BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: MS
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:
The XXXX XXXX account is showing a balance but the account is paid in full. XXXX  XXXX Account No. : XXXX. Attached is a letter from XXXX XXXX staying that the account is paid as of XX/XX/2018. I sent Experian this letter and they still report XXXX XXXX as having a balance. This just proves that Experian is very negligent in the credit dispute process.

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 2021-03-19
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I purchased a home using a conventional mortgage from Valley National Bank. I entered into an agreement to escrow my property taxes. The bank has failed to pay my property taxes on time since closing. This covers two tax quarters, both delinquent and one remaining unpaid. 

On XX/XX/XXXX, I realized my property taxes were almost a month late. I was instructed to email XXXX XXXX, a manager at one of the branches, and informed him of the delinquent tax payment. The bank then overnighted the payment. 

In XXXX XXXX, I was, yet again, informed by my XXXX that my next quarter tax payment was delinquent. I informed Mr. XXXX of this error. He informed me they would overnight the check. On XX/XX/XXXX, my taxes were still unpaid with no check received. I was informed the check was mailed to the wrong address and they would overnight it again. The bank then suggested I take my taxes out of escrow and pay them myself going forward. Which I find completely unacceptable. The agreement I entered into with Valley was to escrow my taxes. I should not be forced to pay my property tax payments myself. 

On XX/XX/XXXX, I was, once again, informed by my XXXX that my property tax payment is still delinquent. No payment was received from my bank as of today. 

If I, as a mortgagee, was delinquent with my payment I would be heavily penalized and my home in danger of foreclosure. Valley should not be allowed to continue mishandling my money and violating our lending agreement. 

XXXX XXXX has been kind and responsive, but Valley continues to display a lack of administrative capacity in managing its escrow accounts. I also uncovered major errors during the application/closing process, which seemed to have been a precursor to their administrative ineptness. I would caution all consumers from working with Valley National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One is committing fraud in my name. Capital One needs to remove every closed account controlled by the institution immediately on my credit file or I will be suing for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 at XXXX XXXX, a debt collection representative with the debt collection agency Hunter Warfield called my cell XXXX. The representative was very rude and being difficult with me. Because he was being so rude and difficult with me, I told them to never call my number again. After me saying this to him, he sighed and then hung up on me. Despite me telling them to desist calling me, they still call. The very next day they called again. XX/XX/2021 at XXXX XXXX  is the date they called me again. Then Hunter Warfield called me again on XX/XX/2021 at XXXX. This is a FDCPA ( Fair Debt Collection Practices Act ) violation. Hunter Warfield is able to be sued for up to {$1000.00} for each violation now. I Record all of my calls with a call recording app, and your lines say the calls are recorded as well. So if I take Hunter Warfield to court, they are required to furnish those recordings to the judge. The debt collection representative didn't read the mini Miranda too!! Hunter Warfield is violating my rights! Also the company from which this balance originated from did not give me a chance, or any options to pay any balance down before just sending something to a debt collector. Also, I left that apartment complex because they had apartments filled with SEWAGE AND IT WAS MAKING ME SICK!!! XXXX XXXX ADVISED ME TO LEAVE IT ASAP!

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 2021-03-19
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Servicing company monthly statement dated XXXX/XXXX/2021 invoiced me for a " Total Amount Due '' of {$1800.00} ; the " Explanation of Amount Due '' itemized the payment as follows : Principal : {$1100.00} ; Interest : {$5.00} ; Escrow : {$680.00} totaling the amount due of {$1800.00}. The amount ( {$1800.00} ) was paid on XX/XX//2021. The principal portion represented the final remaining unpaid principal balance of the loan thereby satisfying the mortgage. Loancare, Servicer, collected the funds and placed them in an account they called " Unapplied Account '' and proceeded to deem the loan as past due.They commenced collection activities and actually sent several certified mail to my home deeming the loan as " Past Due '' and also reported the delinquent status to Credit Reporting Agencies. I have just received a Disbursement Notice from them stating they paid the quarterly taxes which will become due on XX/XX/XXXX, 2021. have sent four messages to their website and no action ; Clearly, the company is another Hustler in the mortgage business relying on computers to do the servicing. I am seeking my satisfaction piece and the return of my original documents. Humans are unreachable at this company. 
ATTACHED PLEASE SEE THE XX/XX/2021 STATEMENT/INVOICE AND THE TAX DISBURSEMENT PAYMENT NOTICE

