BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I made two payments Bank of America on my account in XXXX of XXXX they applied them on XX/XX/XXXX one for XXXXXXXX XXXX payment and took the other payment and applied them to escrow only and will not change them XXXX, XXXX payment was made via check XXXX 's payment check numberXXXX for amount of XXXX for principal and interest and checked number XXXX for XXXX for escrow as described in memos portion of check XX/XX/ payment check number XXXX for XXXX for principal and interest escrow check number for XX/XX/ amount of XXXX as described in memo portion of check they only applied XXXX month payment put the rest in an undeposited account and then moved it to escrow

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 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

billing error on my credit report the payment for the car went to the treasury of that account capital one financial is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: MO
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:
Once again experian lied. Per there own letter from XXXX XXXX stated they would fix the problem and add XXXX  which is XXXX. XXXX  report ontime payments. XXXX these complaints EXPERIAN is retaliating against me. Read the letter from XXXX XXXX in will attach 5 months of XXXX even though ther is actually 13 months of payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XXXXXXXX XXXX XXXX  has been charging my credit card for 6 months of extra random charges. I contacted them by phone and email and the charges continued. I contacted Bank of America and explained the situation was told there is no manager available, there is no phone numberto reach one, and i can not get an ID, Badge number or any information that i could use to refere back the the representative i was speaking to except a first name and was hang up on twice. 
My card has been fraudulently charged hundreds of dollars and the bank refuse to help me resolve the issue in anyway but has no problem charging me for interest on the fraudulent charges being billed to my account.

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 2017-06-24
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When this company initiated foreclosure proceedings their attorney XXXX XXXX XXXX XXXX brought to light and even requested that the deed be corrected because what they described as a scriber 's error on the registers office personnel. After reviewing and looking back through ever deed on the property back to its creation in XX/XX/XXXX I did notice the descrepency in the deed itself. But they should not be allowed to change said deed and the loan and deed should be invalidated and the company wiped this mortgage out as a business loss on their end and title said property back to me or refund every dime that has been paid to them since the loan was originated if not just for since it has been in the possession of Nationstar Mortgage LLC. The reason being that the error they are trying to have the court change is not on the part of the registers office as they imply, but instead on the closing attorneys fault ( from the original closing attorney on the loan ) to the attorneys that Nationstar also had do the closings during the modification and subsequent attempts at foreclosure. All of these parties except for myself being the home owner had pre-existing knowledge of this error in the deed and did nothing about it until the company " Nationstar Mortgage LLC '' decided to foreclose on the property. Documentation can be submitted with this complaint that shows that the original closing attorneys listed said description in every document relating to this mortgage " the mortgage, the deed, and even the title insurance '' and Nationstar when taking possession of the loan more or less the modifications it put the loan in also listed all of the inaccurate information without legally verifying the correct information was pertained in all of the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My son and I bought a house together and I co-signed for his part of the cost. 
Approximately a month ago my son got a foreclosure notice because he was two months behind on payments. 
Since we have the mortgage payments automatically sent for our joint bank account we were shocked that we were two months behind. 
My son and I called the mortgage company about the situation. The representative said that the XX/XX/2023 payment was not received. He requested a copy of the cleared check which we provided. 
This month my son received another foreclosure notice ( very unsettling for him ) so I went to the mortgage companies website and read a synopsis of their investigation. Apparently they applied the entire mortgage payment to the escrow account!! Why would they do that? 
I have just instructed them to apply the overage in the escrow account to the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company is Capital One Auto Finance. It should state on my credit report that this account is paid in full. Please make this correction. The company number is XXXX. PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Aqua Finance, 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:
I received a statement from Aqua Finance Inc., stating that my Revolving Credit Agreement with XXXX XXXXXXXX XXXX, has been referred to them for collection. 
The statement shows a transaction dated XX/XX/XXXX for 5 windows and 2 sliding doors in the amount of {$6500.00} for account number XXXX. 
I don't know who XXXX. XXXX XXXX, or Aqua Finance Inc. or what transaction they are referring too. This is a scam to collect a debt I don't owe! 
I have a new home built in XXXX and have no need nor ever purchased windows or doors from anybody.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an XXXX credit card with Comenity Bank. They closed the account on XX/XX/XXXX because they were bought by XXXX. Ever since they closed my account, it has been accruing late fees and interest charges. Im currently unemployed but I was finally able to pay off the account on XX/XX/XXXX in the amount of {$250.00}. I checked my XXXX XXXX today XX/XX/XXXX to see if they reported that the account is paid off and I saw that there is currently a balance of {$3.00}. I logged in to my old XXXX account and there is an interest charge on purchases in the amount {$3.00} on XX/XX/XXXX. I sent Comenity bank two messages regarding this today XX/XX/XXXX. Im reporting them because they have unfair consumer practices and they have been calling me all hours of the night including weekends prior to me paying this account off. They left me threatening messages and they have been harassing me late at night and on weekends. Why is there an interest charge on a XXXX balance? They usually charge the interest charge every XXXX of the month and the late fee of {$41.00} every XXXX or XXXX of the month. If I dont pay this {$3.00} before XX/XX/XXXX then Im worried that I will again be charged the {$41.00} late fee and the account will accumulate again. Im currently unemployed and I really dont need this to ruin my credit score and my credit. Comenity Bank is horrendous and they need to stop this. Please help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I asked them to investigate the accuracy of their reporting. They have tried to re-aged my account with them on many occasions. They have not responded to me in any form whatsoever. It has been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: NV
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:
1. I recently requested the information be corrected, to reflect the current status of the account with XXXX XXXX. This account has XXXX balance and is closed as I indicated prior. Current review shows account open with {$2100.00} balance which is again incorrect. 
2. Incorrect addresses are still listed, and Employment need to be removed from file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please investigate the accounts that are listed in this dispute. 

