BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 I switched home insurance companies which I pay through an escrow account with my mortgage company Carrington Mortgage. The former insurance company sent a check to my address for a refund of canceling my home insurance. I needed to deposit that money back into my escrow account. On XX/XX/2022, I called Carrington and asked what is the best way to deposit that money back into my escrow. I did exactly what they said to do and that was to make a payment and include in the memo ' to be deposited into my escrow account ". It was never applied back into my escrow account by Carrington, it was applied to my monthly payments on XX/XX/XXXX, an error on Carrington mortgages part. On XX/XX/XXXX as soon as I was alerted to this I called Carrington mortgage to get this straighten out only to be told they would put a work order in for this and call back in two weeks. I have contacted Carrington Mortgage every two weeks from XX/XX/2022, until XX/XX/XXXX and it is still not corrected. On XX/XX/XXXX I talked to a supervisor who said it should be corrected, but I now have a letter from Carrington mortgage dated XX/XX/XXXX stating that my house has an " intent for foreclosure '. I have been making my monthly payments on time or before time, so I do not have any missed payments or late payments. On XX/XX/XXXX when I talked to the Supervisor, I told him I should not have any late payments or missed payments as everything on my end was done correctly. This should not have taken 3 months to be corrected. Also now my monthly mortgage payment went up, but this should not be because my property taxes and my home insurance payments did not go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
My name is XXXX XXXX XXXX XX/XX/23, CAPITAL ONE FINANCIAL repod my car, and took it straight to an auction lot XXXX XXXX hours away from where I reside, after my account was charged off on my credit report. A charge off means they were paid. They then hired a 3rd party company to steal my property. Without notice. They offered me no help in finding out where my car was located at for XXXX weeks. Nor has anyone been able to inform me what happened to my personal property inside the car. XXXX representative told me then can sell my car whenever theyd like. So apparently I have no rights according to Capital One Financial. I called multiple times, each time being a long drawn out frustrating experience, XXXX hours on each call without gaining any needed information. I was told if I did not give them my social security number, or account information, on the account they closed, they had to disconnect the call with me. I have requested multiple times my original contract, my original promissory note, from the employees in the presidents office, And case manager, which I still have yet to receive from them, in order to verify proof of debt owed, or proof of funds I supposedly received for said loan from them. They were not at the dealership upon the business of my promissory note signature. They are holding me and my ability to travel & self sustain at ransom, for presumed said past due amount. Even after reporting charge off & closing of account to credit bureaus, which they took no responsibility for doing when addressed. I have rights, and am the owner, & beneficiary of my property. They have committed conspiracy against me, and no corporation has more rights over my securities & equity than I. I never received the right to dispute, nor any due process for such harm caused upon my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SECOND REQUEST : Transunion came back on XX/XX/22 stating the account had been verified as mine but failed too thoroughly investigate all accounts listed on my report. Instead they opened and account that I was listed as closed and is fraudulently showing incorrect information after I have sent them several requests to have the following removed. They are not following E-OSCAR and Metro 2 Compliance. They are sending out letters without thoroughly investigating items on my credit report. 

Those items are : XXXX XXXXL-was listed as closed. They reopened it with a balance reporting every month which is against the law. 

XXXX  XXXX XXXX XXXX  XXXX TEXAS

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 2021-05-19
Company: INTERCONTINENTAL CAPITAL GROUP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinancing with Intercontinental Capital Group ( NMLS on XXXX XXXX. We have good credit ( XXXX ) and good equity in home. I approved the proposed estimated terms and we moved forward with an appraisal. We were sent an authorization to pay for the appraisal in an amount of {$780.00}. When I questioned the above average cost of the appraisal, they found an alternate service for {$450.00} within 1 day. 

Upon completion of the favorable appraisal ( XX/XX/XXXX ), the plan was altered to reflect a loss of a lender credit, higher interest rate and higher closing costs. We reluctantly agreed to the altered terms. On XX/XX/XXXX, I followed up on the status of the processing and was told that we should hear from someone by XX/XX/XXXX to advise if any more documentation is needed after underwriting reviews. I questioned the lengthy timeframe of the process and was advised that they were backed up. I also questioned if this would cause any rate-lock to be affected and was advised that it wouldn't. 

