BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been involved in a predatorial loan For18 years now I purchased my home from an gentleman that does not exists as well as the bogus Company he used that no longer exists however when I purchased my home in XX/XX/XXXX for XXXX with a second mortgage of XXXX to be paid to the gentleman in which I tried to contact several times after closing would not respond to me for payment he sold my home to me for XXXX XXXX XXXX XXXX with a company name of XXXX XXXX after I closed on loan a new loan was filed three months later in the XXXX XXXX XXXX public records for XXXX on my property in which there is not a property within 25 miles of my address that apraises out for that much I did not find out for serveral years later however I was in a adjustable rate and needed to get out of I.T I  refininced in XX/XX/XXXX with a lady XXXX XXXX in which she was known for fraudulent mortgage loans in which she led me to believe that in the refinicing that there was no more second out of adjustable rate so XXXX XXXX would no longer be addressed on my deed however he still is on my deed to this day he doesnt exsist and my loan has been sold over six times and none of the Companies dont hold the deed to my home but yet they try to foreclose with so much fraud before theyve gotten my loan I purchased my home for a total of XXXX in XX/XX/XXXX and today I still owe XXXX for my home Iive in and been in 18 years now I have applied for modifications numberous time was at 13 percent interest rate from XX/XX/XXXX til XX/XX/XXXX was denied in serveral ocassions as well as did not pay mortgage for over seven to nine years because I dont know whom I paying to or if I could ever own my home individually and without someone else that doesnt exsist listed on my deed I am now with Nationstar in which is Mr . Cooper I jus would like to see how I could go about getting a loan forensic to bring some of this fraud to the open

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I received a call from XXXX at XXXX XXXX. After she verified who I was, she attempted to collect a debt. I explained that I don't want anymore calls and wanted the debt validated - she refused and said that she didn't have to do that and that I needed to pay the debt. There was yelling on both parts and she disconnected the call. I called back and got her again, explaining that I wanted the debt validated and again she refused, so I disconnected the call. I called back a 3rd time and got the general voicemail box stating that I wanted no more phone calls from them at all and for them to validate the debt and that I was issuing a complaint with the CFPB. On XX/XX/XXXX, I went on their website and stated that I wanted a cease and desist and to have the debt validated. On XX/XX/XXXX, at XXXXXXXX, I received a voicemail message from XXXX asking that I return their call. 

This is in direct violation of FDCPA. I told her on a recorded line that wanted the debt validated and she refused, I left a message on their general voicemail that I want no more calls and on their website and yet they continue to call.

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 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My mother has a credit card through Bank of America. She has XXXX and is unable to handle any of her own finances, so I have had legal XXXX of Attorney for her since my father died last year. A few weeks ago, I received a notice from BoA XXXXs Estate Services offering their condolences about her death and requesting a copy of the death certificate. SHE IS NOT DEAD. I have called them twice to try to get them to remove the DEAD status from her record but so far have been unable to. I've been told I either need to bring her in in person, or I need to appear in person myself to be added to her account as PoA. My mother is in no condition mentally or physically to do this, and the nearest branch to me is over 100 miles away. Even though I have provided them a copy of the PoA papers, BoA has continued to state they have no way to resolve this issue remotely, and in order to even get their legal team to review the case and consider waiving this requirement, I must file an additional official complaint with them. After speaking to a BoA manager today, she agreed to file the complaint on my behalf, and said I would hear from their legal team in two days by phone, but there should be no expectation that they will be able to do anything remotely. We have already had bills that were supposed to be charged automatically to the card get rejected, and I am concerned the longer this goes on, there is a possibility that her " death '' will be reported to other financial agencies and Social Security, which will impact her income and ability to get Medicare benefits. I've asked who notified them that she had died, and all they will tell me is it was a third-party institution, not a person, but they will give me no other details.

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 2023-09-05
Company: FIRST HORIZON BANK
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to formally dispute a negative credit mark that has been placed on my credit report by the institution, First Horizon, in connection with my mortgage. Also, acknowledge harassment and poor treatment. 

