BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
NationStar foreclosed on the XXXX 's property located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. NationStar vastly inflated the amount that was allegedly owed to deprived the XXXX 's of the surplus funds that should have been available after the foreclosure. NationStar then failed to respond to a Qualified Written Request that was sent to them to validate the debt and establish the true delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a mortgage statement from XXXX XXXX d/b/a PHH showing a fee of {$550.00} was due. In XX/XX/XXXX I paid {$650.00} for attorney fees ; I was told by PHH Rep the payment went into a suspense account. Each mortgage statement requested a payment of the fee of {$550.00}. In XX/XX/XXXX, I paid the fee again, this time writing on my check specifically the payment intent to pay attorney fees. The check was cashed. In XX/XX/XXXX, my statement still showed a line item that I owed {$550.00} ( fees ) and requested that I was due to pay {$1800.00} ; although it included my current mortgage amount of {$1200.00}. In XX/XX/XXXX, I contacted PHH and was told the fee was credited to the suspense account and a reversal was being sought to apply the payment accurately. The resolve will correct the mortgage statement. This went on for an additional 5 months ; statements from the mortgage company requesting I pay {$1800.00} including a {$550.00} fee and my current mortgage amount of {$1200.00} although I was told the issue had been corrected. Also in XX/XX/XXXX, I received a letter from XXXX XXXX/PHH stating as of XX/XX/XXXX the funds ( {$550.00} ) were applied to the fees, and the mortgage statement would be corrected beginning XX/XX/XXXX. 
In XX/XX/XXXX, I contacted PHH 's escalation department without resolve. The mortgage statement still representing a payment of {$550.00} was due to XXXX XXXX/PHH. 

To date, each month I receive a mortgage statement requesting an additional {$550.00} for fees that I have paid twice already. The mortgage statement each month is inaccurate and I have exhausted any possible remedy within PHH. Hence, my complaint..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: NEW YORK COMMUNITY BANCORP INC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank has taken nearly every payment that was sent and misapplied the funds. 

With every payment, we have sent an overage that we have directed to be applied to principal. However, Flagstar has routinely applied these funds to future payments, guaranteeing itself additional interest beyond our goal of principal paydown. We have been given various excuses and workarounds, even as the company has noted that it has fixed the issue each month. 

Most often, we have been told to send the check after the due date, as a check arriving even one day before the due date is not treated as applying to that due date. While we haven't heeded this advice and have sent every check to arrive on or slightly before the due date, I do note that the XXXX payment yielded a late fee ( later reversed ) because Flagstar inappropriately assigned the principal overage to the month of XXXX from the check sent for the XXXX payment, resulting in no payment recognized for the month of XXXX despite the check arriving slightly before the due date. For this most recent payment in XXXX, our check arrived on XX/XX/2023, and the overage was still applied to the month of XXXX instead of principal paydown. 

After more than a year of Flagstar 's repeated misapplication of funds, I no longer believe that this is accidental. I must call for a correction every single month ; these calls will be noted in Flagstar 's records. Because these errors, if left uncorrected, benefit Flagstar in the form of additional interest, I must raise the concern that this activity is not negligent but rather fraudulent. 

No other mortgage servicer we have had has had this issue. As a result of this issue, I have had to spend many hours on the phone with Flagstar. These calls have resulted in promises of ongoing resolution, but the issue is ongoing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: CMG MORTGAGE, INC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an extraction of the letter I sent to the cmg financial after hours on the phone and no resolution. 

My payment of {$1000.00} made in XXXX of 2021 has not been applied to my mortgage account. I have spent hours on the phone with your associate who have not found the payment nor applied the funds to my account. I have provided bank statements showing proof of the payment. Additionally I have canceled the payment through my bank. My bank initially credited the payment, then your company claimed it was a legit payment and refused to refund the payment. Your accounting office has been worthless and unable to aid in this process. 
I am attaching proof of the payment. You will notice that the account number is different than I currently have. This is because my mortgage was sold to your company and that was the account number I was given by your companies representative. I will provide proof of that call from my call logs prior to court proceedings. I suspect this is why the payment was not originally applied to my account. However after over 5 hours of phone calls and emails with account representatives and supervisors with your company I would expect the problem should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: ERC
State: PA
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:
On XX/XX/2020, ERC XXXX  added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, ERC XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.

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 2021-10-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I immediately reported debit card fraud when identified. I advised Wells Fargo I was a victim of identity theft. The transactions with the card can be traced to benefit 3rd parties which I am not associated with. I received no benefit from the transactions. Wells fargo was made aware of data breach which allow for hackers to access documents, data, and to hijack text messages via programs like XXXX your phone and still erroneously classified every disputed transaction as valid. A law enforcement report was provided to Wells Fargo, which is an affidavit of claim. I am attempting to resolve this issue through regulators to avoid expensive litigation.