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 2023-12-05
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

SHELLPOINT MORTGAGE XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SHELLPOINT MORTGAGE customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Early Warning Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  and XXXX  XXXX XXXX are all showing on a early warnings consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NJ
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been trying to get a loan modification. We started the process in 2019 with Mr cooper. We have sent documents over and over because they say they didn't receive. Then they make us start the whole modification process over because they say the deadline has expired. They tell us something different every time I call. It's always a different person & always a different excuse. Right when covid hit they approved us for a trial payment & we made our payments. Then was approved for a permanent modification. So they sent us papers to be signed & notarized. We signed the documents, had them notarized & sent them back. First they said they didn't receive the signed documents & then they said we didn't send back everything. Which we did! & this has been the run around for two years. Now they denied the final modification after they approved it & want us to start all over again saying there's missing paperwork again. I'm so upset & I don't know what to do. They do this to people all the time. How can they just keep getting away with this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: NJ
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX US DEPT ED 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 2021-03-19
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Allied Collection Services

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 2021-06-15
Company: Lending Club Corp
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: Account status incorrect

Complaint:
I applied for a loan on XX/XX/21 to consolidate credit card debt. I took an offer with LendingClub. They asked me to submit new documentation to finally deny my loan three days later. I said find. I went to the competition. XXXX approved and funded my loan within 24 hours. " LendingClub '' then came around, approved and funded my loan too. Obviously, I rejected one loan ( I can not have two loans ). I rejected the " LendingClub '' loan. In some type of retaliatory move, " LendingClub '' then placed a Hard inquiry on my file on all three credit reporting agencies XXXX which they didnt need to deny or approved my loan before ). " XXXX '' didnt need it. They never placed one. Then " LendingClub '' reported to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) That I took out a loan with them. This is INACCURATE information and a clear violation of the Fair Credit Reporting Act. It only took them 6 days to report to the credit agencies that I had taken out a loan. But it has taken then 45 days ( and counting ) to report that I have rejected that same loan ( loan was rejected on XX/XX/21 ). This needs to be corrected. Thank you CFPB for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with Caine and Weiner. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EGL US, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is in reference to # XXXX. This loan was paid in full however, this is showing an active loan status with a balance. This information is incorrect. Please correct this information immediately. I've tried several times to have this address to no avail. I am being told I have XXXX accounts with BMG on my credit report. Please address this issue. The previous loan that was paid off, happened in XX/XX/2023. That was more than 4 months ago!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: IL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name / ADDRESS | DATE / ACC. NUMBER 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 has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX and bank of America are all showing on a XXXX XXXX consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts

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 2023-04-18
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
XXXX navy federal and XXXX  XXXX XXXX are all showing on a XXXX XXXX consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Attempted to use card at XXXX XXXX XXXX  card was expired realized I had never received a new one. Called number on back of card and logged in online only to discover that the line of credit had been closed. Noticed an adverse reflection on my credit score for this long-term card being closed. Contacted customer service confirmed that when card term was near its end bank unilaterally decided to close line of credit due to inactivity. Explained to rep there are very few places that except this card and the card was only used for high balance medical expenses due to its very narrow scope of acceptable vendors. Representative apologized but explained it was closed but I could re-apply for a new line of credit. Transferred to a supervisor who said it was not unusual for no notification to be given for account closure and apologized previous rep made it seem as though onus of calling to hey a new card near card expiration was on client rather than done as a matter of normal course. Explained again it was in terms and conditions that bank could close an account at their discretion with no notice to client but sympathized when I explained if I was given noticed I would have gone to one of the two places I know to make a charge on the card. Asked supervisor to file a complaint on my behalf he kept saying he would take the feedback and include my point of some notification in it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation