BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband purchased a 3 bedroom townhouse in XXXX XXXX on XX/XX/XXXX. The loan was with XXXX XXXX XXXX. My husband XXXX on XX/XX/XXXX and willed the house to me. I always paid the mortgage payment online. On XX/XX/XXXX XXXX XXXX XXXX started communicating with that I was in areas. They alleged that my last payment was XX/XX/XXXX. They accelerated the loan one month later on XX/XX/XXXX. I continued to make my payments online and they accepted the payments XX/XX/XXXX; when they sent my account to Carrington Mortgage Services. When Carrington received my account they would not accept any payments ; however not before XXXX XXXX XXXX filed foreclosure on XX/XX/XXXX while my account was current. XXXX XXXX XXXX would n't accept my bank records or my continued calls asking them to research the situation. They just would n't entertain my attempts to show and prove that my payments were current. Recently I spoke to a person at Carrington research department and she wanted to know why I had n't made payments to them. I told her that every time I sent a payment would n't accept it until I pay the past amount due which is in the thousands now. For at least a year now I have sent Carrington all the documents they have ask for. My husbands XXXX certificate, succession papers, complete bank statements, also my bank has sent official document showing electronic payments to and accepted by XXXX XXXX XXXX, a long with amounts paid- last four of  the accounts and electronic tracking numbers. After all the documents that I have sent now they are asking for copies of front and back cancelled check ; which of course I do n't have because the payments were paid electronically. I am XXXX years old and XXXX, I rely on my daughter to help me with actives of daily living. I do n't want to lose my home. I do n't know what lese to do PLEASE HEPL! I 'm on a fixed income and can not afford an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: DISCOVER BANK
State: WI
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: Problem with personal statement of dispute

Complaint:
what are these remarks by DISCOVER on my CREDIT REPORT XXXX  : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXX 's. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by Discover. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now Discover is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. Discover has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had Discover is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the XXXX XXXX REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX  the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX claims I owe on an old XXXX account. The account in question does not exist. They have my full ssn and are threatening to report to XXXX tonruin my credit. They call daily and harass 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 explanation
Consumer complaint received 2019-05-21
Company: LCO Financial Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, My name is XXXX XXXX and Im a victim of a company called Blue Trust Loans. They initially deposited {$1400.00} into my account and I told them I can pay it off in three payments. After the third payment I noticed they were still debiting my account twice for XXXX, then I immediately contacted XXXX of XXXX and they placed a temporary block and temporarily placed the funds back into my account. On XX/XX/XXXX, XXXX XXXX XXXX claims my information did not arrive in a timely matter ; however, my letter was fax to XXXX   XXXX XXXX on XX/XX/2019 with a OK confirmation. So Blue Trust Loans is using the old bait and switch deception to think you signed documents for 6 payments, but I clearly was shown my 3 payments : # 1 XXXX. # 2 XXXX and the final payment was for {$250.00}. Please investigate this company Im a XXXX Veteran who lives on a fixed income and cant afford to lose any money. I requested to see the contract I signed to no avail. They told me it could take up to 45 days for them to receive those documents, and as of today I have not received anything from this predictory lender. 

Thanks in advance

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 2019-05-21
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 National Credit Systems put a debt that was my daughters for a past rental debt they said they put it on my credit because I signed an application that said I was a Guarantor for this debt I was planning on co-signing for it but was told by the assistant manager that they didn't need it then a week after they realized they messed up they wanted me to sign and I refused the apartments XXXX XXXX has never provided me the documentation stating this my daughter paid even more than what was owed due to the fact she needed a place for her sons and they knew it so they would not negotiate on the debt AND made her pay more than was owed!!!!!!!!!! Now I can not get approved for any housing because this is on my credit if I signed something I will shut up and move on but send me the docs with my name that says I am a Guarantor OR TAKE IT OFF ALL MY CREDIT REPORTS NOW!!! This is insane how this collection agency did us how can they put a debt on your credit without a paper trail???????? I continue to send 100s of emails demanding they take this off I am so frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 8 or 29 negative accounts that I didnt know it existed on my reports u disputed and still showing pls help it says I have like 10!  medical bills and I always had medical insurance I dont understand

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 2020-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/XXXX XXXX purchased my loan from XXXX I had a balance with XXXX of {$130000.00} and paid of {$7000.00} before they took over now I have a balance of XXXX. I also began a modification review with Shellpoint in XXXX of XXXX because I couldnt pay XXXX of mortgage and it went up again to XXXX so I requested a modification I fell behind but always paying. On XXXX I requested a modification and they continued to charge late fees, and other fees while under review. I then got an approval letter in XXXX XXXX, XXXX to immediately begin paying a trail payment of {$960.00} beginning XX/XX/XXXX not giving me a chance to recover what I was behind XXXX and XXXX. They have since reported me to all three credit bureaus at a highe mortgage payment owed XXXX instead of what I actually owed thats unclear {$130000.00} and Late payments for the months in which I was under review for the modification affecting my credit by aproximately 40 points from where I was hurting my credit. Covid 19 took a toll on everyone and Shellpoint didnt take this into consideration and continued to report my balances incorrectly and lateness while under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Bryant, Hodge & Associates LLC
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received text message from XXXX saying, " XXXX, Hey its XXXX. Please give me a call today when you have a chance. Thanks '' Called the number and spoke to a person name XXXX with " Bryant, Hodge & Associates '' about a payday loan from XX/XX/XXXX for over {$500.00} and offering to settle for only {$200.00}. This offer was due to the multiple attempts to contact me to pay this off. I stated that I have not received such attempts and asked him when. He said that this was sent to his office on XX/XX/XXXX and that a notice was sent to me the same day. He also stated that they have attempted to call me multiple times, but no calls received. This was the only notice that they would have sent me, and that they are not going to waste more money to send me letters if I am not going to respond. He mentioned most people are morally obligated to pay this and stated that I am not legally obligated to pay without proper written notice. He told me that they will continue to call me and I said I have yet to receive one phone call, which we stated you will now and hung up. 
I called back and spoke to " XXXX '' and he asked for my e-mail address to send a notice. I told him legally he has to send me written notice via USPS and he said fine and hung up. 

This is a failure of the following : Falsification of statements Attempts to collect debt not owed, even after over 7 years ) Never received notice of a debt Was never informed when calling that this was an attempt to collect a debt

Company response to consumer: Untimely response
Consumer complaint received 2015-04-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was at my XXXX during 2012 and I XXXX. My Primary care physician contacted the XXXX XXXX Police and they handcuffed my and took me to XXXX XXXX XXXX. I told both parties that my MCO did not cover hospitalization. They insisted that I be committed for evaluation. I tried to sign-out XXXX ( XXXX ). I was denied. However XXXX XXXX and one of the medical providers billed me for this service. I became homeless and my case manager submitted a hardship waiver. For the most part the majority of the bill was waived. However, this one particular provider ( XXXX XXXX XXXX ) did not and they 've sent it to collection. Now under the 8th amendment of the US constitution all pretrial or post convicted prisoners are afforded medical treatment while in custody. Because of this constitutional right, I contend that I should have never been responsible for the bill in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. I've been fighting with the bureaus for several months and they keep reporting this errorous information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed these inquiries because I did not authorize them. I had them investigated by XXXX and equifax responded by saying they were factual. I would like to know how they found out that these were factual and how their investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
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 XX/XX/2018 Nelnet reported my account 90 day delinquent. On XX/XX/2018 I made a payment of what I could at the time of XXXX. This payment was not for the full amount but this is the only amount I could afford at the time. Now my credit score has dropped significantly And its affecting my ability to provide housing for my children. I asked Nelnet if they could remove this 90 day late delinquent status and they said they are not able to do that. This is my absolute first time being 90 day late on the payment I honestly dont feel that I was totally late because of my payment I submitted XX/XX/XXXX. I would like this to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft as a result of this there were some inquiries made without my knowledge or consent, i have sent out numerous letters to Equifax with supporting documents, they are ignoring me and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo bank ruined my credit by reporting non payments to their alleged mortgage which was nothing more than fraud by an unlawful loan modification. Wells Fargo made the reports of non payment willfully full well knowing their false reporting and claims to enforce a mortgage contract which on its face was fraud and of which they broke on their own accord to give the appearance of a legitimate foreclosure action at the XXXX XXXX Supreme Court before XXXX XXXX who presided over the loan modification case in XX/XX/2013. Their was no investigation into the legitimacy of Wells Fargo to pursue such action and today this dirty criminal bank continues to make false reporting to the credit agencies and interfere in the Trust commerce by attempting to pay property tax through bulk checks and insurance on the Trust 's property. XXXX XXXX 's Office was specifically instructed not to accept unauthorized payments of property tax. Wells Fargo continues to perpetrate acts in an attempt establish ownership of the Trusts property with XXXX XXXX. Because of the false reporting of default on a mortgage that they created unlawfully I have not been able to get credit or only subprime loan offers which this agency well knows are designed to fail anyway just like all the unlawful loan modifications. There have been numerous complaints I have furnished with this agency about Wells Fargo and will continue to as long as Wells continues to perpetrate unlawful acts and fraud.

