BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Fidelity National Financial, Inc
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
YOUR COMPLAINT Fidelity National Finance took my job, my money total of {$250000.00}, XXXX XXXX XXXX XXXX. I have documentation from doctor that has proven my XXXX XXXX XXXX XXXX I was lead to believe these judgments not belonging to me would be corrected, they were false pleadings, misleading, and XXXX  stretched the proceedings out for the stature of limitations causing the issues to go away.. Fidelity National Finance wrote a letter stating they would fix my credit problem but they did not. The same promise was written to XXXX XXXX. I feel that they disparaged my character. 

XXXX XXXX is now working for XXXX and had worked for XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX. is involved with the loan initiators. I am not worried about alerting her. XXXX XXXX is in interest with the title insurance. Only trying to go after me and not honor what title influence is for. The homeowner has had title insurance forever. They actually filed a claim to get it on record because of my actions. There are a lot of them trying to cover themselves with people moving around between companies. There is a XXXX XXXX who was my claim person. The first claim person who I have a letter from oh everything is fine we will take care of this. This was when XXXX gave me XXXX XXXXXXXX to file a complaint on their behalf also. XXXX XXXX of XXXX. I actually filed claims on covered items and they were refused. Now, once again, they should be defending me and I have a new claim person. XXXX XXXX says, " remember I work for XXXX and that is who my loyalty is with. '' and that is my homeowner policy with XXXX. I dont know if you need the policy numbers of that. Homeowner policy, XXXX title insurance. It started out at XXXX then it was type 4 in XXXX. XXXX XXXX is what they were calling themselves at one point. The claim number is XXXX and the policy is XXXX. That was one policy filed on my account with them. XXXX XXXX and her number is XXXX. In your investigation you will find that to cover their ( profanity ) XXXX filed in XXXX when the original one I filed was in XXXX. I have a recording of someone in the executive branch telling me, sure file for both of us. That was XXXX XXXX who was made to disappear for a while but I found her and she still works for XXXX. XXXX and insurance that is the forced insurance they put on and it is $ XXXX 6 months. There is a class action suit and they got sued for this. None of this is public knowledge of what was being done to thousands of people. The claim number I have is XXXX. This is the initial person who I filed this against and her phone number is XXXX. I filed this XX/XX/XXXX. XXXX XXXX is counsel for XXXX and her number is XXXX. And the claim number there was XXXX which they hooked them up together I see. This just goes on and on. This is what I can give you on the company and then make the statement in writing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, 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 status incorrect

Complaint:
I have religiously paid my Child Support account each month since 2019 and have never been late. I have even made multiple payments in advance so that I don't ever miss a payment. I believe it is because of these over-payments that I have made that have caused it to appear that I was late twice when I was really paid up several months in advance. I have contacted Child Support directly and they have confirmed that I have never been late on my account ( I am currently paid in advance by more than 12 months ). However two late payments still appear on my credit report. Prior to these 2 issues, I had over 800 credit scores. It is not fair to have something as inaccurate like this to affect me for the next 7 years. I have disputed these late payments directly with the credit bureaus but they are still reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: NATIONSTAR MORTGAGE LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX, XXXX represented XXXX and XXXX XXXX in regards to their residential refinance. On the date of the funding ( XXXX XXXX ) we sent her payoff funds to XXXX XXXX, these funds on the payoff were good through XXXX XXXX. On XXXX XXXX ( 4 business days later ) we received a call from them saying this payoff was short. At that time the clients received called from them ( XXXX XXXX XXXX as well we received the following amounts from them advising us on the amount needed to get this mortgage paid off, the amounts were : {$1100.00}, {$190.00}, {$1100.00} and then the full amount of {$100000.00}. Once this was resolved over an hour phone conference with XXXX XXXX XXXX. # XXXX XXXX, our mutual client tried to pay this amount over the phone. We were told that XXXX XXXX can not accept payments over the phone and will only take certified funds to this short payoff. The client then followed the instructions and sent them via Fed Ex ( Tracking Number : XXXX XXXX the certified check in the amount of {$1100.00}. They stated that once this was received the account would be paid in full. Now fast forward to today, ( XXXX XXXX ) Our office received a check from XXXX XXXX in the amount of {$100000.00} regarding the amount that our office sent them back on XXXX XXXX. We are now back to square one. I have to now deposit this check and wire these funds back to them. I am concerned for the client that they are going to try to post late fees and this is going to be an on going process. The representative I spoke to now XXXX XXXX stated he has no notes in the system on the conversations over the past few weeks and will look into the employees that we spoke to so we can get this resolved. I feel immediate action needs to be done with this company. When this was going on even the employee XXXX was very sorry about this and stated to me that this happens all the time and they get a lot of complaints from people when they try to payoff their mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a letter back in XXXX that my escrow was short. I sent a check for XXXX and my payment would be XXXX. I did send that amount, and received the statement showing they put the escrow of XXXX towards escrow, yet they kept my payment at XXXX. 

