BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: On Q Financial
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX County taxes were paid through escrow on of XXXX which was overpaid by nearly XXXX XX/XX/XXXX sent actual tax forms from county to mortgage company for them to fix amount XXXX new escrow statement with mortgage increasing by over XXXX a month. 
XX/XX/XXXX sent tax forms again to mortgage company and opened another case over the phone to fix account XX/XX/XXXX called mortgage company and was informed we would get an answer by XX/XX/XXXX XX/XX/XXXX - escrow and mortgage still not corrected and no date as to when this will be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CHASE BANK FROM A XXXX FLORIDA EXCHANGE WHICH IS XXXX HAS CALLED 82X FROM XX/XX/2018 - XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Statewide Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I had my home inspected XXXX after putting an offer in, waited for repairs and had another inspection done on XXXX. None of the repairs were done. I was assured by both my realtor and the sellers realtor that there would be receipts of repair at closing. The seller never showed. I was urged to sign the docs. Currently - my roof isnt attached to my home and my walls are holding water cause mold and almost unlivable quarters for myself and my XXXX children. One of which is special needs. I reached out to the sellers realtor for documents and she provided me one fake receipt from a roofing company that said I had a 5 year warranty on the home- which now the point of contact has blocked my number. No other receipts were provided to me upon asking. Inspection Buyer Report was signed and agreed to by both parties and the seller did not keep his end of the deal, as the back end of my home is caving in and my HOI will not allow me to make a claim on my home due to it being a pre existing issue. Ive emptied my savings, drawn off of my XXXX and have exhausted all avenues of credit which have now left me on the cusp of bankruptcy. I have had to seek out an attorney as well as miss many days of work without pay due to the work being done on my home. Companies liable : XXXX XXXX with XXXXXXXX XXXX XXXXXXXX XXXX with XXXX XXXX XXXX XXXX, Statewide Mortgage as I do believe the home was not up to FHA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need have my monthly statements sent on time. I receive my mortgage statement on the XXXX of every month. That doesn't give me enough time to send the payment by the XXXX of each month. If my payment is not applied by the XXXX of each month, I'm charged a penalty and it will show on my credit report. The only method of payment I've been using is writing a check and mailing it. That's the best way for me to keep track when the check is cashed. I don't trust having the amount drafted out of my account. 

Also I need to modify my loan. I have a balloon note that will be due in 2028.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Asked in writing that my PMI be canceled and an appraisal be ordered on XX/XX/XXXX. Called in several times due to no contact and still no response and different answers when I call. Keep getting the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Solar Mosaic LLC
State: CO
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 contacted the two credit bureaus XXXX and XXXX. They continue to report that an account, solor mosaic, is open and current. That account is paid in full and closed. I have disputed the information as incorrect several times and the above companies report that the account remains open with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: Reporting company used your report improperly

Complaint:
IN accordance with the Fair Credit Reporting act XXXX Account # 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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


XXXX XXXX XXXXXXXX Filed on XX/XX/2016 Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXXAccount number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account 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 2020-06-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent all documents ie police reports identity theft report to Experian on 4 occasions regarding a chapter XXXX filed showing only on experian, it was filed fraudulent and shows dismissed in a one month. I have spoken to the courts that advised me that they didnt verify this information but that it was taken off a website ( pblic records ) they told me they do not report this information and also shows i have complained almost a whole year about getting this off my credit with my social. experian first told me they received information from lexis nexis in which i reported to them and they immediately advised that this chapter XXXX is not on the report and that experian should not be reporting it, I contacted experian for the 100th time and then they said they received it from XXXX bankruptcy which they also stated was false, they do not report or had spoken to anyone to confirm accuracy. can you all please get this removed from my experian report its causing difficulties in my personal living arrangements for my children and I.It was filed and never processed due to no payment. I have been dealing with this for over 10 years with my credit and this is stressful and causing problems

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 2021-10-19
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I request that you CEASE and DESIST in your efforts to collect on the above referenced account. It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account. 

You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable federal and state law. Remove this account from my credit report. 

There are several FDCPA violations that your company has committed. Each violations carries a {$1000.00} fine. I have found a total of XXXX FDCPA violations ( {$8000.00} ). 

