BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: National Credit Adjusters, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is for the following debt collection companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT ADJUST XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 My son left my XXXX  at a restaurant which had both my banking app and XXXX  XXXX  signed in. Someone took it and cashed out my checkings account into my XXXX XXXX account and then sent the money to themselves. I no longer have access to my XXXX XXXX because of this. I filed my claim with my bank ( BANK OF AMERICA ) XX/XX/2021. XX/XX/2021 i checked my messages with the bank and they denied my claim for {$3800.00}. I have my rent due XX/XX/2021 and i want be able to pay now because of the unauthorized transaction was denied.

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 2019-08-06
Company: Vengroff Williams, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted via mail by a collection company called XXXX XXXX ( XXXX XXXX XXXX XXXX fl XXXX ) on XX/XX/XXXX and XX/XX/XXXX. After the first letter I called the company ( XXXX ) and left a message stating this was the result of identity theft and I am not responsible for. The letter is for the amount of {$220.00} for a XXXX taken out fraudulently in my name on XX/XX/2019. The letter states that if I do not contact them within 30 days to dispute I acknowledge Im responsible. I did so but calling them as well as contacting XXXX for the second time and speaking with XXXX in the identify theft dept there, XXXX XXXX and the credit dept at XXXX. I send XXXX all the documents needed ( police report etc ). I even had the detective assigned to my case contact XXXX. I was told it would be handled. 
Now I get another letter dated XX/XX/XXXX from XXXX XXXX about the debt I do not owe. I called and left a message on XX/XX/XXXX. I received a call back from XXXX XXXX on XX/XX/XXXX and he stated he has no information from XXXX   that the acct was fraudulent. Ive done my due diligence with this and should not be contacted by XXXX XXXX. At this point its harassment and being the victim of identity theft makes it worse. 
I have also contacts XXXX for the fourth time about why they have not handled this case and I am still being harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have numerous times requested my PMI to be removed. The company continues to state my LTV must be under 78 % from the origination appraisal. The company has never been able to supply me with the origination appraisal, yet they state the amount is {$130000.00}. I have a current UPB of {$100000.00} as of my last payment made on XX/XX/2018. Through every calculation I have found to determine the Loan to Value, including the XXXX XXXX  website directly, this shows my LTV at 74.6  %, which is well below the 78 % requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a VA refinance loan. The agent XXXX XXXX XXXX XXXX told me to complete an appraisal the same day I started an application. After sending to the actuary, the agent informed me I would need to complete a conventional loan. After purchasing the appraisal, the appraisal company informed me an appraisal was not needed and if I purchased, it would be refunded at closing. I contacted the Cardinal ( from whom I purchased the appraisal ) and they informed me it would be refunded pending " project manager approval ''. The project manager is the supervisor of the agent XXXX named XXXX XXXX. 1 ) XXXX and Cardinal violated Equal Credit Opportunity Act, Reg B by failing to provide a copy of the appraisal. 2 XXXX XXXX and Cardinal also violated Truth in Lending Act, Reg Z by failing to disclose costs ahead of making changes to terms. 3 XXXX XXXX and Cardinal further violated Truth in Lending Act, Reg Z by failing to inform in a timely manner the type of loan and costs associated. 4 ) XXXX violated the Real Estate Settlement Procedures Act through the use of a kickback by allowing the borrow to prematurely purchase an appraisal, fully knowing Cardinal will not release funds without a supervisor 's approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
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.

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 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 2018-03-03
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XXXX and fell behind in XXXX. I had requested a modification and was denied. In XXXX my home was in process of foreclosure. XX/XX/XXXX we had a hearing and thats when NationStar decided to allow me apply for a modification. I got approved in XX/XX/XXXX. My payments went from {$1300.00} to {$1200.00}. What does nt make sense it that after for 3 months they raised it to {$1300.00}. They added {$12000.00} to the principal and I had to start over with 30 years. Therefore the 10 years I did pay didnt make a difference. I feel I was scammed because how does a modification help me for 3 months. I have nt made a payment since XX/XX/XXXX because I can not pay {$1300.00}. I was adjusting the modification payment. I need help on keeping my house. Mortgage companies like NationStar/Mr Cooper only set up the customers to fail. Plus my payment included loan insurance so it a no lose for them. Therefore why should I lose my home. I called a few times left my # and no one has called me back as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my taxes escrowed through Mr. Cooper. I received a notice in XX/XX/XXXX that my XXXX School District tax was not paid, which was {$3700.00} but had a late fee added so it {$3800.00}. I called their customer service line and was asked to fax the notice and I did that on XX/XX/XXXX. I also explained that XXXX SD uses a tax collector which is on the notice and they must send the payment there. I made a follow up call to them on XX/XX/XXXX and they informed me that the taxes had been paid and corrected. 

