BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have tried to get them to fix they way they are serving our loan and sending us documents like request for insurance for a condo policy when the original loan is a VA XXXX XXXX loan. We were contacted in XXXX of, XXXX, XXXX of XXXX and XXXX of XXXX a notice of insurance for a condo. 

XXXX year in a row. This policy is not a condo policy nor is there any HOA. XXXX  auto EDI  flagstar bank XXXX XXXX XXXX XXXX XXXX phones az XXXX a copy of the current declaration page on XXXX to Flagstar bank and I have emailed them year after year as well as called with no resolution. 

This loan now purchased by Flagstar was never in its entirety a condo policy. 

This is unacceptable that I have waisted time and money off work to deal with this. There is Never a call back from a supervisor since the call center wait times are 3 plus hrs and the online, chat function is a joke with no service Representatives available in my area. Attached is a copy of my call timer on hold for XXXX mins and XXXX seconds with no answer and upon a call back a second time it took another 30 + mins to get through.

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2020, I sent a letter asking Transunion to investigate items that I believe to be inaccurate. I sent another note on XX/XX/2020. As of Today, I have not received a response from them or notification that an investigation has begun.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX EXPERIAN & XXXX : XXXX XXXX XXXX XXXX XXXX  EXPERIAN & XXXX XXXX easy pay XXXX XXXX XXXX  EXPERIAN & XXXX XXXX XXXX XXXX  EXPERIAN & XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN & XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX EXPERIAN & XXXX : XXXX XXXX XXXX EXPERIAN & XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX  ; XXXX XXXX XXXX ; EXPERIAN XXXX XXXX : XXXX XXXX XXXX ; EXPERIAN & XXXX XXXX EACH company is in violation of my rights by LAW !

15 USC 1681 602 A I have the right to privacy 15 USC 1681 604 2 no consumers reporting agency has written instructions from me the consumer on what is to be displayed.

15 USC 1681c requirements to the information contained in a consumer report. I requested for all accounts to be remove only my correct information should be displayed

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 2022-06-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX & EQUIFAX : XXXX XXXX  XXXX XXXX  XXXX XXXX & XXXX XXXX easy pay XXXX XXXX  XXXX  XXXX & XXXX XXXX XXXX  XXXX  XXXX & EQUIFAXXX/XX/XXXXXXXX XXXX XXXX XXXX EQUIFAXXX/XX/XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX EQUIFAX:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX ; XXXX XXXX XXXX XXXX & EQUIFAX : XXXX XXXX XXXX XXXX & EQUIFAX:XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX  XXXX ; XXXX XXXX EQUIFAX : XXXX XXXX XXXX ; XXXX & EQUIFAX XXXX EACH company is in violation of my rights by LAW ! 
XXXX5 USC 1681 602 A I have the right to privacy 15 USC 1681 604 2 no consumers reporting agency has written instructions from me the consumer on what is to be displayed.

15 USC 1681c requirements to the information contained in a consumer report. I requested for all accounts to be remove only my correct information should be displayed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Dept of ED/ XXXX ( or formally XXXX  ) Account # XXXX ( All XXXX accounts ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-03-03
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We are resubmitting this complaint since it is meant for CFPB ( as well as Chase ). 

Dear CFPB : ( 1 ) Please investigate Chase 's mortgage account book. We received wrong mortgage interest statements ( Copy B ) and ca n't file our tax return. 
( 2 ) Chase paid only {$8800.00} and {$5800.00} in interest XX/XX/XXXX and XX/XX/XXXX while they should have paid ~ {$9900.00} and ~ {$9500.00}, respectively. We made regular payments ( interest + principal ) throughout the years. It appears that Chase stole the money before they paid interest. 
XX/XX/XXXX {$11000.00} ( Chase payment ) vs {$11000.00} ( our estimate ) XXXX {$10000.00} ( Chase payment ) vs {$10000.00} ( our estimate ) XXXX {$8800.00} ( Chase payment ) vs {$9900.00} ( our estimate ) XX/XX/XXXX {$5800.00} ( Chase payment ) vs {$9500.00} ( our estimate ) ( 3 ) Chase violated our NOTE & DEED OF TRUST which state that the payments should be allocated in the following order of the priority : ( a ) interest ; ( b ) principal ; and ( c ) escrow. 
( 4 ) We want to point out that, by mere paper work, Chase manufactured a false deficiency and stole ~ {$35000.00} from us. They doubled tax burdens ( with 100 % interest ). Chase allocated the payments in the following order of the priority : ( a ) Chase 's theft ; ( b ) principal ; ( c ) escrow ; and ( d ) interest. Actually, there is no escrow ; it 's paid off ; and Chase is paying a manufactured, ghost escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Applied for loan/did not receive money

