BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington mortgage began servicing my mortgage in XXXX Since then they have done everything in their power to take possession of my home something I worked so hard to acquire I have a loan modification that started in XXXX from XXXX XXXX XXXXXXXX. XXXX XXXX dollars was set aside to be paid in XXXX but Carrington mortgage denied my loan modification In XX/XX/XXXX even though I was current on my mortgage payments they filed foreclosure paperwork The check that I sent them for XXXX was returned after 2 weeks They received the check on XX/XX/XXXX They forced me into foreclosure I had to hire an attorney who promised me that I would have my day in court That day never came XXXX I was infected with XXXX XXXX twice I was in the process of doing a Flex Modification with XXXX XXXX XXXX when I received a Sheriff sale notice Since then they want to add XXXX to my mortgage balance They said I havent made any payments The mortgage amount increases every month My taxes or Insurance have not increased They are not applying my payments They are charging the amount due after I make a payment I pay with customer service I have not made any partial payments I have had this home since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: HI
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 sent a my Dispute letter dated XX/XX/2020 to all 3 Credit Bureaus! 

XXXX, XXXX  & Experian ( Please see attached Documents ) I received my XXXX  Credit File : XX/XX/2020 Confirmation # XXXX - The Results of Our Reinvestigation stated that XXXX XXXX XXXX, Account # XXXX The results are : this item has been deleted from the credit file. 

( Please see attached Documents ) However, this account is still showing on the other 2 Credit Bureaus EXPERIAN & 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 2023-01-19
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2018-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt in the amount of {$500.00} for a XXXX XXXX Credit Card. I was contacted by Portfolio Recovery Associates and I agreed to pay amount owed if {$500.00}. I completed the transaction via my on bill pay. Payment was completed on XX/XX/18. I was contacted by their collections agent again days later saying I still owed that amount. I explained them to how I made payment and provide the transaction ID and trace number confirmed by XXXX XXXX. Over the past 5 days they have contacted me and demanding me to pay them until they complete their research. They insist that I just " Pay me and then it will be done for sure ''. I asked to speak with a manager and I spoke with XXXX XXXX ( XXXX ) and then XXXX XXXX ( XXXX ). I provided the document from my bank again showing proof of payment. XXXX informed that this document wouldn't matter even tho my bank confirmed this is proof of payment. XXXX gave me two different email address when I asked for and when she did get the email on ( confirmed delivery and receipt ) she read my account number and confirmed it was the same on payment form. I have called to try to resolve but, they give me the run around. I paid the debt, I have confirmation of payment but, no honest results from them or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 HAVE PAID XXXX XXXX IN FULL FOR MY ACCOUNT YET THEY CONTINUE TO REPORT INACCURATE INFORMATON TO THE CREDIT REPORTING SERVICE, TRANSUNION, XXXX, AND XXXX. ALSO, THE CREDIR REPORTING AGENCY WITH EVIDENCE OF PAYMENT OF THIS ACCOUNT REFUSE TO CORRECT MY RECORDS. 

THIS HAS LED TO MY ACCOUNT BEING ERRONOUSLY AND MALICOUSLY BEING UPDATED AS DID NOT PAY AND BALANCE PENDING.. THIS IS DEFAMATION TO MY CREDIT SCORE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received an email from Wells Fargo that lender-placed insurance on my home was renewed. The cost of their insurance is almost {$1700.00} a year, which would be in addition to the homeowner insurance I have on my home with XXXX ( which is less than {$1000.00} ). Their email notes that Wells Fargo adds the cost of their insurance to our mortgage payment. I am our home 's title owner and have third-party authorization for the mortgage, which I have paid since XXXX. 

I had submitted the required Proof of Insurance to Wells Fargo 's online service at mycoveredinfo.com and the return email stated that they were unable to proceed and that I would need to resubmit the documentation. The contact phone number on their website turned out to be an automated line for making payments or checking status, with no option to speak to a person. 