15 U.S.C 1681 section 602 A. State I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 { A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please remove this information from my credit file as these accounts does not belong to me and you are hurting my credit because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
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: Account information incorrect

Complaint:
On XX/XX/22, XX/XX/22 and XX/XX/22 I asked the credit bureau to investigate items that I believed weren't reporting information at 100 percent accuracy. As of now, I haven't received any notices from them stating that the accounts are in investigation. In my letters to the bureau I listed my reasons for disputing the information as far as incorrect amounts, dates and statuses of the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nation Star failed to correct the dispute I have on dispute against them for the amount they said I owed them back from XXXX 2016. ( please look my letter I did on regards ) Please look for reference CFPB Case # XXXX I spoke with at least 2 representatives from the Customer Relations Department back in 2016 .They promised me to assist me to resolve it and it wont be any late payment fee, instead I been receiving collection letters, Today after i seen Inspections fee ( never took place ) and a late fee on the monthly statement I contacted XXXX at his number XXXX, he said in order to remove those late fees I have to pay the month of XXXX XXXX. *I told him I will formally dispute this Ilegal Charge and all the late fees on regards I been paying from XXXX 2106 up to date, You company never contacted me to resolve it. *Further I requested him formally to provide me a original Copy of power of Attorney from XXXX XXXX to NationStar giving the right to service this deed of trust, He said he will provide me a copy of the deed of Trust, and he said is not any regulation to force them to provide me one.I advised him it wont be acceptable to me I have the deed of trust by the way anyone can have a deed of trust and trying to collect from them. Now in hand I have a Document an email dated XXXX XXXX 2016 from the same investor XXXX XXXX to me saying : " XXXX is the servicer ''. It looks contradictory what NationStar pretending in take a title/capacity perhaps does n't belong to them. I will like the CFPB regulator look into this matter because i believe something is not right. lets remember this Servicing company has fined per this federal agency : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-nationstar-mortgage-flawed-mortgage-loan-reporting/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a Third-Party Authorization to Nationstar in XXXX 2017 authorizing them to disclose my mortgage information to my attorney 's office. At no time did I submit a " change of address. '' However, since then, Nationstar has changed my mailing address to my attorney 's office 's address and refuses to reinstate my actual mailing address, which is the address of the home. My attorney sent a Notice of Error on XXXX XXXX, 2017, but to date Nationstar has not responded. They are continuing to send my monthly mortgage statements to my attorney 's office instead of to me at the property address. My attorney 's office then has to forward the statements to me. I am afraid that I will miss a payment or be late on a payment because of this. There is no litigation pending so I am not sure why Nationstar insists on communicating with my attorney 's office only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Citibank XXXX XXXX Letter Rec 'd on XX/XX/23 Informed me that they applied for the CC on XX/XX/23 The perpetrator tried to charge ~ {$1500.00} " Declined '' The Home Depot/Citibank Card opened without my consent or knowledge. 
An Application # Rec 'd the physical card on XX/XX/23 Called Fraud Verification THD/Citibank XX/XX/23 No Complaint Filing Confirmation # from the Fraud Verification yet. 
Freeze on XXXX filed Need to place Freeze on XXXX & XXXX still

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 2017-06-16
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Currently I have an FHA loan with Nationstar mortgage,  XX/XX/XXXX  I received a HAMP modification I fell behind because I had to replace my roof of my home. I filed for Chapter  XXXX  bankruptcy  XX/XX/XXXX  to keep my home  XX/XX/XXXX  I applied for a Loan modification again I was told I would not qualify until  XX/XX/XXXX  for another modification which would be 2 years from the previous one, It was denied  XX/XX/XXXX  saying I had a previous modification. I applied again and now they are saying I There is a Government Investor and I would not qualify for a modification until  XX/XX/XXXX  now 3 years later, can you please look into this for me I have been trying diligently to get the payment modified now that I can afford it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-09-22
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with non-monetary relief