Complaint:
We bought a condo in texas-needed a line of credit to pay for condo while the other XXXX sells ( need money for XXXX-90 days ) Were told it would take 45 days. Problem is we made a purchase of the new condo being told we would be able to get $ XXXXtowards purchase. We went ahead gave all our information as needed-as we proceeded they continue to ask for more and more information repeating much of the same questions- They also kept lowering how much money they would loan ( from {$300000.00} to {$200000.00} to {$170000.00} and finally {$60000.00} ) We had to constantly call them because most of the time they would not call us back as they said they would. Now just to let you know we have excellent credit XXXX homes paid for worth {$750000.00} and investment of over {>= $1,000,000} we explained we only needed the funds for a short period of time not a mortgage - we felt we were being avoided. We had {$2700.00} dollars on the line and no commitment, thank XXXX we were able to obtain a line of credit against our investments otherwise we would have lost the deal and our money We have several accounts with Chase bank that is why we went to them and am sorry we did. I would not recommend them to anyone and furthermore question further use of their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-02-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account close in 2014 with XXXX XXXX XXXX. When I went back to work I paid XXXX XXXX XXXX. XXXX XXXX XXXX  allowed me to open another Credit Card With them. However Midland Funding is reporting this as an account in collections and outstanding.

I sent for validation of the debt to Midland Funding explaining that I already paid this debt years ago to XXXX XXXX XXXX, However Midland Funding just ignores my disputes and request. Yet they continue to report this inaccurate information on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In response to my prior complaint IQ stated they would reduce the amount of my balance, which I continue to dispute, but they are still reporting the incorrect balance on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2022-06-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive been trying to place a security freeze since XX/XX/2022 with XXXX XXXX I first tried doing it over the phone but while trying to verify myself I had no idea that they had a really old address for me in their system. So when they asked for my address I gave them my current one. That is what made me not be able to verify myself by phone. And the rep stated that I would then have to wait a whole 90 days to do it by phone since I didnt verify myself then. 

I proceeded to try the other methods that are available to consumers to freeze their file. Which are by fax, by mail and by email. I tried by fax from XXXXXXXX XXXX XXXX in XXXX XXXX In XXXX. Ive been trying the email method since XX/XX/2022. I also mailed off the documents needed for the freeze on XXXX XXXX and they are never receiving any of my attempts. Every email address that I use it keeps returning to sender. Here is the email address, address and fax number that I have gotten from this company. 

Email : XXXX Fax number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX refuses to re-invistigate legitimate disputes. I keep getting generic responses stating that they have already investigated, but do not provide proof as to what they used to verify the accuracy. I know the disputes I am making are legitimate and not my accounts. They have also refused to re-investigate inquiries that I know are not ones I have made and are hurting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My first and second mortgage was through XXXX XXXX. We negotiated a short sale with them. They agreed to remove the balance on the first mortgage and close both the first mortgage and second mortgage and CHANGE THOSE STATUSES TO UNRATED. The first mortgage was properly notated but the second mortgage XXXX Account XXXX ) is reflecting a status of " Charged Off ''. I disputed this with the bureaus and they left the status the same. 