I received another certified letter, dated XX/XX/XXXX, from a debt collection agency called XXXX XXXX XXXX stating that my XXXX School district taxes were not paid. I called Mr. Cooper 's customer service number again on XX/XX/XXXX and was transferred to a supervisor this time. She asked me to email her the notice and said she would handle it and that they would be responsible for the delinquency fee. I explained that the payment must now go to the debt collector, XXXX XXXX XXXX, which is detailed in the certified letter. As of today, XX/XX/XXXX, XXXX XXXX XXXX is stating that they have not been paid yet. Mr. Cooper, however, did deduct a second payment out of my escrow which includes the delinquency fee. When I spoke with the same Supervisor today she stated that they could not see where the money actually went. Their system does not allow them to access that and that I would only get my previous dollars which were deducted from escrow back if they can get the erroneous payment returned to them. They still do not even know where they sent the money. 

I now have two deductions from my escrow account and they can not explain where either dollar amount went. One is for {$3700.00} on XX/XX/XXXX and the other is on XX/XX/XXXX for {$3800.00} and my escrow balance is reading {$0.00}. 

I believe that they should have called all of the tax entities involved with my escrow or requested the documents form me and made sure the appropriate places were paid. Once they received notice of their error, they should have corrected it out of their own pocket and not out of my escrow account. 

I receive another notice, dated XX/XX/XXXX, that my tax to XXXX County was not paid in XXXX. The original amount was XXXX and it is now XXXX due to a late fee. This notice was particularly concerning to me because it states that if the tax is not paid by XX/XX/XXXX they can place my house for an upset sale to collect their money. informed the Customer Service Supervisor of this when I talked with her today. She asked me to email it to her and I just sent it to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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 leased a car from XXXX XXXX which was totaled in XX/XX/2020 due to hurricane. The Insurance Company ( XXXX XXXX ) paid off the the pay-off amount that was requested by XXXX XXXX. XXXX kept falsely reporting that my account was still open and that I had a balance of more than XXXX , but it showed no late payments. When I asked XXXX  and XXXX to correct the information so my report would show that account as closed and as paid off as agreed, things took a disastrous turn and they changed to amount to XXXX $ but it also shows that I have been in late payment since XX/XX/2020. My score went down XXXX points in one day because of the WRONG and FALSE adjustment. 

My account should show XXXX balance and should show Paid as agreed, and should NOT show any late payments. And should show that account as closed as well. 

I need this to be corrected so my score bounce back as it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Keynote Consulting, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt belongs to XXXX. We were separated for 2 years and in divorce preceedings prior to her getting medical services for her XXXX with another man which was deemed to be her and the fathers debt by the court. 

The court ordered that all debt from this XXXX be paid by XXXX. 

The court order preceeded the debt collection. 

Some how the debt collection agency is allowed to put a collection debt on my credit report. After speaking with the collection agency, they are unwilling to remove this debt from my credit reports even though mine and XXXX divorce is final and I 've received notice that the funds in our divorce trust will be released which includes the {$300.00} for XXXX medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2022 Complaint to Consumer Financial Protection Bureau I took out a loan with XXXX and they were supposed to pay my Chase Freedom credit card in full : {$3200.00}. Unbeknownst to me, apparently their system will only accept " round figures '' and I was not told to round the amount up to the nearest dollar. Therefore, they only paid {$3200.00}. When I got a bill for {$.00} from Chase, I paid it, thereby giving the account a {$0.00} balance. However, when I got the next statement, I learned they are charging me {$37.00} for that {$.00} error. The CSR I spoke with refused to remove the excessive interest, stating it is based on the ADB. I do not feel I should be required to pay interest on an account that was ( technically ) paid in fully on XX/XX/2022, before the due date of XX/XX/2022, with the exception of the {$.00}, which was paid by me on XX/XX/2022, long before the due date of XX/XX/2022. If a loan is generated to pay off a certain amount, that exact amount should be paid, not " rounded up or down ''. Apparently banks and credit cards will do anything to get that interest. 

When I spoke to a CSR at XXXX XXXX, she told me several times about the " rounding up '' policy and when I asked to speak with a supervisor, she put me on hold, eventually disconnecting the call. 

Chase is doing the same thing on a second credit card account I have with them, Chase Slate, which has also been paid in full but the payment is not showing in my payment records. I paid {$1700.00} on XX/XX/2022, again before the due date. The account does not show my payment as of today, XX/XX/2022, but is showing a payment due on XX/XX/2022 of {$44.00}. My bank statement indicates that payment in full was posted to my checking account on XX/XX/2022. There should be NO interest charged. 

The resolution I request is that ALL interest charges be refunded and my accounts showing a {$0.00} balance. If and when I pay an account in full before the due date, there should be NO interest charges applied. If I close those accounts, which I would like to do, then my credit bureau score takes a nose-dive. Its a Catch 22.

I also find the interest rates these companies are being allowed to charge are more like loan shark and/or usery rates. No wonder people have to file bankruptcy just to make ends meet! 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: Synovus Bank
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I received my complaint response from XXXX XXXX, and I have read the information that was sent back to me in which I have questions. I see were it states that yes I did ask if there was an option to pay for delete, and you do no not offer that service. 

I also see were it states that XXXX is NOT reporting to the credit agencys. What do you mean exactly? Do I pay XXXX, and then you report to the agencys that it is paid for? 

Yes I did speak with a person who is a representative ( 1 ) time from XXXX. When you say ( 3 ) times to my line from XXXX in which I did say there were multiple calls to my line that is correct. More than ( 1 ) is multiple calls to my personal phone line. A recorded line should prove and indicate of one recorded phone call with a male representative on XX/XX/2022 like you stated. Only one call. 

I have asked for ( 4 ) items to be sent to my mailing address you have one file. In this complaint, you have sent me ( 22 ) copys of paperwork from First Progress and also including XXXX. I have yet to see a copy of my contract in which I have asked for. I see my billing statement, I see a copy of XXXX XXXX letter and it keeps repeating to the last page. Where is my contract that I have asked for more than once? 

I am trying to work with you to get this resolved in the best way possible. 

Can you tell me what I can do to make XXXX  meet to get this closed account off of my reports? Possible paying 50 %? Please help me get this resolved. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar/Mr. Cooper bought out our mortgage from XXXX, which was refinanced under the Harp program. After checking with our county treasurer, they found we still owed {$490.00} on our current taxes, which they said were delinquent. Then they paid off that tax and the new taxes, which were not yet due, the total amount being {$1200.00}. We never had an escrow account after living in our home over 25 years from any mortgage lender, including XXXX which was taken over by Nationstar. We immediately paid off the {$1200.00}, to XXXX out the escrow shortage. Our outstanding mortgage amount is under {$52000.00}. Our home equity appraisal from Mr. Cooper is {$190000.00}. My wife and I own our single family condominium together. We both have an over 800 credit score, very little debt, and our joint income is over {$100000.00}. Our net worth is over {$500000.00}. Mr. Cooper is forcing us to have an escrow account, and fund it with over {$3000.00}. In addition, they will raise our monthly mortgage payment from $ XXXX/mo. to $ XXXX/mo. I appealed 3 times to waive the forced escrow, and each time was denied. I now have to look for a new loan, and incur new costs, as well as lose the Harp program. We feel this is unethical, and immoral, and want to warn others about Nationstar/Mr. Cooper and the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX, and 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
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:
It has been deleted off XXXX and XXXX but XXXX is still reporting false information and harassing and calling and sending letters and keeping false inquiries that are not verified and accurate to my credit report! I have disputed over and over again and they are refusing to deleted these false things off of my credit report and sold false information to the credit bureau without my permission and false information and did not re investigate but instead constantly sending letters and it had caused me financially a lot of money and denials due to fraudulent accounts on my credit report!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation