BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-11
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After my FHA Loan was transferred from XXXX XXXX company to Loancare XXXX, none of my mortgage information was transferred over correctly. Loancare reported me 60days late to the credit bureaus and tried to foreclose on my home after speaking with XXXX XXXX in the collections department and providing her with proof of payment to XXXX XX/XX/XXXX and XX/XX/XXXX, which was within the 60 day legal period of the loan being transferred. I also sent a letter to Loancare from XXXX stating that my loan was transferred to Loancare as of XXXX XXXX, which is why I continued my payments to them for those two months. I was reassured that these funds would be collected from academy and with no penalty to me. I also asked for my escrow account to be fixed since it was still reflecting a dramatically lower payment than I was making at XXXX. Even still i continued to receive constant foreclosure letters and no change to my escrow account. After getting a lawyer to assist me in this process I then spoke with XXXX XXXX who assisted in getting my monthly payment corrected but would not assist me in my escrow shortage. He claimed everything was update and could no longer assist me. I then spoke to someone in customer service named XXXX XXXX who admitted my escrow account was short and would work to resolve the issue but, I have yet to hear back from her. She asked me to forward her all my emails with XXXX XXXX and I did. This issue has been ongoing since XXXX XXXX. I have lost sleep and been stressed out for months. I thought laws were put in place to prevent company 's from treating clients like this. The lack of response and care is completely discomforting and unprofessional. It would take me to call Loancare 5 times just to recover one person to assist me correctly. With all said and done my escrow account is still short in funds. XXXX sent me information stating they sent over {$2300.00} for my escrow account through XXXX 2016. Loancare reports only having {$1800.00}, as of today, remaining. This amount is incorrect because my monthly escrow payments are ) XXXX. My monthly PMI is {$100.00}. My yearly Hazard insurance is {$720.00}. So if you add {$260.00} for each month of XXXX, XXXX, and XXXX, then subtract the monthly {$100.00} for PMI and {$720.00} for hazard insurance, my escrow balance should be {$2000.00}. Where is the rest of my money???

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 2021-09-30
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:
hello, i sent a dispute for a account that was removed from a dispute XX/XX/XXXX ( report id # XXXX ) but was illegally reinserted on XX/XX/XXXX.i sent another dispute on XX/XX/XXXX to fix this issue but all you did was send investigation results back saying you updated account information not removed my account. it was illegally reinserted because after the reinsertion I was supposed to be notified of reinsertion of the alleged account within 5 business days after reinsertion according to 15 usc 1681 ( 5 ) ( b ) which states : " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' it also states the grounds for reinsertion : " If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is COMPLETE and ACCURATE. '' now the account should have never been reinserted in the first place but not only was it reinserted you reinserted the account with brand new information which is a direct violation of this federal law. it says a account can only be reinserted if the person who furnishes the information certifies that the information is COMPLETE and ACCURATE. You reinserted the account with no notification to me in writing, as well as creating brand new information on the account then a week later on XX/XX/XXXX you changed the information back to the old information that was on my dispute to make it look like you were in compliance with the law but your not. The documents attached to this dispute are listed by dates on my credit report and support my case, XX/XX/XXXX the balance read {$4200.00}, XX/XX/XXXX the account was removed because of the dispute, XX/XX/XXXX you reinserted the account with a balance {$5000.00}, XX/XX/XXXX you changed the balance back to {$4200.00}. i demand you re-remove this account for breaking 15 usc 1681i ( 5 ) ( b ) by reinserting a account without giving me a notification in writing and furnishing brand new account information then changing it back to old information.

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 2020-11-15
Company: EQUIFAX, INC.
State: MS
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:
on XXXX I mailed a letter requesting verification of inaccurate accounts showing on my credit report. I never received a response so I mailed another letter on XX/XX/2020. I still haven't received a response and in the inaccurate unverified accounts still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received notices the past 2 year that my property taxes were not paid. I have an escrow my property taxes are to be paid out of. I called, faxed, and mailed the notices each time I received them and was assured by representatives my property taxes would be paid. My tax return shows property taxes paid from the lender but I received a tax lien notice of unpaid property taxes today that my property would be sold in 60 days if not resolved. I plan on paying the amount because I do not want to lose my house but I do not trust my lender to pay my property taxes now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hello, I got a personal loan from XXXX on XX/XX/2020. The loan amount was {$30000.00}. However, they did not credit me {$6000.00} into my account. They asked me to credit this money to one of my existing account. The Goldman Sachs account was over there and I thought it was related to my car loan account XXXX XXXX XXXX XXXX. But it was not. I gave my car loan account number and the money did not go there. I contacted the XXXX and Goldman Sachs couple of times with phone and e-mail. They promised me but they did not solve my problem. I am still paying XXXX {$1000.00} dollars every month with automatic payments. However, I could not get my {$6000.00} dollars from either company. Could you please help me with this issue? 

