BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-06
Company: Northstar Location Services, LLC
State: MO
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 had a lease with XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I purchased the vehicle from XXXX XXXX XXXX in XX/XX/XXXX. I received a bill from XXXX XXXX XXXX in XXXX/XXXX XXXX for personal property taxes paid for XXXX to XXXX XXXX XXXX in the amount of {$750.00}. 

I lived in XXXX XXXX XXXX in XXXX when I leased the vehicle and moved to XXXX XXXX XXXX in XX/XX/XXXX, which are different taxing authorities. I notified XXXX XXXX XXXX of the move and they accurately reflected my address in XXXX XXXX XXXX and sent me correspondence at the XXXX XXXX XXXX address for the remainder of XXXX and XXXX. Taxes were not payable to XXXX XXXX XXXX for XXXX as I did not reside in XXXX XXXX XXXX at anytime during XXXX. 

Upon receipt of the bill, I contacted XXXX XXXX XXXX and discussed the issue with them. At that time I was asked to send documentation of my move. I sent them the requested information, although they had been previously notified of the move. A couple months later I started receiving collection calls from Northstar. I contacted XXXX XXXX XXXX and they said they would pull the credit from Northstar and work with XXXX XXXX XXXX to obtain a refund of the taxes incorrectly paid. In XXXX/XXXX XXXX I started receiving calls again from Northstar. I called Northstar and they told me that my account had a {$0.00} balance. They began calling again within a couple weeks and I called them back and I explained to them the issues. At this time they notified me that they are reporting this matter to the credit bureau. I contacted XXXX XXXX XXXX again and they told me they have no record of an amount due. I have fully exhausted my efforts with XXXX XXXX XXXX and NorthStar and neither are able to assist me as they each tell me to the contact the other. 

My credit score is 820+ and I pay my bills. Northstar or XXXX XXXX XXXX is incorrectly reporting this issue and it is affecting my otherwise excellent credit score. This is not a bill I owe and it is XXXX XXXX XXXX responsibility to obtain the refund from XXXX XXXX XXXX. I was never late to XXXX XXXX XXXX in the 3 years that I leased the vehicle from them. I request that my credit reporting be immediately fixed and it properly show that I do not have an outstanding amount and that no payment was ever late. 

Attached is the Utility Service Request for utilities at XXXX XXXX, XXXX XXXX, XXXX XXXX, which is located in XXXX XXXX XXXX dated XX/XX/XXXX, the date I purchased/closed on the house. Also attached is the first page of the HUD dated XX/XX/XXXX showing I sold the house located at XXXX XXXX, XXXX XXXX, XXXX XXXX, which is located in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX  account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello : I have been working on my credit for several years and have a decent credit score, however, anytime I use more than 30 % of my credit card limit, Trans Union and XXXX  will instantly lower my score but they do not instantly raise my credit score when I payoff and/or pay down my credit cards. It typically takes 30-60 days to increase my credit score after I payoff or pay down my credit cards but the credit score decrease is instant. And the decrease can be anywhere from 5 to 10 points or more. I do not believe this is far and puts my credit at a disadvantage. If I want to apply for new credit I have to wait 30 to 60 days for my score to increase but again the decrease score is instant. I have been watching this as a pattern for the past 5 years. I am certain that I am not the only one that this is happening to. Why do they do it? If they can instantly lower a score, why can't they instantly raise a score? Why is there a delay for an improvement in credit? Who benefits from this? I can not say if XXXX  does this as I do not have a service, nor know of one, that I can monitor XXXX  daily.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-06-22
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Victim of identity theft company harassing me send letters moved from Louisiana 9 years ago FRAUD ACCOUNT

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 2017-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Wells fargo dealer services, fraudulent activity used to puchase vehicle,XX/XX/XXXX XXXX XXXX, fraudulent activity used to purchase vehicle.XX/XX/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 explanation
Consumer complaint received 2017-09-18
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage failed to send me a notice that my payment was due like they usually do and then charged me a late charge. 

On information and belief, they often fail to send the payment due notices in order to make additional fees on rush payment charges and late fees. 

Worse, XXXX different employees at Wells Fargo Home Mortgage told me they WOULD remove the late charge, but then on XXXX XXXX, XXXX they sent a letter saying they would not remove the late charge. 

This delay, obfuscation, and attempt to mislead a consumer was apparently done to confuse and make consumers lose their documentation regarding the issue.

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 2021-08-09
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received my statement from TD saying I owed them XXXX via email, I found it weird I owed them that much. Unfortunately, I was unable to see the entire statement. Me always trying to be a good person with my bills I paid the entire bill in fact I had overpaid in the amount of {$540.00}. When I received my statement in the mail, I realized that they had charged me for the transaction to XXXX that was originally declined and flagged as fraud, in which I had already called them and told them that I was trying to pay for tickets, and it was declined so I had to use my XXXX XXXX  credit card. The lady I spoke to told me not to worry since it was declined, I was not charged, in fact, that was not true I was charged, and I called back and on XX/XX/XXXX and started a dispute. Overall, these weeks, I have spoken with XXXX, XXXX, XXXX, XXXX twice, XXXX, XXXX, XXXX, and XXXX. They continue to say they have not received the documentation they need. Yet I have proof they were faxed twice and finally, I sent it to them with signature confirmation which an XXXX XXXX signed for it on XX/XX/XXXX. They continue to say it is not in their system. They have railroaded me for over 2 months now and they owe me {$500.00}. I had to go to my bank to fight them and even they are waiting for them to respond. There is never a supervisor available with them. At this point I want everyone to know about this. I am attaching a 30-page document showing proof of the overpayment the fact I used another card and proof they have received the documents they requested three times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated calls from Convergent Outsourcing telling us to call them at XXXX XXXX XXXX. This company is a scam artist known for trying to collect false debts. I refuse to answer and am tired of the repeated messages left on my answering machine.

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 2017-12-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
Reference Complaint # XXXX. 

XXXX has admitted their error. Why do they need an additional 60 days to correct my credit report when they have admitted their error, and after admitting the error, reported me late to the credit bureaus. 

XXXX is refusing to comply with the Fair Credit Reporting Act. They do not need 60 days to contact the 3 credit reporting agencies. A fax or an email takes 2 minutes. They are stalling, have poor business practices, and are refusing to comply with the Fair Credit Reporting Act. 

What are you going to do about this company?

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 2020-09-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm requesting written request to validate and verify this debt. During these times, money is stretched thin and nothing should be added to my report because I'm unable to pay at this time. There is a pandemic on-going and without any communication, this shouldn't have hit 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 explanation
Consumer complaint received 2020-02-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan Care failed to make XX/XX/XXXX-XX/XX/XXXX property tax payment for {$1000.00}. Im in the process of selling my home and escrow discovered that the payment was in default. I called on XX/XX/XXXX and spoke with a customer service rep that was working with another department to resolve. He said I would receive an email from them within 1-2 hours with a resolution. I never received the email. On XX/XX/XXXX, I called back in to resolve and they said they didnt have any record of another department working on it and that the burden of proof was on me. I explain that the tax information is public and there was obviously a discrepancy in what I was being told today vs yesterday. I asked for a supervisor and the supervisor hung up on me. Now, I have called back in to try and resolve for the 3rd time and have been place on hold without ever being able to get in touch with anyone. I believe its likely my account has a notation on it that when read they stop helping me. My concern is I have been paying into an impound account and they have not fulfilled their obligation to properly service my loan by making the appropriate payment to the county for property taxes. This is very concerning. When logged in online the history of the escrow account does not go back for me to research on my own. After looking at reviews online, I see many other customers experiencing the same thing without resolution. Considering that as a home owner we dont have a choice in our loan services especially if our lender sells the loan. We are forced to do business with an unethical company like loan care and there should be better oversight from the CFPB to prevent this from happening. I would normally say this is my fault for choosing to do business with them, but I dont have a choice.

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 2020-02-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RI received a notification in the mail XX/XX/20 regarding a debt collection that I have no idea who this is and where it's from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been sending documents from XX/XX/2018, to XXXX XXXX  for a loan modification or workout or some kind of help so that I would not lose my home. 
We sent at least 15 packages to XXXX, before they gave the loan servicing to Loan Care. 
Before XXXX gave the servicing to Loan care they pretended that I was approved for a loan modification. I waited and then Loan care came into the picture. 
WE sent the same documents to Loan care at least another ten times and now they have sent me a denial for a loan Modification : Reason - Max amount that can be modified by XXXX/LoanCare. 

I was never notified of any max amount for my loan to be modified.

I have been sending in documents continuously to save my home. 
If there was truly a max amount and my loan could not be modified because of it why was i not notified before? 
All of the workers gathering documents never once said a reason that I received in the denial letter. 
There are some very serious issues going on with XXXXLoan Care with the servicing of my home loan.

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 2020-09-02
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
hello, this people, freedom mortgage are overcharging me {$410.00} for a lapse insurace they say, ive been living in my property for 12 years been thru 3 banks and never had do deal with this kind of harrasment, these people are crooks, ive talked to them, messaged them even spoke to suppervisors.nothing, they say they will fix this and call back, they dissappear they dont care, the worst customer service in my life. 
it all started around XX/XX/2020 they send a letter asking for insurance, i contacted my condo assoc asked for the information on the policy and and had them send it to them apparentlly they dont accept that insurance but the worst thing about this is that everything they do is by letters, no emails no calls, that way the customer is the one that gets affected, so it happenend that they sent a letter around XXXX, wich we were on a PANDEMIC, i wasnt checking my mail or couldnt, that they didnt accept this insurance, by the time i was able to see their letter and tried to shop for insurance i couldnt, we were on a PANDEMIC. 
until XXXX when i was able to shop for new insurace and get underwrittes which took 2 weeks i send it to them, by the time theyre charging me {$410.00} can you belive this???? 
this company are crooks, they dont care at all, i need you to contact them and have this issue fixed, they can not just overcharge you {$410.00} for nothing, not only that {$410.00} a month is {$4900.00}, what kind of insurance is that?????????????? i was able to get a whole year of coverage for {$700.00}, can you belive this??? 
anyways ive been messaging them calling them and they dont care, at all please help me fix this issue.tks FREEDOM MORTGAGE HAS TO BE STOPPED!!!! DO NOT USE THEIR SERVICES AND LET ALL POTENTIAL CUSTOMERS KNOW WHAT THEIR GETTING INTO!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to the company and haven't received a response. The account they are reporting on my credit reports is inaccurate. There is NO balance owed to this company. The balance they are reporting is an error. The original creditor was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have attempted to reconcile my repossessed vehicle payoff with direct phone calls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and finally a consumer protection email on XX/XX/XXXX requesting to attempt to reconcile my defaulted car loan with Capital One. I have left voice mails stating my desire to try and get this taken care of. I am trying to do the right thing but they refuse to even try to help me get this done! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
When I make payments they are not processed properly so that it shows I am always late by a few dollars and New late fees are added. I pay those fees to just get rid of them and then next month there are new fees and they tell me the additional money paid was either put towards principle or in escrow by mistake. A mistake is once not over a time of 2 years. This is clearly a purposeful, illegal violation of my rights. I am stuck and do not know where to turn. They have wrecked my credit and no matter who I talk to it never gets resolved. Most recent, monthly bill was XXXX was told was late 2 months. I said pay what I need, they said XXXX. I said ok, then 10 min later on same call, oh you didnt owe that, you owed XXXX. I said just put the extra towards principle and then the regular amount will be due XXXX before the XXXX. I get the paper statement for the XXXX payment and its for XXXX with another XXXX in late fees and more bad credit reporting. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-09-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo sent me a letter telling me I met all the requirements to have the PMI taken off of my monthly payment and to give them a call. I gave them a call and the guy explained to me yes, and it is a program they have, and talked to me for about 15 minutes explaining all I have to do is have an appraisal done or something called a BPO, and I would save hundreds of dollars per month. He said I was wasting money with the PMI and I could be saving that money, instead of just throwing it away. I felt this was an answer to my prayers in the wake of the global pandemic of COVID that is happening right now. He said they would send me another letter explaining about the BPO and the appraisal. I waited for a little over a week for the letter that was supposed to help me. The second letter I received said something total different and to pay over {$6700.00} to have it removed. I called them to speak to someone to see what was going on, and the lady said, oh the man told you wrong information, and we have to do an investigation, but you can not get it removed without paying us the money there. They lied to me, very deceptive practices.

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