The issue at hand revolves around a severe lack of communication and transparency on their part regarding the maturity of my mortgage. I was shocked to discover that my mortgage had matured weeks before I received any notification from the bank. This complete lack of timely information has resulted in an unjustified credit mark on my otherwise flawless record. 

The bank failed to notify me in a timely manner about the maturity of my mortgage saying, It slipped through the cracks. I was only informed of this critical information weeks after the fact, which left me with very limited options and time to manage my financial situation and secure a refinance. This has been done, and the institution has contacted First Horizon saying a check will be sent to them immediately after closing has finished. Yet, still they call multiple times a day demanding full payment with threats of escalation. 

Despite being a responsible and punctual borrower throughout the life of my mortgage, I received no reminders, notices, or any form of communication regarding the approaching maturity date. This lack of communication is unacceptable and unprofessional. We offered to continue to make payments on the loan till the mortgage was refinanced, or make a very large payment, but this was DENIED by First Horizon.

As a direct result of First Horizons negligence, the credit report for both my wife and I now reflects a negative mark, which will have adverse consequences on our ability to secure credit and loans. This unjust credit mark has the potential to harm our financial prospects for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm reaching back out to you guys because they are a few items that are still on my credit that are not mine. Some items were removed however there are still things on my credit that are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bankruptcy Dismissed, XXXX XXXX, XXXX AND XXXX. There are also a couple of items that are on my report that dont even have a name just an account number. XXXX XXXX  XXXX and 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 2019-03-01
Company: Experian Information Solutions Inc.
State: GA
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'm reaching back out to you guys because they are a few items that are still on my credit that are not mine. Some items were removed however there are still things on my credit that are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed,  XXXX XXXX, XXXX AND XXXX. There are also a couple of items that are on my report that dont even have a name just an account number. ( XXXX  XXXX and 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 2018-01-13
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After continuing a dialogue with NationsStar/Mr Cooper as well as opening several complaints, reading and receiving their response, I have received the attached statement from this mortgage company. According to this statement, we owe {$10000.00} which is not what has been reported to CFPB. The last correspondence explains we have made 3 completed trial payments and our payments, afterwards, are modified payments of {$1400.00}? Which is financially unacceptable. For several reasons, we were TOLD, how this modification would work in our favor because payments would be smaller than the trial payments. Secondly, this mortgage company totally ignored tax payments are under a deferral and were sent back to the mortgage company several times because of this. One of the homeowners is XXXX and receives XXXX income making it nearly impossible to meet the payment of greater than {$1000.00}. A representative over the phone called and said our financials are not factored in when a modification is being considered. Please tell us how is this possible? Also, doing this time, our city suffered a flooding disaster ( XXXX, 2017 ) and this representative called attempting to collect a payment from us! Finally, we should have been offered a much better modification due to the disaster in our area recently. This is the fourth complaint on the same issue with this company and while the POC continues to deny Nations Star did nothing wrong, please share with consumers, state and government housing authorities why Nation Star would choose to exclaim its representatives did nothing wrong. Is that even the point? Previous submission ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: FL
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 XXXX2018 I had obtained a copy of my Experian credit report and noticed several inaccuracies listed in my credit file. I informed them of the inaccuracies by disputing them & til this day Experian is still reporting those inaccuracies as verified, how they be verified if the accounts have different status dates & different dates of last activity. This has been an ongoing issue because the accounts still remain listed in my credit file with Experian which is hurting my credit profile. 

The accounts that I have an issue with are as listed below : XXXX XXXX ACCT # : XXXX AMOUNT : {$1000.00} XXXX ACCT # : XXXX AMOUNT : {$190.00} XXXX ACCT # : XXXX AMOUNT : {$390.00}

