BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-15
Company: Volunteer Mortgage Loan Servicing
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the process of monthly payments I have sent payments on time, but continue to get late fees. Also when I do payments over the phone the workers have been not writing the right documents for to take my payments which cause me to be late. When ask about this issue the company stated that I give the wrong information ( When I specifically give the information back to the worker number of times. Second issue was i have sent money in that make me have money in another account with the company. Ask the company to refund me the money and they stated i couldn't receive it back I have email the director of the company of this issue no one call nor respond back to my complaints. Also I recieve a loss Mitigation approval were documents were wrong that the company stated I suppose to be pay back which was not right, ask the specialist that sent the documents which she know nothing to provide the right information. So I am writing to CFPB to look into this matter also the reviews of this company of Volunteer Mortgage Loan Servicing, which other consumers are going through also.Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was able to get my report from transunion but when I returned minutes later to get the reports from the other XXXX agencies it said it timed out and that I could n't get either one online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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 is missing that should be on the report

Complaint:
I spoke to both companies about this error. Both companies is pointing the finger at the other. At this point I don't care who's not doing their job, I just need my credit file with Equifax to be update correctly to report that I have a mortgage with XXXX XXXX XXXX XXXX. 

Furthermore ; as a result of the missing information from my credit report, my credit score has been impacted negatively and I have been denied for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Application processing delay

Complaint:
I APPLIED FOR A CREDIT CARD ONLINE, ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: INTERFIRST MORTGAGE COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received multiple mailing from this bank, each time I submitted the requested information and then call to verify that everything is ok. They keep emailing me with different excuses and pushing to buy an insurance policy on my behalf which then gets clarified after I call them. 

Couple weeks ago I called them and after over 30 minutes reviewing my information the agent said that I was " good to go and that there was no need to be worried about them buying a policy because all my docs/ proof were fine ''. 

I was charged for an insurance policy still. When I called again ( XX/XX/XXXX ) they said that there was a lapse in coverage from XXXX XXXX XXXX  which doesn't even match their last communication. 

After asking the agent to check the notes from my previous call she said that " there still a period without coverage '' I mentioned that all docs shows that its not the case and when asked her to escalate this to a supervisor she hanged up. 

This is an illegal practice and this bank is taking advantage of the insurance excuse to make money out of consumers. I provided ALL PROOFS of coverage and they still bough a policy. 

PLEASE investigate this illegal practice, demand the FULL REFUND of the illegally purchased policy and have them fined for trying to take advantage from borrowers. 

Misleading Letter and easy to read/ find proof of insurance purchased attached ( page 5 on the second attachment and page 7 on the third )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rushcard went through a system update on the XXXX of XXXX and I have not had access to funds since then, and this includes a direct deposit that was supposed to have hit on the XXXX. I checked my balance after they said the deposits were late due to the system update and it showed on XXXX XXXX, but by the time I got to an atm ( about XXXX minutes later ) the funds were gone and the balance was {$0.00}. I called Rushcard and they claim they do not show a deposit and to contact payroll at my job to see if the funds were returned. My job assured me no money was returned and that Rushcard has my deposit. I have not been able to get in contact with Rushcard as the customer service number now hangs up on you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted XXXX XXXX XXXX in regards to her meaningless email to me XX/XX/XXXX @ XXXXXXXX XXXX  kept me on hold after argued this debt is not mine refer to divorce degree see attached letter she as well stated no one signed for letter in regards to putting them on notice POINTLESS CONVERSATION see tracking receipt XXXX XXXX in the past demonstrates CFPB is a joke and all they have to do is respond to close out case I aggree but only exhausting my avenues for civil action emotional as well damaging my credit CFPB needs to publish each response as well regulate companies trying to collect another state other then Nevada

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 2015-10-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX XXXX, I wrote to Equifax disputing my current mortgage on my credit file ( XXXX or XXXX ) is currently reporting my first delinquency date being XXXX XXXX. I had supplied documentation ( enclosed XXXX to them outlining that the previous servicer XXXX XXXX XXXX XXXX XXXX was reporting on my credit file that my first delinquency date was XXXX XXXX. 
On XXXX XXXX XXXX, Equifax written a response ( enclosed XXXX that XXXX is no longer reporting because of the date of the first delinquency XXXX XXXX XXXX ) being reported on my original credit report dated XXXX XXXX, XXXX XXXX enclosed ) is beyond the 7 year statue of limitations. 
Equifax also responded on XXXX XXXX, XXXX that XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does belong to me. I never had mentioned in my previous dispute ( enclosed ) that the account was not mine. I specifically disputed that my original servicer ( XXXX XXXX XXXX XXXX was no longer reporting on my credit file and XXXX should also not be reporting as well and nothing else. 
I also have provided a previous credit report dated XXXX XXXX, XXXX before the loan was transferred over to XXXX on XXXX XXXX, that the date of first delinquency did not change and it was always shown as XXXX XXXX XXXX see bottom of page XXXX going into page XXXX of the XXXX page document and the highlighted page is included ). 

Please also keep in mind that the other XXXX repositories XXXX XXXX XXXX are no longer reporting this trade-line. 
The desired resolution I want to have occur is that the account XXXX be removed from my credit file because the date of first delinquency was over seven years ago and is now obsolete and be removed just like the previous servicer XXXX XXXX XXXX had done in which Equifax had admitted in its XXXX XXXX response to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is getting ridiculous. Experian sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to XXXX Experian. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by Experian to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. Experian has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I emailed clientcare@cardinalfinancial.com the first time on XX/XX/XXXX at XXXX XXXX explaining the situation being that my property taxes were paid at closing but they had not been paid to the county yet and I paid the first half taxes to the county myself in error because I forgot they were in escrow. I explained that the second half is due at the end of this month XX/XX/XXXX and that I need the {$760.00} which is held in escrow for the first half tax refunded to me. 

XXXX XXXX XXXX XXXX XXXX and Virginia XXXX XXXX of Servicing | Operations both emailed me and confirmed the error and submitted payment to the county for the second half tax but neglected to address my multiple requests for a refund for the amount of tax that I paid and never provided telephonic contact info that I requested or called me as requested at the telephone number I provided. thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EXPERIAN fails to remove inaccurate revolving account information. EXPERIAN reports incorrectly that credit usage is XXXX % .. EXPERIAN reports incorrectly that Total Credit is {$2300.00} and Credit Debt is {$27000.00} EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2021-01-08
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I sent {$300.00} on Zelle for a pair of shoes but since then I have received no word from the seller and no shoes, leading me to think I was scammed. I reported the scam to Zelle with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$14000.00}

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 2016-05-08
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked National Credit System to validate a collection they are reporting on my credit reports on XX/XX/XXXX, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have acquired a cash call loan for {$5000.00} a few years back. I am unable to pay and I am reading that some of their loans may be subject to usury violations. I am looking for input to see if they are a valid lender due to their high interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Lendmark Financial Services
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:
THIS IS NOT A DUPLICATE- I received a response from Lendmark Financial regarding the loan # XXXX, however the information that was provided by XXXX XXXX , Chief Administrator Officer was incorrect. Originally, I requested a goodwill courtesy update for the past due reporting on my credit report. I was able to review my credit report and was able to find multiple inaccuracies. According to XXXX, Lendmark is reporting that this account was closed on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  there is no closure date. Lendmark is reporting to XXXX and XXXX  that the account opened on XX/XX/XXXX but with XXXX, it is reporting that the account opened on XX/XX/XXXX. 

Lendmark is reporting with XXXX that my account has 3 ( 30 Day ) late payments and 1 ( 60 Day ) late payment. However with XXXX and XXXX, Lendmark reports that I have 2 ( 30 Day ) late payments and 1 ( 60 day ). 

I have previously requested to remove past due reporting from my credit report as a courtesy because this inaccurate information is damaging my credit. However, the Chief Administration Officer stated that information reported was accurate which is considered to be misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This Item showing on my credit report on XXXX such as : LockHart, Morris & Mont XXXX # : XXXX oringinal creditor : XXXX  account type : collection date opened : XX/XX/XXXX oringinal balance {$1500.00} terms : XXXX XXXX payment history delinquent on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Moreover, this account was deleted previously do to class action lawsuit reasons then it was later reinserted under a different balance amount? 
I therefore demand proper documentation of the litigation results to validate or verify this item?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got this message from Discover. 


As a result of a recent review of the Discover it account referenced above, we will be closing your account as of the date of this letter or shortly thereafter. 

Keep in mind, any purchases or transactions made will still be posted to the account. However, the decision to close your account is final. 

This action will be taken for the following reason ( s ) : Inactivity on your account ( s ) % of balances to credit limits is too high on revolving accounts Length of time revolving accounts have been established I have revolving accounts that are more that is XXXX XXXX XXXX, using XXXX of XXXX of available credit on all accounts. Yes there was no activity but they never allowed me a change to increase the account activity. This now has a negative impact on my credit score since an account with history has been closed. How is this acceptable with the consumer not being given a change to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: CT
Product: Prepaid card
Sub-product: Payroll card
Issue: Adding money

Complaint:
I have a rushcard visa and it took two-three business days to get my direct deposit. I called the customer service and did not get any help. In the process, I was unable to pay my bills and other obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Scottrade allowed XXXX XXXX customers to have their personal information exposed in a database breach because Scottrade ignored warnings of cybersecurity incompetence and failed to encrypt any data. 

I personally submitted to Scottrade and the SEC instructions and detailed information about how their security procedures were inadequate. Specifically, the insecure databases and unencrypted authentication information. 

I would now like to report failures of Scottrade in regards to money controls, money transfers, and XXXX deficiencies. Specifically, if you review the attached, Scottrade has no effective policies to prevent money laundering or flag highly suspicious transactions, thus it is very easy to use Scottrade to launder and transfer enormous amounts of illicit money. 

I kindly request the CFPB and Scottrade review the attached. It would be unfortunate for Scottrade to once again ignore tips of failed security techniques and once again leave customers vulnerable.

Company response to consumer: Closed