BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: MD
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:
On or around XX/XX/2022 I filed disputes for public records and another account with documents showing inaccuracies in the information and theyre not doing a proper investigation of the accounts I will attach the documents I sent over showing this information. 

According to the law XXXX5 U.S. Code $ 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation. 

According to the fair credit reporting act 12 USC 1681. I have the right to privacy. 
Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: STOCKTON MORTGAGE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 a withdrawal of {$2000.00} was deducted from my account for XXXX payments on my loan. On XX/XX/XXXX, the mortgage company reversed the payment and never re applied to XXXX payment. Now I'm getting notice of breach, and my XXXX statement shows the reversal they did and they are asking me to pay XXXX again with XXXX statement. Also I refinance for 25 years ( 300 payments ) and on my online loan amortization I'm showing 301 payments for my loan amortization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I over-pay my mortgage every month by 50-100 dollars. The payments are made automatically, electronically and for the last 5+ years I did not even receive invoices from PHH Mortgage. 

Last XX/XX/XXXX an increase in property tax created a one time increase in my payment. I did not receive a notice until ~8 month later when I got a late payment notice for XXXX dollars. I called PHH and they informed me that because of the increase in XX/XX/XXXX I had been charged a ~115 late fee each month for the last few months. I escalated the issue several times and was told I would be contacted by an adjuster. I also asked to start receiving paper invoices. 

A few weeks later I received a letter saying that if I payed XXXX, the matter would be closed. I send in the exact amount. 

XX/XX/XXXX I received my invoice and found that my monthly payment was XXXX, over my usual XXXX, looking closer, I was being charged a late fee of {$110.00} again! 

I called PHH and they informed me that even though my payment of XXXX was received and that they negotiated it, I did not include the pay stub with the payment ... so they didn't realize the XXXX was going towards the XXXX in late fees, so the applied the XXXX toward to XXXX, which caused me to have an outstanding balance and additional late fees - that they refused to reverse. 

I informed PHH that I would like direct withdrawl of funds because I thought they were intentionally making it easy to get charge fees. They told me I needed to send in a void check and wait 2 weeks or I could go and signup online. I tried to log into my account, couldn't, called them back ... they informed me that they delete all online accounts after 1 year of inactivity. Again, harder to get information and pay ... So I had to re-register and finally get signed up for automatic payment. 

In sum, I had to pay over XXXX in late fees and I don't even know what I lost in interest or principle in how they dealt with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items ASAP. Thank you. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was sent a check XXXX via fed-ex. 
The check turned out to be fraudulent. I simply deposited it. 
I DID not attempt to use any funds. 
I apologized for it. The bank ( M & T Bank ) where I HAD been a customer for 21 years, asked me then to close all of my accounts, citing that after 21 years I was a high risk for simply depositing a fraudulent check. 
a ). I apologized b ). I explained how I came to get the check - the people that sent me the check were arrested in XXXX. 
c ). I made NO attempt to use the funds. 

Yet, I am the victim and now I continue to be the victim.

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 2021-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have noticed a late fee on my Capital One credit card account and I have contacted Capital One to waive the fee due to Covid-19 and being unemployed. I called on XX/XX/2021 for a late fee applied on the payment due of XX/XX/XXXX, XXXX have spoken to several Customer Services including the Supervisor and they were very unhelpful.. I am currently unemployed due to Covid-19 and the benefits have been delayed therefore, I was not able to pay on time the credit card. 
All the Customer Services including their Supervisors are ignoring the pandemic situation which created difficult times especially for the unemployed people. I felt like it's my fault that I am unemployed ... There're no sympathy on their side ... It is totally a poor customer service..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The WAYFAIR site offers the Comenity Bank Wayfair Card and an invitation to apply. The invitation clearly states that it will not affect the credit score negatively and that a preapproval would then advance to the actual card application. I filled out the preapproval form and WAS APPROVED for the Comenity Bank Wayfair Card. I was then notified on the pop up screen that further information was needed. My credit was indeed affected with a HARD INQUIRY by Comenity Bank.