Recently, I submitted a complaint against XXXXXXXX XXXX through this website. They responded my complaint but they did not solve my problem. Instead, they wanted me to contact Markus by Goldman Sachs directly to refund my money into my account. Apparently, my money was cashed out with another account ( which is not mine ) at Markus by Goldman Sachs. I am attaching XXXX 's response to this complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Patenaude & Felix A Professional Corporation
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with P & F, who then bully and lie stating they made calls and sent letters, none of which were registered mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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: Information belongs to someone else

Complaint:
I HAVE BEEN TRYING FOR TWO YEARS SINCE EQUIFAX HAD THEIR FILES STOLEN TO GET MY NAME CORRECTED AND THREE ITEMS REMOVED FROM MY CREDIT REPORT WITH NO AVAIL.SO THIS IS THE SECOND COMPLIANT THAT I HAVE FILED WITH CFPB, THEY JUST LIE AND IGNORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: LEXISNEXIS
State: DE
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 contacted LexisNexis several times on the validation of the bankruptcy on my report & file. I explained to them how they needed to verify the items that was on my report. They replied that they verified my bankruptcy which is false.I asked them to verify how you got you information and you didnt respond with documents. I asked for you to send please me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately, and you guys failed to give SOLID PROOF. LexisNexis uses a database called XXXX to fish out negative info on consumers and you then sell it to the other consumer reporting agencies. Thats violation 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy & congress makes it clear that a consumer has a right to privacy. LexisNexis going out and fishing for negative information about me is an infringement upon a consumers right to privacy pursuant to 15 U.S.C 1681 ( a ) ( 4 ). The second one- 15 U.S.C 1681b ( a ) ( 2 ), LexisNexis did not have a Permissible purpose nor did they have your written instruction. LexisNexis stated that they contacted XXXX, which means they had the information prior to contacting them ; and did not get the information from them. XXXX bankruptcy courts states if someone calls the courts for CONFIRMATION... 

Three Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: AMCOL Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt is in accurate and the collection agency can not validate the debt or that they can collect on it. The service provider can not provide a signature that i accepted services

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mu name is XXXX and last month I submited a mortgage payment to Loan Care Service Center, XXXX XXXX XXXX XXXX PA XXXX. They received as a ach payment that was taken from my bank. Unfortunately they returned my payment to my bank because it went to this adress witch was the old location. At first I call and spoke with XXXX, XXXX, XXXX and XXXX ( who hung up on me ). They all stated that I would receive a check in the mail. Never received. After trying to speak with inumerous people and staying hours and hours, finaly someone else told me that they returned the check to my financial institution. NO one could give any answer. However my bank did not received. They can not tell me any information on the check. called inumeours people. Spoke with XXXX XXXX and he stated that he would call me back with the information. He never answer his calls and did not returned my calls.his phone is XXXX bank calls and nothing. Spoke with XXXX, was busy and got my number. never called me back and never answer any calls. I can not talk with anyone there. I need them to give any information on the check that they sent. I just need anyone to give the infoarmation on the check that they lost so my bank can trace it. My mortage payment is late and is affecting my credit because of that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, I mailed a certified letter to Midland Funding, LLC, requesting debt validation for a collection reporting on my credit report they allege that I owe. I disputed this thru the credit agencies ( XXXX, XXXX and XXXX ), several times and they advised the account was verified. I then emailed the bureaus to request their method of verification and to provide the proof. It has never been provided. 

