BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
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:
In accordance with the Fair Credit Report Act, Flagstar Bank has violated my rights and in return caused financial setbacks to my family. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 - it also states a consumer reporting agency can not furnish a account without my written instruction. 

On or before XX/XX/, I made a payment via phone to the mortgage company in order to ensure timely payment. Unfortunately, due to an unforeseen delay in processing on the part of the mortgage company , the payment was not processed in a timely manner. However, upon realizing the issue, I promptly contacted the mortgage company on XXXX XXXX XXXX to rectify the situation. 

During my conversation with the mortgage company representative and supervisor, XXXX, I was given a second confirmation number to confirm that the payment had been received, confirmation number is XXXX and would be processed within 3days.The payments did not actually process for both XXXX and XXXX mortgage payment until the XXXX of XX/XX/2023 in the amount of {$5500.00}. Again, the later processing to these payments were due to the mortgage companies processing time. Despite this, the mortgage company had already reported the payment as late to the credit bureaus, prior to the full 30 days late being fulfilled. On or after the XXXX on XXXX, XXXX  would have been the XXXX day of an actual late payment. Regardless of our payments being ontime, and their processing being late, they marked a 30 day late with bureaus when the late time had not been met. 

According to the terms of my mortgage agreement, payments are not considered late until after the XXXX of each month. I made the payment well before this deadline, and I have the confirmation numbers to substantiate my claim. I believe the reporting of a late payment on my credit reports is inaccurate and unjustified.

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 2017-04-09
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My auto payment per month to the LOANCARE company is {$1800.00} but in XX/XX/XXXX they charge me {$3600.00}. So I call them and they said they wo n't charge me in XX/XX/XXXX but they still charge me in XX/XX/XXXX that make me spend over budget and I have to pay the over drafting fee. But luckily I call my bank and they agree to give me back my over drafting fee because it is the first time. Then I receive an email from LOANCARE company saying that they wo n't charge me for XX/XX/XXXX. 
After reading that email, I left my guard down so I did n't print out that email and now it is no longer in my inbox. They charged me in XX/XX/XXXX that make my account went overbalance again then they gave it the money back but they did n't give me the over drafting fee. So I have to call my bank again and they agree to give the over drafting fee back to me. 
But on the XX/XX/XXXX, they charge me again and now I have to pay the over drafting fee because my bank wo n't give it back to me. So I call the LOANCARE customer again, they said I have to send them an email explaining what happened and they will give me a ticket number then I will wait for their call back for a solution. But they never call me back nor send me a reply email. 
I 'm still waiting for their response but now all I get is a letter saying that I have to pay a returned check fee to their LOANCARE company.

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 2019-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
In XXXX of XXXX, I opened a credit card with Capital One. I never received any documentation in the mail, I paid {$100.00} on time and they charged me a late fee. Today XX/XX/XXXX, I spent roughly 30 minutes getting that " late fee waived '' I was not late on the payment. They are now keeping the {$25.00} for 3-5 days to post into account and it shows up as a missed payment. 

It gets worse : XX/XX/XXXX CASH ADVANCE FEE OtherXXXX XXXX ... XXXX {$10.00} XX/XX/XXXX INTEREST CHARGE : CASH ADVANCES Interest ChargeXXXX XXXX ... XXXX {$0.00} I never used any cash advance or took cash out on the card. I paid a company {$53.00} and they are telling me the {$10.00} is from that. So they are stealing {$10.00} now with interest. 

The supervisor I spoke with XXXX XXXX ( employee id ) refused to provide me with any information on how to file a written complaint. I signed up for this credit card to re-establish my credit. The way they are behaving is extremely predatory. I have a XXXX {$10.00} plus interest is a lot of money to me to just have stolen by a big credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
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:
Bank is fraudulently requesting money from me for a closed account. 
-Bank sent a statement dated XX/XX/2023 that I owe 4 months ( {$9200.00} ) for an account that has been transferred to another mortgage carrier. stating I owe for XXXX, XXXX, XXXX, and XXXX As well as giving false, inaccurate and conflicting information to credit reporting agencies and Me. 
-reporting to credit reporting agencies that The account is still open, even though the account was transferred to another Bank AND responding to previous CFPB confirming this -reporting to CRAs that my monthly mortgage is $ XXXX/month. and sending my statements asking for $ XXXX/month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus purchased our mortgage from XXXX in XX/XX/2013. I 'd like to state, in twenty three years of providing mortgage payments we have never miss a single one nor have we been late, however Seterus automated collection business claims we owe {$1400.00}. ( plus interest ). They started sending us harassing collection letters monthly threatening to default on our mortgage if not paid. ( very troubling ). Their action is deliberately damaging our credit score. I have contact them on several occasions asking them to explain the amount claimed due, I 've made copies of all paid mortgage check from the past three years and fax over to Seterus but, customer service personnel fail to explain the amount they say is owed. I 've ask to speak to their supervisor in regard to the letters and was told by the supervisor its an automated system letter and will stop once the faxes sent in have been validated. But the letters continue, and our credit score continues to suffers, what repercussion do we have?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiries and a fraudulently opened account currently in collections. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX bank - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  account : 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 2017-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent correspondence to you to support this info. 
Based upon information received indicating a high probability of success, I applied for a credit card with XXXX. I was declined based upon information provided by Equifax even though I subscribe to Equifax monitoring service. My monitoring service indicated that my score is " good '' at all XXXX credit services. The score at Equifax was a XXXX ( XXXX score was a XXXX ). When I got my rejection letter from XXXX, it indicated that Equifax reported a XXXX. 
Either Equifax provided bad information to XXXX or to me- which if that is the case - why am I spending {$19.00} a month for inaccurate information- that is fraudulent. 
I am planning on traveling out of the country next month and did not want to incur foreign transaction fees- this error on their part will cause me financial harm. 
Note, I am not at a computer that will allow me to upload information, but will if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 - COLLECTIONS ACCOUNT - SETTLED - XXXX STATES IT SHOULD BE REMOVED - IT'S SHOWING AS ACTIVE. 

XXXX- SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX - PAID/SETTLED -SHOULD BE REMOVED PER XXXX - XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX=SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED.