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
IN accordance with the Fair Credit Reporting act XXXX Account # 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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


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 2022-07-21
Company: EQUIFAX, INC.
State: OH
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:
Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. 
The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: TX
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:
I began a bankruptcy by taking the class required After taking the class and seeing how much it was going to effect me there was no point in following thru with the bankruptcy the paper work was never filled yet this remains on my credit Ive disputed with Experian and they say because there is a court record then it happened but you can see by the dismissal letter that no paper work was ever received by the court. That bankruptcy should not be on my credit because there was never a bankruptcy happened XX/XX/2019 Also the reference number they have on file Is incorrect

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 2023-05-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed an error in my credit report. I notified the credit card company XXXX XXXX XXXX ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). 
When I first received a credit card from XXXX XXXX I attempted to set up autopay which would not work, and I had to call XXXX to set up AUTOPAY because it was obvious that the website had technical issues. 
According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.

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 2023-09-14
Company: EQUIFAX, INC.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX Account # XXXX XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: AR
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 was a victim of identity theft and this is another request to block and remove the information from my credit file resulting from the identity theft. My information has been exposed in the Equifax data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/ any accounts and information not later than 4 business days after XX/XX/XXXX. I need you to remove the following items off of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive already included this report in my previous complaints & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I called XXXX, XXXX  and Equifax to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # (  XXXX ) but XXXX, XXXX  and Equifax still refuse to update the information. XXXX, XXXX  and Equifax has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, XXXX and Equifax infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, XXXX  and Equifax is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am going though identity theft! It has completely turned my life upside down making me paranoid, and has brought out challenges as in my XXXX and heightened them as well I have meet and exceeded expectations that the bank has requested in my option, and have had to be part of my own dehumanizing. As I am XXXX I am asking for a reasonable accommodations for my XXXX so I apologize in advance if I mispronounce, might not ask or explain thing probably. I do appreciate your patience with me. I have been a customer with XXXX XXXX sense XXXX in XXXX I opened a business banking account for my charity the XXXX XXXX I do outreach and advocate for individuals with XXXX including myself I was refused the reasonable accommodation as well as simple fundamental customer rights I believe the identity theft is though the bank I am convinced I am truly at a loss for words as I watch my credit score and my public image, and mental heath are diminishing. I live on a fixed income and cant afford the money, time from school, and the Commuity that I help I am also part of the XXXX XXXX XXXX XXXX XXXX programs of XXXX  county and I have put everything on hold they have subjugated me to ableism on a level that has left me crying myself to sleep nightly. I never asked to be born little loan with XXXX and I have overcome all adversities life have thrown my way but this one with the bank has prolly been the hardest and thats a bold statement please help me I have supporting documents as well I have went to the bank over thirty times in the last two months only to be refused service or misspelling my name on the business account and the refusal of the documentation from the IRS on two different occasions I was flagged as fraud as well because the misspelling of my name multiple times from the bank has me as having alias and now my capital one accounts were compromised as when the 360 banking with capital one reached out to verify me XXXX XXXX XXXX gave them false and fraudulent information about me I know this sounds far fetched but I can prove everything with documents and a mound of evidence thank you for taking the time to reach this sincerely XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Company acquired my loan this past year and Ive been on auto payments. My XXXX Bill suddenly they added a {$1.00} donation to my payment without my knowledge and without my permission. 

I called them and they refused to remove the charge and wouldnt provide proof of opt in. Told me they would have to Mail me a form and then Id have to mail it back to get it removed. I stated that by the time that happened they would already have taken my money. Spent over an hour on the phone with multiple staff members and they refused to resolve the problem and remove the unwarranted donation charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TD BANK US HOLDING COMPANY
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:
Its bout one late payment happened last year the company never sent me a notice to my email or even at my mailing address, one morning I wake up and see my credit score dropped XXXX points I immediately called them to resolve it and made the payment and then I thought I will get back the XXXX points I lost, I never did, I called the company multiple times to resolve this issues, all they give me is running around its been months since Ive been dealing this problem Im losing money cant sleep Im stress out. Cant rent apartment cant get a loan its been nightmare.. any thing you guys can do to help Ill greatly appreciate it. 
Thank you!

Company response to consumer: Closed with explanation