Midland Funding advised the credit agencies above that the debt is verified. So why have they not responded to me yet with the requested information for debt validation? And, they are continuing to report it on my credit report. This is a violation of my consumer rights- both my FCRA and FDCPA rights ( failing to validate a debt at my request and continuing to report a disputed debt ). They have not responded as of XX/XX/XXXX. 

Initially, when I began disputing the account, the balance reported was {$1500.00}, now it's {$1500.00}. Between, XXXX and XXXX, it went from {$1500.00} to {$1500.00} to XXXX ( which is the high credit ) and now it says {$1500.00}. How did the balance change? How can the balance be more than the high credit- this is inaccurate reporting. The law states that the data must be entirely accurate or it must be removed. 

Beyond all the reasons above of this alleged collection.. the following are inaccurate, misleading and being reported a multitude of ways which is also a violation... 

They are reporting Number of months terms to XXXX. 
The last date active is reporting differently for all three credit agencies. 
The payment history is reporting current with XXXX and collection with XXXX and nothing reporting with XXXX. 

How much more needs to be inaccurate for me to be taken seriously and these to be removed? 
This is damaging my character and causing me to be denied from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an order of several items from a company on XX/XX/2021. 

The order was finalized on XX/XX/2021, and charged on my HSBC credit card. 

It was billed to XXXX on my credit card. 

However, I emailed the company to cancel the order and return the items, which I did. 

On XX/XX/XXXX, the company replied that they received my return shipping receipt with the tracking numbers and the refund would take 3-5 business days. 

The issue is that the charge is still on my credit card statement, and I reported the dispute to HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I call equifax to remove fraudulent XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Initially, I went to make a purchase through XXXX that subscribes to a service called Verified by XXXX, to complete the purchase you must provide your password, which I entered, and entered again and again and it was n't accepted. I then tried to reset the password and provided all the needed info, again multiple times, each time it was rejected. Since it was declined, I went and purchased the items elsewhere on a different card. Then I find that they went ahead and completed the transaction even after all the rejections and telling me I was providing wrong info. I then sent a message to Compass Bank through their on-line banking system, which they deleted. Sent another message about it, and have continued to send messages daily to the bank for a week now. Each time I send a message, I get a response stating they will try and respond within one business day, it is now at XXXX messages and not a single response. Have a feeling they want me to call and deal with this over the phone as that provides them with deniability as there have been other issues in the past. i.e. I signed up at Compass Bank under an offer that was mailed to me which promised free checking for life. A couple years later they changed this and started charging me, when I challenged them on this, they asked for a copy of the letter, my reply was that they had attached it to the original paperwork opening the account. I then called another branch and asked if they maintain the original paperwork on accounts and was told yes. I then proceeded to the original bank branch and told them I had been told they maintain this paperwork, they replied 'yes, it 's a banking requirement ', but then I provided my ID and lo and behold, my paperwork had vanished ... ..and of course no offer was made to attempt to find it. Will add but a few of the screenshots showing that the messages have been sent acknowledged and ignored

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09
Company: DISCOVER BANK
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2016 my Discover Credit Card had a fraudulent charge and it was canceled and a new one issued. I received the new Discover credit card on XXXX XXXX and activated it with no problems. However I have not been able to log into by Discover Bank account ever since this date. Discover Customer Service keeps telling me it is a technical issue. It is unbelievable to me that 21 days later I can not log into my Discover on line Bank account due to a Discover Credit Card issue. Discover Bank is an online bank. I need online access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: U.S. BANCORP
State: MN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
When I purchased my new lease I specified I wanted my payment due date to be the XXXX of every month. Every bank I 've ever done business with ask you this very question. When the first payment came in the mail, the due on the XXXX of every month. I contacted U.S. Bank to have the payment date changed to the XXXX of every month. In the end I was charged a {$50.00} fee and only allowed to move the payment due date by 15 days.

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 2016-12-24
Company: U.S. BANCORP
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Us bank located at XXXX XXXX in XXXX XXXX XXXX recently opened up some financial service in my name and private information. I am being forwarded recent letters from an address in XXXX in 2013 stating my accounts are active and to contract them immediately due to usps address change. They also sent emails which were forwarded to an investigation company where I learned that the account has been closed yet they are unaware as to whom is contacting me from the bank. I had a team of investigation on the phone mediating contact.And they kept trying to get more information from 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 non-monetary relief