BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During XX/XX/XXXX I filed a Chapter XXXX filing in Federal Court. On my filing I reconfirmed my mortgage at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX OHIO XXXX with Bank of America account number # XXXX. My wife XXXX XXXX who is also on the mortgage and deed did not file with me. We worked with the CFPB during this process and had our mortgage was modified and final approvals from BOA and XXXXXXXX XXXX coming during XX/XX/XXXX. At this time we signed and returned documents back to BOA that included updated XXXX XXXX Ohio mortgage deed papers to be filed in the County with both of our names on this updated deed document. 
We are now approved for a new mortgage with a bank/2nd home in Florida this year and the new bank after reviewing the BOA mortgage documents from our OHIO property mentioned to us that BOA says on the monthly documents that our OHIO property according to their documents is still subject to the Bankruptcy court and the property was not re-affirmed by me/us. 
I called this week XX/XX/XXXX and talked with XXXX employee # XXXX BOA and she told me that BOA does not have me re-affirming the loan on my Chapter XXXX filing and that we are just " renting '' the house from BOA. Pretty surprising that BOA not only has the Chapter XXXX filing documents that recieved from the court wrong in their database but that they don't even show our mortgage was modified them and this re-finance included new county ownership documents that were filed by BOA. 
After the Great Recession and the thousands of home owners that worked with the CFPB and modified their mortgages I wonder how may other consumers have the same incorrect paperwork on file at BOA????

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 2023-03-24
Company: Experian Information Solutions Inc.
State: NJ
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've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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

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 2019-03-30
Company: Experian Information Solutions Inc.
State: SC
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 am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from XXXX XXXX. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had 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 2018-07-17
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: Credit inquiries on your report that you don't recognize

Complaint:
There are several Business funding capitals that have unlawfully drawn my credit report without my promission, I just want fair credit reporting and scores updated as well

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 2018-07-17
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I enrolled then 2 weeks in I decided to drop the classes I was taking and withdraw. I was told by XXXX University that since I didn't complete the course I was under no obligation to repay the loan. I also was lead to believe I was getting a federal grant that I would not have to repay. I stressed this to the financial aid office due to me being on XXXX and knowing I wouldn't be able to pay back any type of loan. I was told I wouldn't have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be updated ASAP. Thank you. 
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 explanation
Consumer complaint received 2018-09-13
Company: Prince Parker & Associates
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, our office received a bill from XXXX XXXX XXXX for " business services '' in the amount of {$430.00} on an account I did not recognize. I called XXXX XXXX XXXX and was told this bill was for a broadband fiber optic installed on XX/XX/XXXX. This was the first bill although two years had gone by since the alleged installation. Our office never had fiber optic broadband installed so I initiated a billing dispute for which I have a tracking number. Later in XX/XX/XXXX I received a letter from XXXX XXXX XXXX demanding payment on our " delinquent '' account. I called XXXX XXXX XXXX on XX/XX/XXXX, and was told the dispute was resolved and no payment was due. Subsequently, in XX/XX/XXXX we received a letter from XXXX XXXX demanding payment. We notified XXXX XXXX XXXX by letter to advise the collection agency that payment was not due. In XX/XX/XXXX, we received a letter from a different credit collection agency, Prince Parker, again demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/18, I received a charge to my Citizen 's bank checking account for {$220.00} from XXXX that I did not authorize. On XX/XX/18, I reported this unauthorized charge to Citizen 's bank, and they opened an investigation. I was told that I would receive a response within 10 business days. 

I have not received a response nor a provisional credit. I called Citizen 's bank on XX/XX/18, and was told that I should receive a provisional credit while they continue their investigation. However, I called the claims department at Citizen 's bank today ( XX/XX/18 ), and was told that I was mailed a letter on XX/XX/18. I never received such letter. The claims representative told me that they needed additional information in order to proceed, including why the charge was unauthorized and the exact date that I spoke with the vendor. I informed the agent that the charge was not supposed to occur, and that I informed the Citizen 's bank representative of this on XX/XX/18. I also told the representative that I spoke with XXXX many times when the charge occurred, and XXXX told me that they never charged my card. I asked when I would receive a provisional credit, as I understood they were required to provide it after 10 days while they continue their investigation. I was told that they would not provide a provisional credit, and that Citizen 's bank had 90 days to complete the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