The three credit bureaus would have submitted this to XXXX XXXX. They would have sent back the dispute indicating that the charged off status is correct. This is contrary to the arrangement we had for the status after the charge off. The Fair Credit Reporting Act provides that the data furnisher has the same requirements for processing disputes and providing the correct data as the bureaus do ( FCRA section 623 XXXX a ) ( 1 XXXX ( A )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been locked out of my home by Chase Home Finance. They had XXXX sheriff deputies attend and they had their charges to remove my belongings and put them out in the yard. Chase says they were acting on behalf of their investor, the Secretary of Housing and Urban Development ; the trustee deed they have had HUD 's name on it as grantee. This is new information as HUD has stated they have no interest in the home and they gave me a statement saying the balance was XXXX and the maturity date was the year XX/XX/2011. Chase is blaming HUD and HUD is saying there is no history of Chase being the lender. Chase now says they were the servicer as they assumed that role when XXXX merged with them, but who appointed them? Chase has caused my home to be advertised for {$1000.00}. So, who is responsible HUD or Chase? The lender, XXXX says that the loan is paid in full and there is nothing due or owing. Chase concedes now XXXX was the lender. How can the servicer now say that the lender can not release the deed of trust and that there is more money owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: National Credit Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was scanning through my credit and noticed some inaccurate information and accounts on my credit report. I have two separate accounts from National Credit Services. One of the amounts is XXXX and the second one is XXXX both account numbers are listed the same, XXXX. I sent a letter to them to dispute these errors being reported and also wanted to get verification of the debt, that letter was signed for them on XX/XX/2022. I received a letter from them dated XX/XX/2022 basically saying it was verified. I then proceeded on and sent another letter to them which was received by them on XX/XX/2022 and received the exact same letter back from them, which was dated XX/XX/2022. They have failed to provide me with proper verification of this alleged debt that I owe them. I tried to resolve this issue with them, but have been unable to. I have attached all letters sent and received from the company and also sent them certified mail and attached documentation showing when it arrived to them and when it was signed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I flied and could n't add the whole complaint. I sent the middle part. Here 's the first and end part ; XXXX. ( first part ) Help! I am a XXXX Veteran, almost XXXX years old and have been unemployed for several years. Past history ; I open a case with CFPB last year through XXXX XXXX XXXX XXXX in XXXX Florida. My complaint number i : # XXXX. I contacted Brain XXXX XXXX, CEO of Bank of America on XX/XX/XXXX ; XXXXXXXXXXXX and he appointed XXXX XXXX, Customer Relationship Manager Office of the Chairman and CEO on XX/XX/XXXX and phone number ; XXXX. XXXX send me a letter and said she would be my dedicated single point of contact throughout this process ( To reduce my house payment by combining my XXXX lines of credit into the original line of credit ) XXXX told me my house payment would be {$460.00} starting XX/XX/XXXX and on the XXXX of each month. I received my XX/XX/XXXX statement and the payment was {$1300.00}. XXXX said there was an error in the computer and it would be fix in several weeks. After many months, the XXXX XXXX XXXX XXXX file a mortgage compliant with CFPB and the problem was resolved and the payments was around {$210.00} to {$210.00} interest only per month until XX/XX/XXXX. The bank wanted me to default by not paying {$1300.00} for several months and then file for a foreclosure on my residential property that I have been living in for 32 years and never missed a payment. 
( end part ) I have attached ; Copy of the of the loan documents of Loan No : XXXX, Chapter XXXX Individual debtor 's statement of intention/surrendered rental property ( XXXX XXXX XXXX. XXXX. XXXX XXXX, FL, XXXX ), Discharge of debtor, Trustee 's quitclaim deed/ sold rental property, Bank Statements , old Account # and new Account #. 
Bank of America staff sit in their offices and being paid to seek out innocent victims and to harass, pressure, in still mental anguish and create night mares to old disable veterans, old non veteran unemployed or on fix incomes. They are above the Federal Law and can get away with anything. Bank of America, shame on you.

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 2016-05-19
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been experiencing great difficulty paying my mortgage due to JP Chase Home Finance Mortgage increasing my loan amount and increasing my mortgage payments. I am unable to refinance, sell the home and do anything. I am also having a very hard time paying the mortgage I pay the mortgage to not mess my credit up. Unfortunately I may be loosing my job very soon and I want to clear this matter up now before I go into foreclosure. I reached out to JP Chase Home Mortgage to come up with a resolution and Chase only offered me another Loan modification. At this point I believe its pointless to obtain a new Loan Modification especially since, the previous one put me in a hole. Note : I do n't mind if CFPB publishes this issue however please refrain from publishing my loan account information, loan number, address, name, social security numbers, basically anything personal pertaining to me and my home.

Company response to consumer: Closed with explanation