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 2022-10-17
Company: EQUIFAX, INC.
State: AZ
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 am submitting this CFPB complaint in regard to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that Credit Reporting Agency are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously requested the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct the following accounts : XXXX XXXX XXXX Balance Owed : {$220000.00} ; XXXX XXXX Balance Owed : {$960.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: AZ
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 challenged my credit report far years with No results they are not doing anything to get information deleted under fair credit act it's a federal Law I am a XXXX veteran their not moving information off my credit report every time I challenge something on my credit report account information is current when it's not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
CREDIT COLLECTION SERVICE***** ( Original Creditor Name XXXX  ) Opened XXXX XXXX, 2021 Balance {$610.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Chase bank who deals with XXXX XXXX denied me of credit, this is the third time I want to go after JP Morgan Chase Bank for denial of credit, again They discriminate against my credit score, maybe if it was them they feel the same way, If I am going to buy a car put money down, or no money down, I can pay the payments, their practices need to change, and stop discriminating against people like me, change the banking system, and stop denying credit and make people like me look stupid, I want to take action against their denial system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
according too 15 U.S codes 1635 ( b ) Return of money or property following rescission. ( downpayment ) {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: VA
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 prepaid a lease over seven years ago but the company is still reporting the prepaid information. 
A company is only supposed to report information for 7 years. This company is still reporting this information after 7 years which is a crime according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: AL
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 have been trying since XX/XX/2021 to dispute a XXXX bank account on my credit profile. after a breif removal it was placed back again on my credit profile with a different balance. original balance when i first disputed was about $ XXXX. now its over {$13000.00}. 

i have been trying to reach XXXX bank fraud department unsuccessfully. Even with my latest dispute with XXXX I asked to have the merchant contact me at a number i provided. they have never tried yet kept allowing the card to make purchases knowing that I have disputed it almost a year ago. 

i was finally able to locate a phone number for the XXXX bank fraud dept. I called their card members and asked for that number and was given ( XXXX ). after holding for good 20 minutes i spoke with some very rude lady who was literally yelling at me and she said my claim needs to be handled by the card member services.. whene i told her i was transfered to her from their she ignored and sent me back to the que with about 30 minutes hold. 

i have never had an account with this company and they have not follow procedure when opening an account ( fraud alert on my profile ) and ignore all my disputes of the account being fraudulent and let it continue to add charges.. making my credit profile look very bad. 

i demand they remove this identity theft account pursuant to the Fair Credit Reporting Act Section 605B

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Account Number : XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022

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 2022-01-24
Company: EQUIFAX, INC.
State: VA
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 have tried to correct my disputes with XXXX, XXXX, and equifax. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ivnv funding LLC for the amount XXXX I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Experian Information Solutions Inc.
State: CA
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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX  XXXX  -- -> XXXX  XXXX XXXX  XXXX XX/XX/2015 {$130.00}

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 explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive been really lucky. They have tried to get credit cards under my name. Unfortunately they have not been able to. The reason why is because my credit score dropped so low I have lots of hard inquiries on my credit report and I like those removed All the credit cards they have applies for have been 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 2021-04-21
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a store credit card provided by Synchrony Financial for their " Luxury '' accounts. I opened this account in XXXX of XXXX to finance a piece of jewelery. I was told at that time there would be an 18-month interest free promotional period. The initial purchase price was {$10000.00}. In XXXX of XXXX I received my statement showing that the promotional period had ended and the interest ( approx : {$3500.00} ) added back to my balance. I called Synchrony and they explained that I was only given a 12-month promotional period and that I needed to call the merchant to discuss what happened. I then called the merchant and they explained that somehow it got messed up in processing and they were happy to fix it. The merchant and Synchrony communicated ( Approx. XX/XX/XXXX ) and the merchant provided the correct documentation to Synchrony stating that the promotional period should have been 18 months. After that, I spoke to an associate with Synchrony who confirmed that the documents were received and they would begin correcting the account. They informed me that this update would take up to ( 2 ) billing cycles to correct. After my second billing cycle ( XXXX Statement ) with no update, I then called back into Synchrony to ask what is going on. This call took place at the beginning of XXXX ( I dont have the exact date because I was at a training for the military ) and I was explained to then that it actually could take up to 60 days rather than two billing cycles. I was told that they called the " account management or merchant services '' team with Synchrony and they had received it and were currently processing it. On XX/XX/XXXX I called back into Synchrony because I have not received any further communication and nothing has been updated on my account. After speaking to the associate, they told me that nothing has been received and that a promotional period can not be extended after it has ended. Then I was told that there has been no record of this request. I now have an additional {$4500.00} of interest on the account and no one at Synchrony seems to want to help correct this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AMERICOLLECT INC. at XXXX XXXX  XXXX XXXX, XXXX has been sending me collection notices in the amount of {$2000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation