BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX, my insurance co wrote me a check for damages to my house. This check had to be sent to my mortgage co loss claim dept. The loss claim dept is now in control of my funds that I need to pay for repairs to my home. 

On XX/XX/XXXX, I submitted online all the information and requirements they requested. They never responded to me, I had to call and email them back to verify my information had been received. Finally on XX/XX/XXXX, I was in contact with a representative and begged them to process the first funds disbursement. They mailed a check of {$40000.00}. 

Since I have received the first check, they still hold {$18000.00} of my money. I have followed all instructions and completed all forms they have requested. However, they are now going backwards, stalling, avoiding contact with me and are refusing to send me the remaining {$18000.00}. 

I have been placed on hold for over one and a half hours. I have been hung up on several times, and they continue to ask for the same information they already have. Their employees in the Loss Claim Dept seem to know very little if anything about mortgages, finances or general business. To put it bluntly, they are extremely inept! 

We currently are in midXXXX XXXX, two months after this process began. I have had a new roof replaced. I have had all the eaves and fascia repaired. I have the interior repairs done on the ceiling and moldings. But yet, they will not send out an inspector to view this work, so that the remaining funds can be sent to me. In fact, they cancelled an inspection for some unknown reason, and did not tell me about the cancellation or even describe the rationale. 

Currently today, they are sending emails requesting my case # and saying they can not find my file ( their company established the case # in the first place and gave it to me in XX/XX/XXXX, but now they can not find the file? ). They have told me they finally ordered an inspection, and their inspector will contact me within 5 business days. It has been 10 business days, and no one has contacted me. The only communication from them was asking to clarify the case # they claim they can not find. 

I am at my wit 's end. I am using the money my insurance co paid me to repair my house. I need to pay for the repairs ; however the mortgage bank seems like they do not want to pay me ( my own ) money and continue to place roadblocks to slow the process down. 

All I am asking for is help in getting my remaining money so I can pay for the repairs on my home. And, with your help, insure this mortgage bank does not do this to any other people in the future.

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 2020-04-29
Company: Security Credit Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a complaint with XXXX  and it has been over 30 days and I am requesting inaccurate information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Coastal Finance Company, 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: Account status incorrect

Complaint:
Coastal XXXX I turn the car in so it was not a repo .the sold the car and I got. Check for for what they got over the loan.

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 2019-07-31
Company: SYNCHRONY FINANCIAL
State: AR
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:
Hi, My Name is XXXX XXXX. 

I took a master credit card ending with # XXXX issued by Synchrony Bank in XXXX/XXXX XXXX 
I did a spend of approx {$80.00}. I had taken the card at one of the sams club. 

the person who issued me the card took my email address and residential address all wrong. as a result i never got my credit card statement and i was not aware of the due payment. bank reported it to credit agency. 

one day in XXXX/XXXX, XXXX bank called me notifying of missed payment and then I came to know about this pending payment. I got the email address and residential address corrected in their system and i also made the due payment. 

i told bank the reason of missed payment that I never got the statement in email or my address, bank also realized the miss at their end that the contact details were wrong. so they asked the credit agency to take the missed payment off my record. this request bank sent to credit agency in XXXX, XXXX. 

i was told within 60 days the missed payment would be taken off my record. it is more than 90 days and i am not getting any satisfying response from bank on this issue. 

they are not responding correctly and are wasting my time. 
due to this issue my credit score dropped more than XXXX points and i am facing issue getting good mortgage rate and my plan to purchase a home is getting delayed. 

i seek compensation from bank and immediate resolution on this issue please. 

appreciate all help. 

regards, 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 2018-01-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit Card was open by Fraud back in 2017. I have sent 3 request to all 3 Bureaus, Experian, XXXX and XXXX to have this deleted from my credit reports, Per Bureaus waiting on response from XXXX XXXX XXXX and will initiate removal. Please delete record on my credit report, this is affecting my ability to close on my house this month due to this incorrect and erroneous reporting for a card opened by Fraud.

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 2019-07-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX and XXXX XXXX easily locked my credit. Experian is refusing to do so unless I prove my identity? If they can track me then they must know who I am.

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 2018-01-03
Company: D. SCOTT CARRUTHERS
State: CA
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:
Unknown account appeared on my XXXX credit report XXXX of XXXX under the name of XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX - ( XXXX ) XXXX, claiming a balance is due of {$870.00}. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed 6-7 times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. XXXX XXXX XXXX is the same company as LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA XXXX. My elderly father received a phone call informing him that someone would be coming to his home address to serve him papers and that he needed to be present to sign. The caller informed him that an amount of {$3400.00} is due and that the amount would increase upon court fees. I received a letter that stated they wanted my report with an emphasis on employment status and lawsuit worthiness from LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA XXXX. I have never received validation and have filed complaints on LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA and have never heard back. Now they are reporting incorrect information to XXXX to damage my credit report. Violation under the Fair Credit Reporting Act ( FCRA )

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 2019-11-04
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: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX I submitted a dispute letter to TransUnion challenging several account that is clearly in violation of FCRA rules and reporting multiple inaccuracies. On XX/XX/XXXX I receive an updated copy of my credit report. The updated copy referred to the disputed accounts as verified and updated ( Please see attachments ) As appears on my credit profile. 

XXXX XXXX XXXX is reporting a reaged account. XX/XX/XXXX This is a clear violation XXXX XXXX XXXX is reporting a past due balance of {$980.00} but original creditor reports a past due balance or credit limit of {$450.00}. 
This is a violation. 

XXXX XXXX XXXX reports that this account was verified and updated on XX/XX/XXXX. However, Transunion still reports multiple inaccuracies. This a violation XXXX XXXX XXXX currently reports as verified while account also reports 120days late payment/ 90days late payments/60 days late payments/30 days late payments. 

XXXX XXXX XXXX currently reports last updated on XX/XX/XXXX even though account was disputed last month XX/XX/XXXX. This is a violation XXXX XXXX XXXX TransUnion XXXX last date of payment on XX/XX/XXXX. This is inaccurate reporting. Last date of payment sent to the original creditor was in XXXX of XXXX. 

XXXX XXXX XXXX  XXXX currently reports a past due balance of {$3500.00} on a collection account ; this a violation. 

XXXX XXXX XXXX XXXX currently reports as updated and verified on XX/XX/XXXX even though I've specifically challenged and disputed account reporting a payment history on a collection account. This is a violation XXXX XXXX XXXX currently reports late payments on a collection account ; 120days late payments/90days late/60days late. This is a violation XXXX XXXX XXXX currently reports that last payment received was on XX/XX/XXXX, however last payment sent to the original creditor was on XX/XX/XXXX. This is inaccurate reporting XXXX is reporting a unknown account without methods of verification. This is a violation XXXX XXXX is reporting a unknown account without methods of verification. This is a violation.

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 2017-09-13
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
CFPB, this is not a duplicate complaint. Per the CFPB Ombudsman Office, if the company fails to answer our questions or raises additional questions, we are entitled to submit additional complaints against the company! This complaint is for First American Title to respond too and answer all of our questions below! If First American Title responds to this complaint accurately and truthfully, we will cease and desist all complaints against your company. Failure to comply will result in additional complaints filed against First American Title!
Now, as the CFPB and First American Title knows, First American failed to answer our previous questions in CFPB complaint # XXXX which was submitted on XXXX XXXX XXXX. First American provided a written response to the CFPB dated XXXX XXXX XXXX which First American did not answer our questions. As you can see from our previous complaint against First American, First American failed to tell the truth to a federal agency that is going to conduct an investigation! As I stated in previous CFPB complaints, If First American did not violate our rights or our laws, then why are they failing to answer all of our questions? Now ; First American stated in a previous complaint ; " that the lenders instructi
on on page 3 stated ; " please send the Deed of Trust and the title policy to the address below ''.
NOTE : on page 3 of this document states a copy of the hazard insurance policy and the title commitment is to be sent to the lender in the closing package ''. There is no mention on this document what First American stated! Can First American provide this document, page 3, circle this area where it states ; " please send the Deed of Trust and the Title policy to the address below ''? Is n't it a fact that First American Title policy is to maintain accurate records even in your electronic data base at all times?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Arco Collection Services LLC
State: TN
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 writing this due to non-compliance with the ( Arco Collection Service LLC ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
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 account is paid on time. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments 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 explanation
Consumer complaint received 2019-07-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several items were stolen from my home which includes my XXXX, my cellphone, tv XXXX   tablet, debit card. I reached out to chase bank and visited the branch due to these charges that were not authorized by me due to the card not being in my possession. Chase refunded my money and then later denied my claim stating that I did not have a valid proof that my card was stolen. Im unsure of this because If I call and say my things were stolen anything that was done with my card whether In person or online banking can not validate that my card was still in my possession. I have XXXX funds I have kids and bill that has to be payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Kohl 's allowed for a credit card/charge account to be opened in my name and under my social security number. When I contacted Kohl 's they refused to help me and told me that I should pay the bill. I told them that not only did I not open the account that the charges that they were trying to get me to pay were fraudulent. I did not open this account, I did not authorize this account to be opened in my name. This is a fraudulent matter and Kohl 's has started sending me threatening letters, and calling my phone constantly trying to get me to pay for a balance that was charged on the account that they allowed to be opened fraudulently and each time I try to relay this information to them they refuse to assist me. They are now violating my rights by reporting this fraudulent account against my credit bureaus, and they are trying to collect money from me by using abusive tactics for a debt they have been told was fraudulent. The following account was opened in my name fraudulently : Account XXXX This is fraud and should have never been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Ditech Financial LLC
State: FL
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:
Why did credit score go down 14 points please do correct reporting agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I submitted an online dispute to Experian because a collection popped on my credit report from XXXX, a collection agency due to inaccurate information and medicredit failed to submit to me a validation of the debt. Within 8 days Experian results came back as the account will remain. So I called Experian and spoke with a special solutions rep by the name of XXXX and he stated that they electronically processed the dispute and XXXX responded by saying it was valid. I asked XXXX did they send them any documentation and XXXX stated that they do n't have to have documentation the creditor just reply either the debt is valid or not. I told XXXX that was not correct they have to send validation of the debt because that 's pretty much saying anyone can lie and say the debt is valid. XXXX said NO they reporting the account correctly. SO XXXX XXXX, I sent Experian a certified letter asking for a METHOD OF VERIFICATION that they used to validate my debt along with my Id and social security card because I have a right to request how the debt was validated with Experian ON XXXX XXXX I received a notification stating my results were ready, the account still remains on my credit report. Experian did not send me anything if my credit file to show proof of their investigation or what records they have in my file containing this debt. FCRA 611 ( a ) states I have a right to contact the credit agencies with the proper identification and request a reinvestigation to determine if the disputed information is accurate. Experian did not do that, I requested a description of the procedure used to determine the accuracy and completeness of the information and did not receive what I requested. Experian is violation of my fair credit reporting rights and something need to be done and addressed about it. XXXX and XXXX deleted the account due to the company failure to provide accurate information but Experian did not. So are they saying they are the only ones who received accurate information from XXXX? And if so where is the accurate information and why did n't they send it to me.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: AL
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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