I attempted to resolve the issue with Wayfair because they have the credit card application and invitation on their site. Wayfair blamed Comenity Bank and could not assist. Comenity Bank blamed Wayfair but it was Comenity Bank that did the hard inquiry without authorization or at the least deceptive invitation after the  preapproval which is deceptive and then advances to the credit card application that does affect the credit rating. I have repeatedly asked Comenity Bank to remove the hard inquiry. I no longer want the credit card but do need the hard inquiry removed that was not authorized and was deceptively done after the preapproval assurance that there would be no affect on the credit rating. Wayfair allows the invitation for the card on their website which can only be used for Wayfair purchases and Comenity Bank is therefor advancing credit card applications on the site so both are responsible for the deceptive invitation that assures there will be no hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, I checked my credit report. I am considering applying for a HELOC, and one company denied my application because of an Equifax report. I have repeatedly tried to correct the report online and tried to speak with a representative, who did not help me. Equifax reports that my account is blocked for promotional purposes. They will not even tell me what this means and will not remove the block.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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 XXXX XXXX who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on the accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have been attempting to work with Dovenmuehle regarding the arbitrary increase to my escrow payment. My property taxes are roughly {$11000.00} a year and Dovenmuehle is attempting to raise my mortgage payment by nearly {$600.00} ( {$3300.00} total with {$2000.00} to an escrow account ) to cover a shortage that is expected in XXXX, XXXXI have asked repeatedly to simply make the shortage payment as opposed to paying an extra {$600.00} per month, but they refuse to honor this option. Dovenmuehle Is attempting to take roughly {$24000.00} a year to cover a tax bill of roughly {$11000.00}, PMI of {$3500.00} and home owners of {$2000.00}, which results in Dovenmuehle maintains a {$7500.00} surplus in the escrow account. The reviews of this firm are absolutely horrendous and I never consented to XXXX XXXX Bank spinning my loan off to Dovenmuehle. I am trying to XXXX options before my new payment is due on XX/XX/2022. I have never missed any debt payment and fear this will bring unnecessary financial hardship. Thank you for support.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan Care was servicing my mortgage for The XXXX XXXX who I have my mortgage with. Apparently, they severed their relationship and a notification was sent out that the address had changed to where I was to send my mortgage payment. I did not receive the correspondence and have continued to pay my mortgage electronically through my bank. This month XXXX XXXX 2015 ) I received a collection call from The XXXX XXXX for XXXX 's payment. I paid my mortgage payment on XXXX XXXX, 2015, and because of these XXXX companies terminating their relationship my check was cashed by Loan Care and they will not release my funds until I provide them proof of payment from my bank. How can an organization XXXX Loan Care XXXX cash a check that they knowingly shouldnt? Shouldnt they reject the payment? Now, I must take my time to fix these XXXX companies issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This has been going on since XX/XX/XXXX, when we received a statement that our escrow account would be short almost {$2500.00}. After doing some research we found that our hazard insurance premium jumped from {$700.00} a year to {$2500.00} a year. So we contacted the mortgage company to let them know that we would be cancelling the original insurance company with XXXX and selecting a new one ( all done on the same day actually ). They said fine the insurance company would send a credit to escrow account for the prorated portion back. They sent us the check directly we called loan company and they said to make two separate payments. One for our Monthly Mortgage and one for the escrow account ( {$1800.00} ). We sent that to them on XXXX/XXXX/XXXX for the {$1800.00} to go into escrow to cover the new insurance policy plus a {$400.00} " fluff '' they told us to include to keep our escrow from falling short. Since they received the escrow money back from us they have misapplied it so many times they now can not account for where of it is currently ( as of XXXX/XXXX/XXXX ). They paid our property taxes a month late this year and paid our hazard insurance a month late this year that is all they paid out of the {$1800.00}. They also miss applied our mortgage payment that month which reported to the credit bureau as late. We were told that it 's not their fault the escrow account is short and that they correct all the miss applied money, when we questioned the remaining balance that should be there she said she could n't account for it. She then told him that they did n't account for the new hazard insurance so they {$900.00} shortage is their fault but we have to pay yet again. HOWEVER on XXXX/XXXX/XXXX they sent us the statement for the escrow WITH the new insurance amount on it. She tried to tell us that we can split the now {$900.00} escrow shortfall over 36-48 months, we denied. Now our payment went up. Our statements make no sense. We have put {$4500.00} into escrow and can not account for where the money has gone. My PMI payment keeps changing and they keep applying additional principal payments on top of our regular payment. So many reverseals ad disbursements it 's so 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 explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2021, I requested a credit line increase of {$3000.00} online for my XXXX XXXX XXXX XXXX XXXX  at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, XXXX XXXX informed a hard credit inquiry without my consent or knowledge at the time or the credit line increase request. This is illegal. No way to provide my consent to a hard credit inquiry ( I.e. no button, signature, or check box was made available to provide consent ). Furthermore, the website provided no notice that a hard credit inquiry would be performed : no terms & conditions or verbiage were present before proceeding with the credit line increase to specify that a hard credit inquiry would be performed. 

XXXX XXXX 's hard credit inquiry now shows under " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX on my credit report and is impacting my credit score. 

I contacted XXXX XXXX today at XXXX to try to resolve the hard credit inquiry issue and inform them that it was performed without my consent or knowledge. However, they denied that the website did not ask for my consent. 

Note : Please see the attached screenshots proving that I was not notified about the hard credit inquiry before requesting a credit line increase. I also have a copy of my credit report to showing the hard credit inquiry.

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 2023-08-15
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
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: Was not notified of investigation status or results

Complaint:
I sent disputes to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-04-20
Company: Experian Information Solutions Inc.
State: GA
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 CONTACTED XXXX XXXX AND EXPERIAN about them having my updated balances incorrectly reported on my XXXX account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX account. And XXXX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XX/XX/XXXX of every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation