, XXXX XXXX XXXX, XXXX XXXX, L XXXX Balance : $ XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXX, XXXX K XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/2022.

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 2020-09-29
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX. Due to COVID, I was unable to make my mortgage payments on time for the month of late XXXX and XXXX. XXXX  XXXX  were cancelled. I was only assisting on 2 XXXX  XXXX  at best per week. I did not want a forebearance because I thought that it would hurt my credit score. I was under the impression that being late during the initial period of the COVID would result in no negative impact on my score. I was able to make the mortgage payments but late. I have reached out to loan depot on several occassions and asked them if they could remove the late payments from my credit reports due to COVID. They however, have told me no over and over again. I was only recently told about the second late yesterday. I value my credit and even during this pandemic, I have stayed strong and paid my bills. I have not received any unemployment or such. I am an XXXX  XXXX. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
XXXX has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. 
Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not XXXX cent to this lender. I also didnt sign an agreement, nor take out these loans with XXXX. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TRANSUNION is in non-compliance and illegally reporting Inaccurate false information About me the following alleged accounts are listed as collection And updated With past due balances and open XXXXXX/XX/XXXXXX/XX/XXXX in the amount of {$1200.00} As of XX/XX/2023 And XXXX XXXX XXXX XXXX In the amount of {$1200.00} As of XX/XX/2023 This is a direct violation of the FCRA and is also in violation of requisites Metro2 Compliant Reporting Standards By the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance in implemented With the CRSA enacted DCIA Metro 2 compliance regulations I have a right to a fair and accurate credit report and they are required to remove any information that is not truly accurate, compliant and verifiable

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 2023-04-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I first received an email about a job offer that was a remote data entry job. They ended up impersonating a company ( XXXX XXXX ) as they also sent me a check to deposit into my account. The scammer went by the name of XXXX XXXX. After I deposited the check, the amount balance was shown on my account. However, the check was bounced back 5 days later. The check ended up being a fake check and when I was transferring money from that check, it ended up bouncing back to me which meant that it deducted from my own bank account instead. It ended up costing me {$4400.00} as I first transferred out {$2500.00} followed by {$1900.00}. The check was fake as the check information was invalid. The money they asked me to transfer to was under the name : XXXX XXXX XXXX XXXX and the Account # XXXX and its Routing # XXXX as they also used XXXX XXXX XXXXXXXX located on XXXX XXXX XXXX XXXX XXXX Colorado XXXX. I've already contacted Citibank to stop and reverse the funds back into my account on XX/XX/2023 but they denied my request on 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 2022-08-29
Company: EQUIFAX, INC.
State: MO
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXXXXXX OAG child support Enforcement  # XXXX / # XXXX / # XXXXXXXX Missouri Div Child XXXX XXXXXXXX / # XXXX XXXX # XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Riverwalk Financial Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Deville Asset Management at the address they provided to XXXX, XXXX XXXX XXXX, XXXX, XXXX, TX XXXX. That mail was returned to me as undeliverable. That address is not valid, therefor they are not reporting 100 % factual information to the credit bureaus. These are violations of the FCRA and FDCPA. HELP ME!

Company response to consumer: Untimely response
Consumer complaint received 2023-03-13
Company: DISCOVER BANK
State: TN
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:
On XX/XX/XXXX, someone placed a charge on my discover card of {$430.00} at XXXX XXXX XXXX, Fl. I did not authorize. that charge, I was not in Fl nor make a purchase amount of on this card.. I was in XXXX I only purchased gas no shopping. I asked Discover to investigate & remove. I searched XXXX tried calling the number using that address and got no response it showed a auto company. i know my car has not been in a shop. I am having to pay for charge NOT make by me. I have appealed Discover decision stating this is a vaild charge. They are incorrect its not me. 

case # XXXX merchant XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: WELLS FARGO & COMPANY
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
According to Truth-in-Lending disclosures within contractual credit instruments I received are evidence a consumer credit transaction took place in the name of the principal ; legal person that I, the consumer utilizes. I am NOT the legal person. 

The subject of the credit transaction was charged to my security credit card; was for personal ; household purposes & not for commercial means. Transaction was satisfied ; settled at the dealership upon my signature. 

On XX/XX/2022 WELLS FARGO ( WF ) attempted wrongful repossessions. WF did not have express permission from a court of competent jurisdiction nor lawful right of seizure of my private property. I was not properly notified by Wells Fargo which caused a confrontation ; breach of peace. 

UNAUTHORIZED USE ; AGGRAVATED IDENTITY THEFT : XXXX sold my private personal financial & location information to a third party XXXX XXXX XXXX XXXX XXXX ( XXXX ). I did not give explicit expressed consent, either in recorded verbal form nor written form to use my private financial information to aid WF & XXXX in making a profit for their business.

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 2023-08-17
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
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:
In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the XXXX seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Account information incorrect

Complaint:
A balance is reporting on my XXXX  account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.

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