BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-13
Company: Flagstar Bank, N.A.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid all my payments on time to Flagstar Bank while I was in the Federal Emergency Home Loan Program and on the FHA HAMP Loan modification program and Flagstar Bank did not apply my money to the account level in a timely manner. Instead they put my money in a suspense account and applied it to the account level whenever they felt like it. Now I have been trying to obtain a release on the FEHLP contingent lien since XX/XX/XXXX and have had a denial thus far and not even a reduction of 20 % per year for four of the five years which are not in dispute. They claim that I was delinquent in XX/XX/XXXX ; however, please see attached documents because that is not true. Also I was able to remain current on the FEHLP and still enter the FHA HAMP program under the " imminent default '' option to get into the FHA HAMP. In short, I did not have to be delinquent to get into the FHA HAMP. Flagstar had treated me as a delinquent the entire time I was being serviced by them when in fact I was current. They did a " lockout '' where they switched the locks on my front door. They have been coming into my home and on occasions small items were missing or damaged. I think they worked with other creditors of mine to help them collect their money from me in violation of the Fair Credit Reporting Act. They have reported me to the three credit bureau reports as delinquent even to this day for periods of time when I am in fact current. Please see attached letter from the former President of Flagstar Bank. I have contacted numerous local,  state, and federal agencies to help with no success. I am looking for the release of the contingent lien and for a XX/XX/XXXX 1099 form for the forgiveness of debt and for my credit bureau reports to be corrected to reflect current and for interest on my money while it was in the suspense account, and for reimbursement of my locks. I should get more money for intentional infliction of emotional distress ; however, I realize that is very unlikely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Experian Information Solutions Inc.
State: UT
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 submitted several disputes with Experian and they do not take off this fraudulent account. They say the company has provided information for them to not block it. I filed a police report back in XX/XX/XXXX and it was removed and then was put back on XX/XX/XXXX and I submitted a dispute in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refuse to take this off I have filed a complaint with the company XXXX  as well.

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 2020-06-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This complaint is in regards to a late payment that was reported by Wells Fargo Dealer Services onto my three credit reports. The late payment was reported XXXX of XXXX. However I want to note that my car that I had financed through them XXXX XXXX XXXX was traded in during the month XXXX and also made a payment on the account the day before I traded it in. So I know I wasn't 30 days late on the payment for XXXX. Wells Fargo even sent me an overpayment check a few months later in the amount of my last payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: TD BANK US HOLDING COMPANY
State: UT
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 submitted several disputes with XXXX and they do not take off this fraudulent account. They say the company has provided information for them to not block it. I filed a police report back in XX/XX/XXXX and it was removed and then was put back on XX/XX/XXXX and I submitted a dispute in XXXX, XXXX and XXXX. They refuse to take this off I have filed a complaint with the company Nordstrom as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: American Financial Resources, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint submitted in which my first complaint was regarding my mortgage servicer reporting my account late in XX/XX/XXXX in which I have not received written response from the servicer regarding resolution and my account is still reported late for XXXX. This current complaint is in regards to my escrow. AFR is in violation of regulatory servicing requirements as an escrow analysis can only be done once every 12 months. AFR completed an escrow analysis and mailed me a statement dated XX/XX/XXXX for analysis period of XXXX in which there was an escrow shortage of XXXX and my payment would be increasing XX/XX/XXXX {XXXX}. I now recieved another escrow analysis dated XX/XX/XXXX in which they claim I now have a shortage of {XXXX} for an analysis period of XXXX. I called them today XX/XX/XXXX and got a very rude unhelpful representative whom couldnt and wouldnt answer why another analysis was completed and questioned if I requested the XXXX statement multiple times as I told her I dont call in I just pay my payment every month I did not request anything from them. She ended my call with muttering an email address to send a request for research my escrow issues. I had a loan modification in XXXX in which ever since then my escrow has a shortage. I believe my modification was done incorrectly which is causing these escrow shortages to occur. I want a written response from the company regarding both complaints and resolution. Its unfortunate that I have to submit complaints with the bureau to attempt to get resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was affected by the data breach and my information was compromised. I also had a mixed file. I have taken the additional steps an placed a fraud alert on my reports. I have disputed this information with all 3 bureaus and the information has been removed from the other 2. I never applied for credit with these companies nor did I authorize any to pull my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Northland Group Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Northland Group in reference of XXXX, account number XXXX. A debit that Is not mine, I would like that Company to verify the debt with my signature, and the original date of the debit. But they sent a letter stating the debt was closed. I state the debit does not belong to me, they have ignored my letter, Please send me the original contract of the debit with my signature verifying the debt, and I am suspect of the date of the debit, it is a 2008 debit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: Riverwalk Financial Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX just reported a {$2800.00} debt on my credit report, and I have no idea where this debt came from. Prior to its appearance on my credit report, I did not receive a notice of right to dispute. I am supposed to receive this notice at least 30 days prior to a debt being reported, but I never received such a notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/20 I was looking for a car title loan. XXXX came up on my XXXX search. In fact they are the only one that did because these types of loans are illegal in Ohio. Since I found this out I've stopped paying and have asked for my title back. They are deceptive and operate using fake storefronts. They are threatening repossession. I spoke to XXXX XXXX XXXX and they claim they don't make these types of loans. They are listed as a lien holder on the title. Im at a loss as to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with XXXX was sold to Loancare LLC ( XXXX ID XXXX ) when XXXX went bankrupt for the second time. I received a letter from Loancare which said that my account would be ready for registration on XX/XX/2019. 