Please view the exhibits that I attached in this email. I would like confirmation that my payment is 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 monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy.

Convergent Account # 12345, has violated my rights 15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-05-07
Company: Experian Information Solutions Inc.
State: NY
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:
AS OF XX/XX/ I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX  XXXX XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, XXXX  Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX  Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT

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 2019-01-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX   XXXX XXXX Account # XXXX CONTACT INFORMATION Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This account is reporting as a charge off and this account is not charged off and the credit agreed to remove it off my credit report. Please remove it off my credit report as this account is in error and does not belong to me XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX  XXXX/XXXX   Account # XXXX CONTACT INFORMATION XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX, OH XXXX This account states that I was 30 days late on XX/XX/XXXX, and XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Bread Financial 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: Information belongs to someone else

Complaint:
Some one stole my identity and applied for a store credit card in my name. I called the company and the verified and sent me paperwork stating the application was fraudulent. Who ever applied for the card it was was a hard inquiry which is still on my credit report and its affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Southwest Credit Systems, L.P.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking through my Credit Score and saw a {$300.00} collection for XXXX, and I currently have one account open through them as well as this is the first time I have ever been with the company. I call them to confirm that my account is in good standing as well as I have one had one account ever and they agreed. I then proceed to contact the collection agency about it and they said that they understand the situation and they would file a dispute as well as stated that they assume it was an error on XXXX part. A week passes by and I contact the collection agency and they tel me We have given the right back to XXXX and that collection is no longer apart of us, and after that call I proceed to contact XXXX and they once again verify through my social security number that I have only opened one account which is the one Im currently in good standing on otherwise it would be impossible for me to have debt owed and still open a 2nd account without paying the original first. I then proceed to dispute the collection on both sides, and with both parties agreeing that it was a mistake with the recorded phone calls I have yet to receive a letter stating that the collection isnt mine and will be taken off. I would like to have both parties communicate and actually follow through on whats stated in phone call logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Bonneville Billing and Collections
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bonneville Collections and XXXX XXXX are both reporting a debt on my credit file and it must be fixed immediately. I recently took a look at my credit and noticed that both Bonneville Collections and XXXX XXXX were reporting the same debt. This is a clear violation under the FCRA. If this is not resolved within a timely manner I will have no other option but to consult with the Attorney General and consult for legal suite . They are both in violation and this must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: PLANET HOME LENDING, LLC
State: KS
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:
During the COVID-19 initial impact on the United States my home loan company promised that if I enrolled in their loan forbearance protection I could skip up to 3 months of payments with no impact that would be reassessed at the end of the 3 months. I only skipped 1 month and quickly repaid it back over the next 2 months. They reported to the credit bureaus that I missed a payment. This clearly went against their published policies that during the pandemic no negative reporting would occur. They violated their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: NATIONSTAR MORTGAGE LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
It started here ( an email from XXXX XXXX formerly Nationstar Mortgage ) ( begin of email ) OnXX/XX/XXXX we made your Hazard Insurance payment of {$3300.00} to XXXX XXXX XXXX XXXX XXXX. Our next payment for this is scheduled for XX/XX/XXXX.
Just letting you know. There 's nothing you need to do.
Best, Your friends at XXXX XXXX ( end of email ) The problem is that I have TWO properties covered by XXXX XXXX XXXX XXXX, and XXXX XXXX mistakenly paid the Hazard Insurance premiums for BOTH properties ( which they have managed not to do in the past ). I opened a case with their customer service, and after a month, all they have managed to do is send me case information for another one of their customers. Someone is asleep at the wheel here. ( I 've attached the file they sent me. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar has changed to Mr. Cooper upon its change it stop receiving my automatic payments from XXXX XXXX XXXX. My automatic payments were sent in on time to Mr. Cooper, but they still refused the payments. I called and spoke to someone who became belligerent and short ending our conversation by hanging up in my face. that young man hung up in my face. The 2nd guy said that he couldnt help me but call back again and make two payments and then the company will allow me to pay future payments ... THIS I WILL DO, but I BELIEVE COOPER IS TRYING TO FORCE ME INTO A FORECLOSURE SITUATION WHILE RUINING MY CREDIT ... THIS IS A CASE OF BULLYING THE SMALL CONSUMERS AND HOMEOWNERS AGAIN ... .I was able to get help but they stated that they could not take my payments and they have charge me an additional excess of {$1700.00} in late fees and interest charges ... this happened once before with XXXX XXXX XXXX ... I barely recovered from that onslaught that gave a settlement of {$57.00} to me as consumer but millions to lawyers as I had to chase congressman and lawyers ... I need help ASAP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had been opened a claim on the date of the transfer XXXX XX/XX/2021 XXXX with my bank and on a weekly basis contact status of my claim and my bank sent an email to chase bank to initiate the reversed transaction but nothing heard from XXXX bank almost 95 days passed. 