On XX/XX/XXXX, we received a random email reflecting yet another increase in closing costs, which would decrease our cash-out at closing ( cash-out refi ). At this point we had 2 months of waiting for this refinance with underwriting still not approved due to disorganization with the company. We had been reassigned to 3 different loan officers due to attrition with the company. 

After wasting over 2 months of our time with no sign of getting to a closing, we advised Intercontinental that we would not be moving forward with the refinance on XX/XX/XXXX. 
We requested that we be reimbursed for our expense of {$450.00} for the appraisal and received no further response from any company representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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 does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing one CAPITAL ONE credit card account on my Social number. but I never applied for CapitalOne credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is capital one account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
I submitted 4 dispute letters to Experian regarding late payments on my report that are not accurate, for 7 accounts. I submitted letters via certified USPS mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Each letter requested them to investigate the late payments, and my statement was : " I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. '' Following each letter Experian responded with a dispute result, with each account status listing : This item was updated from our processing of your dispute in { Date } On subsequent credit reports, 3 accounts with XXXX  XXXX had a comment that stated Account previously in dispute now resolved reported by subscriber. '' 4 other disputed accounts did not even contain comments to indicate anything.

Each of the 4 dispute results was responded to in a way that they failed to provide how they verified any negative information as accurate, through what agency or company it was verified, or any statements or proof from whoever provided the information. This provides me with no resolution to my disputes whatsoever. 

My dispute letters are attached.

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 2020-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Bank of America Credit Card showing on all of my credit bureaus that I never Had. 
It shows Charge OFF. 

I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. 

Thank 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 2023-08-18
Company: Select Management Resources, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
The loan was paid off and they are still texting and calling me after I have told them not to call or text anymore. I also sent verification of my receipt where it was paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-07-08
Company: Experian Information Solutions Inc.
State: TN
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 submitted disputes to the 3 credit bureaus regarding inaccurate reporting of a bankruptcy on my credit reports. XXXX deleted the inaccurate information, XXXX and Experian would not delete the inaccurate information. XXXX   and Experian said their information was verified as accurate. The third party company ( XXXX XXXX ) in which Experian and XXXX claim they received the information stated they could not verify the information as accurate and has deleted the information from the report and requested Experian and XXXX  remove the inaccurate/unverifiable information as well but they did not. If the third party ( XXXX XXXX ) in which Experian and XXXX say they are getting accurate information is stating the information is not verified and accurate how can Experian and XXXX report this as accurate?! I have attached documents from the companies stating the above and I would like to have the inaccurate information removed from my Experian and XXXX reports as soon as possible for they are violating the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the past 3 years ( since XXXX ) Ive lost or got my wallet stolen a total of 3 times and been having to replace cards and ids since .I recently logged into XXXX to check my credit score just to see a lot of fraudulent activity hurting my credit .I started to look into it and seen that someone had been using my identity to rent and buy things with my acknowledgment or consent a collection fee of XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter on XX/XX/XXXX that is telling me I am being sued for a credit card debt from XXXX XXXXXXXX that I have not had since XXXX. They state my balance due is XXXX. The letter states I must appear in court on XX/XX/XXXX. As an alternative than to appear in court I can pay XXXX.up until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2023 Somebody that was over my house stole my credit card and made a purchase of {$100.00} and I contacted XXXX and they said to contact my bank. So I did and they said they couldnt reverse the transaction and being very rude and had a attitude and the company is capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-04-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XXXX XXXX XXXX I HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS
account name : XXXX  self-reported
account XXXX XXXX  
balance:XXXX
last active date: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 2023-04-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2023 i have noticed fraud accounts and inquiries these accounts and inquiries must be removed now account name : XXXX XXXX account # : XXXX date open : XXXX last date active : XXXX last payment date : XXXX incomplete account is ground for removal " fair cares act ''

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 2021-05-20
Company: USCB Corporation
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with USCB CORPORATION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that USCB CORPORATION claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. USCB CORPORATION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

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