It is now XX/XX/2019, and the Submit Button for LoanCare 's account withdrawal payment option still isn't working. I do, however, have a loan number. 

Is Loancare LLC REALLY in business? It's website does not supply an email address. It's website does not provide a webform which borrowers can use to make an inquiry. Loancare 's  customer service phone lines are SERIOUSLY understaffed. It's payment setup doesn't work. Callers can't ask for a callback. 

I spent from XXXX today XX/XX/2019 on the phone listening to the same two phrases of a piano piece ( and one other piece of music ) repeat ... ad nauseum. 

At XXXX Pacific Standard Time/XXXX Eastern Standard Time, when LoadCare closed for the day, my call was terminated. I never DID learn whether the extra payment XXXX received on XX/XX/19 will be forwarded to LoanCare. Nor did I succeed in setting up payments A WEEK AFTER MY ACCOUNT WAS SUPPOSEDLY READY TO SET UP LOAN PAYMENTS. 

Right now, it's easy to foresee a scenario where Loancare 's  understaffing and poor administrative processes diminish MY credit score. That's scary. 

See XXXX XXXX XXXXXXXX ). Whoa! 

I'd hoped to setup auto payments two times/month ( in an effort to reap some interest savings ). Now what? This story does not reflect well on LoanCare , LLC. I'm not sure it reflects well on the CFPB, either. Was the {$100000.00} fine a mere slap on the wrist, or enough money to motivate LoanCare to change it's behavior?

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 2020-10-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in XXXX and XXXX, we were out of work XXXX furloughed ) due a natural disaster in Florida. The XXXX and XXXX declared a state if emergency. I reached out to my mortgage holder Rushmore Loan Management to advise we we XXXX be missing payments due to this emergency. I was told no negative reporting would be in my credit report but I recently learned six missed payments were posted even though the mortgage company agreed no reporting would be posted and that we would refinance the loan. The loan was ultimately refinance but Rushmore failed to remove the six markers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Checkr, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for XXXX. Had my background check Done by your company. And the incorrect information seem to not have Uploaded on your side .I was just wondering why when at the same time I had applied for XXXX, And was accepted .The company checkr, I believe did not get an updated version of my background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, I sent by registered mail, a letter addressed to Trans Union at XXXX XXXX  XXXX, XXXX, PA XXXX. Enclosed was a letter of dispute and a XXXX ( attached ) said letter was delivered on XX/XX/XXXX, at XXXX am per XXXX  Tracking ( attached ), The reason for the dispute was that XXXX XXXX was reporting The balance of {$1900.00} which I had disputed several times in the previous months with no avail, now that I received the XXXX in XX/XX/XXXX, I thought I would re-dispute with written proof, needless to say this was not the case. On or about the XX/XX/XXXX I received from Trans Union the investigation results dated XX/XX/XXXX, ( attached ) the results read " VERIFIED AS ACCURATE AND UPDATED '' showing a balance of {$1900.00}, even though the XXXX for {$1500.00} was sent from XXXX as well as sent to Trans Unions attention. Previous disputes where where " VERIFIED '' in the same fashion and with the same end results, another issue is the date of the identifiable event on the XXXX is dated XX/XX/XXXX, nearly a year prior to my disputes and XXXX still refuses to verify the correct information to Trans Union as well a the other two ( 2 ) remaining credit reporting agencies when asked to verify. Trans Union was furnished proper documentation and refused to update with documented proof and instead relies on undocumented press of a button.

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 2017-11-30
Company: BARCLAYS BANK DELAWARE
State: OR
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 received an alert on XX/XX/XXXX that a new account was opened on my credit report from Barclays Bank. 