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 2019-03-01
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I made 35 out of 37 payments, lost my job and tried to use my remaining funds in my 401K to purchase the vehicle. I was advised I had to pay over {$8000.00} to pay the vehicle off even though the care total finance amount was {$11000.00}. The company sold the vehicle and then the remaining balance to XXXX XXXX, and they are now trying sue me for over {$3000.00}. This company went as far as removing my credit history from XXXX as if I never existed and said I missed numerous payments. I have already filed a complaint with FTC, and the Consumer Protection Agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$3300.00} on the XXXX partial account number XXXX, as well as reporting incorrectly a collection/chargeoff of {$730.00} partial account number XXXX. ( Please see pages attached from my credit report. ) In addition, the bureaus have changed the opening date on these accounts to XX/XX/2020, and they have also changed the account numbers. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these line items be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-01-31
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX {$320.00} they later sent a check back in XX/XX/XXXX and requested a new consolidation wanting {$1600.00} and {$610.00} a month onXX/XX/XXXX and additional for XX/XX/XXXX payment when i was already paying {$320.00} a month the money was going to XXXX XXXX XXXX   company who has changed their name to mr. cooper XXXX XXXX XXXX and XXXX XXXX was responsible for this account my question is how my property reached the foreclosure status when i made my payment promply of {$320.00} each month after the property reached foreclosure my attorney XXXX XXXX charged me and my wife {$2500.00} to handle the foreclosure he advised us to file a temporary bankruptcy and we did later on the mortage company came back with a consolidation fee approved for {$1600.00} to be paid on XX/XX/XXXX and an additional {$610.00} and XX/XX/XXXX. payment due onthe third for {$610.00} how can this be when i was already making payments at {$320.00} a month where did the payments for XX/XX/XXXX and XX/XX/XXXX go this is unfair to me please help me with this situation thank you and God bless

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Eagle Accounts Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Child support has an account on my credit that is not mine/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 explanation
Consumer complaint received 2018-02-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage, LLC assumed my mortgage three months ago. Since that time, each client statement has included a line item entitled " short payment '' in the amount of {$50.00}. Therefore there is a total " short payment '' of {$150.00}. I have called Nationstar Mortgage, LLC each month inquiring about this line item. Each time that I call, they can not explain this {$50.00} " short payment '', nor do they follow up on my requests for explanation. My payment amount is, and has always been, {$990.00}. I have never been late on a mortgage payment in my lifetime, so this should not be any type of late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
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 have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from One Main Financial, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times. 

I've emailed the company ( one main ) without response. I've also filed requestes with XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've never received any information from Arcadia Recovery Bureau at all. They are reporting on my credit, and it is their job to notify me first for any such intrusion. I have disputed the account multiple times, in multiple ways, demanding that they validate themselves and their willful intrusion into my credit file, they have not responded! They are continuing to violate the laws by reporting the account and they are harming me and my finances! They've caused me extensive damages and I hope they understand that destroying peoples lives is not a game!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: AMERICAN EXPRESS COMPANY
State: WA
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: Problem with personal statement of dispute

Complaint:
I took a settlement with AE to pay for less. 
They are still reporting that i owe monthly payments even though i do not. 
It has been charged off and settled. 
Please have the acct removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get in contact with Mr. Cooper for mortgage assistance and have never been able to obtain the help I needed from them. When I was injured on the job, we tried to make things work with what I was given on workers comp but I was initially given a loan with Mr. Cooper with too high of an interest rate. This left us with a monthly payment that was impossible to afford.

Once we were a little behind, it snowballed. Every statement showed more added fees, and no one would explain them to me when I called. We were switched around constantly between agents. No one would give us a straight answer. They asked for paperwork that we sent over and over due to them not receiving it. We have met deadlines and followed instructions, but Mr. Cooper continues to deny our file and threaten us with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Capital One about two accounts that they have been reporting and they continue to report and even try to settle with bills. These accounts are not mine, I never had capital one credit cards. It is obvious what accounts I am aware of because I pay them and Capital One is not one of them. They will not provide applications or security agreements that was completed for me to even try and investigate where they received my information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As many did, I made a direct property tax payment to my local jurisdiction ( DC ). I sent a QWR to Nationstar/Mr. Cooper indicating the size of the payment ( {$6100.00} ) and with a confirmation from DC ( attached to this complaint ). I requested that they perform an escrow analysis and revise the amount due to comply with RESPA. They did perform an escrow analysis but failed to account for this {$6100.00} payment. Therefore the amount they propose to collect will substantially exceed the maximum they are allowed to hold in reserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from XXXX/XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit. 

Diversified Consultants Inc reported both derogatory accounts and did not send a written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.

Company response to consumer: Closed with explanation