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 2017-03-03
Company: LD Holdings Group, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Mortgage Masters, and started working with XXXX XXXX around the beginning of XX/XX/XXXX, I have text messages and emails confirming that i sent her my pay stubs, XXXX forms XX/XX/XXXX and XX/XX/XXXX, hud forms from purchase of my house, I sent her all the forms she needed, and had employment and credit score checked by XX/XX/XXXX - on XX/XX/XXXX I signed the disclosures and was told everything was approved, the appraiser came on XX/XX/XXXX and completed the paint scraping ( needed to sign off on appraisal ) on XX/XX/XXXX and closing set for XX/XX/XXXX, the closing was then changed to XX/XX/XXXX, as XXXX XXXX lost my XXXX, pay stubs, and mortgage/bank statements, I faxed these items again, and the closing was then set for! XX/XX/XXXX, I found out that XXXX XXXX XXXX no longer with Mortgage Masters and XXXX XXXX would take over, again they were claiming they need XXXX and other financal documents again - I told them I had faxed all the info repetedly and was not going to fax again, I then shared my concerns for identity theft with all these documents being lost with XXXX and her boss XXXX XXXX , they told me not to worry, that there computers are safe, and they have no worries that XXXX XXXX held on to my personal information. 
so again I was scheduled to close XX/XX/XXXX XXXX XXXX told me all they needed to close was the appraiser signing off that paint had been scraped and cleaned up, the appraiser came out and signed off on the appraisal XX/XX/XXXX. 
every time I speak to the mortgage company they keep saying they are still waiting on employment verification or need pay stubs before they can close. 
so I have been trying to refinance my home for 4 months and I keep getting the run around with lost info, and employment verifications, as I have been on XXXX for a XXXX, the mortgage company keeps bringing up things about my XXXX and making the hold up seem like its related to my XXXX leave, and I dont see what my XXXX has any thing to do with my refinance, if the mortgage company was professional and wasnt loosing my info repeatedly, my mortgage refinance would have been closed and completed, before any of my XXXX started - but the company keeps stringing me along and now its been 4 months that I have been working on refinancing my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: MORTGAGE CLEARING CORPORATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I own a home in XXXX Oklahoma I bought before my marriage in XX/XX/XXXX in XX/XX/XXXX I was beaten by police and wrongfully arrested here when I called on a XXXX  XXXX as the victim and was XXXX and wrongfully arrested the charges of XXXX XXXX and XXXX in front of a minor child and 2 counts of XXXX were all dropped but they still charged me with XXXX XXXX XXXX about a couple weeks later XXXX cane into my home and told me if I didn't leave my own premarital home because I looked like an XXXX  they would take my kids into XXXX custody and I left I have since lost my home and was put in federal housing 8 months I had a pouring leak in my ceiling and couldn't get help with it plus I was invaded by violent individuals so I relinquished my apartment 4 years ago I have been homeless 4 years I am currently on XXXX finally after fighting 11 years in this city to obtain XXXX XXXX I started receiving in XXXX but I can't obtain a residence I have 4 case managers here in XXXX but no body is taking my case serious I still have a mortgage in my name but the deed isn't and I believe I should get relocation help on my mortgage company and financed in anothet home seeing anything u have in Oklahoma before marriage ia still yours after I don't see how because I couldn't obtain income note legal help to get my divorceI lost my home and am homeless I am also XXXX XXXX card holder and haven't gotten my tribe help at all i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The account and inquiries are not belong to me or any transactions made by me.Some one use my personal info and applied. Please remove as soon as you can all fraud info from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX. Please remove this account immediately.

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 2017-04-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a loan with XXXX. I have been 60 days overdue, but making the current payment for several months. I was told by XXXX that I needed to call on the 1st of the month every month to make the payment. When I called this month, I was told the loan had just been sold and to contact the new lender, Shellpoint Mortage. 

I never received any information regarding the sale of my loan prior to XX/XX/2017 the date of my loan sale, and have not received anything to this date, XX/XX/2017. 

I have contacted Shellpoint who does not know who I am. They have told me IF the loan was sold to them, within 60 days I would be notified. 

I am already 60 days overdue. If I wait another 60 days for them to upload the info to their computer, I will be 120 days overdue. No one will take my payment, not XXXX and not Shellpoint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: P&B Capital Group, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Received call on XXXX XXXX XXXX from P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX. 

Threatening to take my property including homes and XXXX / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-13
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
As an XXXX I use XXXX to schedule clients and Square to receive payment. After a client paid with an XXXX that was on hold Square flagged the transaction as a dispute and subsequently used the next incoming transaction to cover the amount disputed. 

I have been using this system for about XXXX and I have never had a dispute. I attempted several times to resolve the dispute, but mobile aps don't give you 100 % access so I still had this dispute unresolved. Apparently the process for resolving disputes can be months and this has situations has cost me {$190.00} in dispute plus the {$190.00} ( which is the service fee for my next client ) for a total of {$380.00}. 

I did not receive any notification via email from Square to help resolve this dispute. I did receive a notification from Square and instruction to resolve that just lead my in a circle of confusion. I thought everything was cleared then I received another payment but instead of transferring it to my bank account they used it towards the first transaction that is on hold. 
As a service provided that makes no sense and is actually a liability that I can not afford. I will not take a loss of {$380.00} though, I expect those funds to be restored to my designated account and this dispute closed. I can be contacted by phone XXXX XXXX XXXX or email XXXX. 

I hope to hear from someone soon, and I'm incredibly disappointed and feel violated. I did nothing wrong but have to extorted out of {$400.00} from a provider I trust with my income transactions. Never again Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called the credit reporting agencies and let them know the inquiries in the document included below should not be there and are not to be reported to my credit. I never gave them written consent to report them. 


This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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