I called the number listed and disputed it. I found out that it was a store card from XXXX in XXXX XXXX. 

I was out of the country when this occurred, so I knew it was fraud. 

Though ive disputed this, I can not get additional information from the creditor and my credit score has dropped nearly 100 points. I am desperate to have this removed as we are in the process of buying a home and now I wont be able to. 

I also need to provide information to the police. Each time I call I can not get through to the correct dept at Barclays bank and end up being disconnected. 

Please help, I am begging for some resolution. I have always taken great pride in my credit and have always managed my finances responsibly.

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 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 call and talk to the nice lady XXXX I ask her if I could speak to someone in the office she said they the lady had my case on the desk and they are handling it. 

Seem like this company can't be trusted I see some of the same issue I am having For the monts Of XX/XX/2019, XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX I sent my payments but they didn't process them the correct time and I remember when I ask the lady she said they will update everything they were working on their system it should be notes in there system.. 
I am asking that y'all please update these dates to pay as agreed because those days I paid in time y'all was having system problem I with from XXXX  later to XXXX not to XXXX Somthing not write I seen people in the pass had to get lawyers this is very stressful y'all already embarrassed me by putting the wrong information on my account and y'all still want fix these dates. Please please update those dates has pay as agreed I just to call and talk to someone but told I couldn't because you are working on my case these are the days that need to be correct thanks here is only people who had the same issue the money order get return you pay online it post the wrong time that's crazy please update my account i attached copies. Y'all have open dates all wrong y'all make me look real bad and I pay on time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Rude staff who talk to you like your 5 years old when returning phone calls. Wont help with website issues when website tells you to call your local office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I open a Freedom unlimited Chase credit card on XX/XX/2019. Once the account was opened, I proceeded to do a balance transfer. I read the document for the fees and mentioned a 3 % fee for balance transfers. After I did the balance transfer, the bank charged me a 5 % fee. I have repeatedly sent emails to them, but they keep saying that 5 % fee is standard. I showed them the documents that said 3 % and they continue to ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
carrinton mortgage started servicing my loan XXXX XXXX from XXXX XXXX XXXX I was in default and now am paid up as of XXXX/XXXX/XXXX with help from homekeepers program the bank was supposed to recast the loan and give me statement on disbursements on how the monies were paid out as of now they have not given me a statement on what my monthly payment is supposed to be 1 letter said {$2300.00} the 2 said {$1600.00} the website says {$810.00} and someone I spoke with said it is {$1400.00} they just received {$50000.00} to bring my payments up to date so I was not in default and lower my payments so it was more affordable and my payment is due by XXXX/XXXX/XXXX and they are not giving me a straight answer on how much my payments are and it is putting me in a situation of being in default and I was told that they are not going to send me a statement or payment coupon and they do n't have to. 
they are also not endorsing an insurance check from XXXX under payment which I had to have a third party neutral review despite their policy clearly state as long as I am currant and the check is under XXXX send it in with the adjusters report unsinged and they will endorse it and send it back I sent in all of the documents as well as invoices and proof of payments,3rd party recommendations they also sent an inspector who said it was 100 % they sent the check back unsigned and altered it by stamping the front they have only had loan for 4 months and I feel they are trying to make me default on my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EQUIFAX, INC.
State: GA
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 ask several times for the mortgage company ( XXXX XXXX ) to report my account correctly ... they continue to tell me that they are but they are not! i have never been late with this account. They do not even service this account anymore and on my equifax report it shows that they do and that it is open and late. They even tell me they do not service it anymore. XXXX XXXX  is who services my account is what they tell me ... well i know that and they are showing on my bureau open and never late but so is XXXX who used to service my account but it is showing late. I WANT THIS OFF OF MY EQUIFAX REPORT! IT IS NOT TRUE AND THEY ARE HARMING MY CREDIT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: Houston Finance Co.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
i received a {$100.00} loan from this company. i owe this company less that {$30.00}. I lost everything in Hurricane Harvey and have been displaced for 2 months. I explained to the representatives at the loan company that i was displaced. I lost my home and cars in the hurricane and once I 'm stable i would contact them to pay off the small balance. This company continued to call me, particularly a staff named XXXX, every day. I kept saying the same thing. She has even gone as far to call my references. I contacted XXXX today, XXXX/XXXX/2017 and asked her again to please cease contacts to me. She stated " I did not contact you, i called your reference ''. This is flat out harassment! Especially after i specifically explained my situation and my intentions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This so-called company is attempting to collect money from me from a company I've never in my life used.There is no debt, this is a scam.

Company response to consumer: Closed with non-monetary relief