XXXX XXXX XXXX conversation evidence from recipient is attached below Thanks a lot

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 2022-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated and incessant calls at all times of day, manipulating the blocked number feature by using several different numbers with separate area codes. If you'd like dates I can provide them, but they have called at least twice per day for the last two weeks. I will not put up with their XXXX much longer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I set up a payment plan in XX/XX/XXXX to split my XX/XX/XXXX payment over the next three months. So instead of {$710.00} I am paying XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Because the payment is different from my normal payment I an not pay online or the automated system over the phone. I was not given this information when I set up the payment plan, and was only told when I called in later on XX/XX/2020 confirming that the payment plan was set up. I can only pay with a person over the phone and they charge {$10.00} to complete the transaction. Today XX/XX/2020 the customer service representative said he could waive the fee, but only if I set up a payment for next month at the time of this transaction. I tried to set up a bill pay with my bank but it wouldn't get there in time so paying over the phone with a person was my only option.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Square Inc
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I get a portion of my paycheck direct deposited into 2 accts, my main account at my credit union and a small portion deposited into my account with Cash App. I had set this up 2 months ago and had 3 previous deposits go as planned. On XX/XX/19 I got paid as usual but my XXXX deposit never posted in my Cash App acct. I have been trying for almost 2 weeks now to get this resolved but keep getting the run around. I have confirmed with my employer that the funds have been transferred. See attachment. I tried to have it reversed but was told that XXXX rules won't allow it at this point. The company doesn't have a phone number or a general customer service email address. You can only reply to their emails. If you try and email back outside the email chain, it won't go through. I am very frustrated and don't know what else to do. It's only XXXX but it's the principle. Of this was a large amount and I couldn't access to pay my mortgage, it would be a problem. They don't understand Error Resolution regulations either. They don't understand that if the process takes longer than 10 business days, they need to credit my acct while they continue. Please help.

Company response to consumer: Closed with explanation