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 2017-04-05
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Discover Card Services : Being on a card assistance program that has not delivered on its promise since XX/XX/2016. Been reported late with the credit agencies, when I could be as was discussed back in XXXX and being charge late fees also that should not be there, all my progress in paying my debt was reversed and charge back to me. Any help, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report Equifax have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: NJ
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
The information listed below appears on my credit report but I did not make or approve of these transactions. 
NJ FEDERAL COURT-XXXX Docket # XXXX Not mine account. Please delete. 
US BKPT CT NJ XXXX Docket # XXXX Not mine account. Please delete. 
U.S. Bankruptcy Court Docket # XXXX Not mine account. Please delete. 
WELLS FARGO DEALER SVC.ACCT # XXXX Not mine account. Please delete. 
US BKPT CT NJ XXXX ACCT # XXXX Not mine account. Please delete. 
U.S. Bankruptcy Court acct # XXXX Not mine account. Please delete. 

The following accounts are not mind account. No knowledge account. 
It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/XXXX I have purchased an automotive part on XXXX from XXXX XXXX using my Mastercard. The part had a one year warranty for a part and 90 days for labor. The part has failed on XX/XX/XXXX and I had a repair done on XX/XX/XXXX with a new part purchased from a different vendor. 
I have contacted XXXX XXXX about getting a refund for the defective part however my communication was ignored. Subsequently I have contacted Citi Mastercard and the company refused to proceed with a dispute stating that the purchase was made over six months. 
1 ) Why is the Mastercard setting a six months limit for any dispute and does this limit complies with the Illinois state and federal laws?

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 2019-05-21
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX LN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX Short Sale was started with XXXX on XX/XX/19. On XX/XX/XXXX we called in and were told it was being assigned and we would be called back that day.

Now today, XX/XX/19, we are being told nothing has been done on this file and nothing will be done on this file. There is no SPOC assigned. XXXX is refusing to escalate this. Management is refusing to work on it. 

Aside from gross violation of their servicing guidelines, XXXX is at this point committing LOAN FRAUD, due to their acceptance of servicing funds without actually servicing the file. *******Additionally, this is a VA BORROWER. Apparently XXXX doesnt care about our military personnel. XXXX doesnt care it is in violation of Federal and State Laws. XXXX doesnt care it is in violation of their Servicing Guidelines. XXXX doesnt care about CFPB guidelines. 

Instead, XXXX is blaming this on XXXX/XXXX, claiming they are the subservicer and as such it is their responsibility, not XXXX, for this file. 

****we are having issues on EVERY SINGLE ONE OF OUR XXXX FILES. XXXX has no capacity to service the files for which they are being paid servicing fees. This needs to STOP IMMEDIATELY. 

I want this file opened immediately as a short sale. I want a SPOC and negotiator assigned. I want the documents we have submitted to be worked on.

Company response to consumer: Closed with explanation