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 Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2023-02-24
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
They misinterpreted everything i have said. I knew nothing about they policy on limit of days. They don't care that stuff is system error and wont fix the fees for an account that wouldn't swurltch back to personal. I have communication barriers and comprehension issues. And a 5th grade writing level. They where twisting everything i said. I have had accounts hacked i am an identity theft victim. I had to close accounts after getting them recovered that where hacked. I finally reopen an account and deal with all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 a credit card from capital one bank was opened for XXXX dollars amd this was not me and now it is on my credit effecting me and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hi we financed two vehicles. My XXXX XXXXXXXX XXXX XXXX XXXX. We got it at a reduced price {$11000.00} credit acceptance website says almost {$22000.00}. My husband 's car {$7500.00} it says almost {$12000.00}. They messed up our credit score big time. They're doing it to others to.

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 2018-07-17
Company: SYNCHRONY FINANCIAL
State: PA
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/2018, I mistakenly paid my PayPal Credit account the amount of {$1900.00} through my bank 's bill payer. This payment should have went to my Mortgage company. I did not realize that this was done until I received a letter from the mortgage company on XX/XX/2018. I contacted the bank and they advised me that the check was cashed and funds were removed from my account. I called PayPal credit and advised them of the situation, they advised me that a refund check would be mailed to me that day. I have spoke to this company multiple times and seem to keep getting no where with them. The account had XXXX balance on it, so the credit has no bearing on any charges on the account. I advised them that its my mortgage payment and my credit is affected by this and late fees are being added. Nothing seems to be helping.

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 2023-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and I did not authorize the following inquiriey : XXXX XXXX XXXX via XXXX XX/XX/2023

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 2023-06-23
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$17000.00}, US DEPT ED XXXX XXXX XXXX {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
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:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX.

3 XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. 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 2023-07-12
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:
This is my second 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 records 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXXXXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/18 an extra payment of {$200.00} was submitted online towards my unsubsidized direct loan. With the payment was written directions to aliquot that payment as an extra payment and not a future payment to any of the loans. When my auto payment was made, the amount paid towards that loan was not the agreed upon scheduled amount of {$28.00}. Instead a total of {$6.00} was paid, {$2.00} towards the principal and {$4.00} towards the interest. When I emailed them to get this corrected they just sent me directions on how to set up auto pay. I already have auto pay in place. I called, waited on hold for 45 min with out talking to a rep. This occurs every time I make an extra payment. This means I am paying more interest on this loan because of this. Naviet is not here to help us pay off our student loans, they are XXXX  us every chance they get. In addition, I see the amount gets subtracted from my bank account, and then is not actually posted to my account for days after, and then gets back dated in the Navient history to match when the money was withdrawn to my account. I do not know if that interest occurred during that time of not showing the posted payment because they don't show when interest is added. I just manually figure it out each month, when I subtract what has been paid by the amount that was there last month. My balance on Navient does not match the balance amount on NSLDS ( National Student Loan Data System ). My naviet account shows I owe {$16000.00} and my NSLDS shows a balance of {$16000.00}. Why is there a discrepancy?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: OK
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I feel like I have been scammed by XXXX/XXXX XXXX XXXX with a second mortgage that I took out of on my home. I closed on a loan in XX/XX/XXXX for {$90000.00} with an interest rate of 9.875 for a 15 year term. Subsequently, XXXX XXXX XXXX sold the loan to Mr Cooper. My current balance after 12 year is approx {$79000.00}. I examined this balance a bit more closely because I was expecting to have paid off much more after 12 years. I then projected forward to XX/XX/XXXX which is 3 years away and it then dawned on me that there is no way that I will pay off the loan at the maturity date. I called a customer representative at Mr Cooper to explain to me why the balance has not gone down after so many years. Then she explains to what the loan is " ballon '' and goes on to explain that after my payment terms are completed in XX/XX/XXXX that I will have a balance that will be due at maturity. At the rate which the principal is being paid. I project that i will have over {$65000.00} due immediately. She then went on to tell me that if I can not pay the balance at maturity date that my home could go into Foreclosure. After completely understanding my predicamemt. I can not explain how much a scam this is. I went to a reputable bank to get a loan expecting that I will be treated fairly and trusted the process. After 12 years I am finding out how bad this product is and feel so defrauded by a reputable bank

Company response to consumer: Closed with explanation