Today I contacted my insurance provider, XXXX, who assured me that my home has been insured through them continuously since XXXX of XXXX. I don't want to pay this additional amount on our mortgage for expensive, lesser insurance since my home is already fully covered under the policy I chose. The XXXX representative reached out to Wells Fargo while I was on the phone, asking what format they would like to see the documentation in and to clarify the XXXX address, in case they got it wrong. The Wells Fargo representative acknowledged that our home is covered, yet would not speak to the public as it was not a customer line. It is still unclear what the problem is.

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 2018-07-16
Company: Debt Recovery Solutions, LLC
State: KS
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:
Today, I checked my Credit Report through " XXXX Credit Scorecard. '' My score shows me receiving a score of XXXX. When I click on " What's Hurting '' my score, it shows that there is a " Presence of derogatory public record or collection. '' Without seeing exactly what that is ... I am pretty sure it was from a company called " Debt Recovery Solutions '' in which I was contacted several years ago on an alleged payment I refused to pay. After dealing with this for two years, the company finally sent me a letter stating, " our office has contacted the major credit reporting agencies and has instructed them to delete any update we have placed on your credit profile. Please accept our apology for this clerical error. If you have any further concerns, please feel free to contact the undersigned directly. '' The Credit Report says that a " paid collection will remain on your credit report for 7-10 years. '' Since there was a mistake made on " Debt Recovery Solutions , LLC ''  and that was later confirmed, why does it still show up on my Credit Report? Could you please help me resolve this as soon as possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was initially legitimate. Debt was paid in XX/XX/2014 to law firm collecting on behalf of debtor, XXXX XXXX XXXX. I don't know what XXXX XXXX XXXX did with the money, or was it misapplied, but now 4 years later I am being repeatedly contacted by Glasser and Glasser, law firm, for same debt. I have disputed, and XXXX XXXX simply sends me evidence of original debt. I had 2 judgments, both were paid in one lump sum to XXXX XXXX XXXX for the benefit of 2 XXXX XXXX accounts. My money was processed by conversation with XXXX XXXX of XXXX XXXX XXXX in XX/XX/2014, at XXXX, to cover both accounts in full. I appreciate your assistance in getting to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 is my second complaint against the credit bureaus. Now they are asking for proof of who I am so I am sending it. I feel they are stalling and trying to by time I have attached my lease agreement and SSN card that should be proof enough.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA 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 2021-06-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint on cfpb and shellpoint mtg fixed the problems correctly as I asked. 6 or 7 months later they reversed the fixes. XXXX is the original complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As mentioned to Discover, I did not open an account with this company. It may have been a result of someone using my personal information. Discover has not produced any physical documentation after various requests. They do not have a copy of any contract that I, myself, have signed or even have a copy of the ID used to open the account. Anyone who may have had access to my personal information may have opened this account. My request for a reasonable investigation has yielded nothing more than the " XXXX '' " verification method, which has done nothing but match information already recorded. Discover HAS NOT investigated who may have actually opened this account, by sending me a copy of the contract and/or ID used to open it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2018-10-19
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 have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting 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 explanation
Consumer complaint received 2018-07-16
Company: GreenSky, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Green Sky was the chosen financing for XXXX XXXX XXXX XXXX XXXX XXXX. We spent {$6000.00} on financing with them. When I set up the account on line the website would only allow me to pay {$120.00} in finance charges due. The web site would not allow me to increase the amount, there was no link to allow that. I called XXXX several times to change the amount of my monthly payment and was told by the recording that there were 33 calls ahead of mine. However, within less than 4 minutes there was a representative on the line. My " interest free '' promotion period was over on XX/XX/2018 and received to e-mail notification that it was coming due. The statement I received was going to charge me {$1300.00} in finance charges because I did not pay it off by XX/XX/2018. When I called to pay the debt off with the finance charges totaled {$6200.00}. I was told that because I called 4 days late that they would make my day by allowing me to pay off the debt without paying the interest rate of 23.99 % .Every time I attempted to make a payment I had to call in ( at customer # 33 in the line ) in order to reset my password so that I could make a payment. 
I am grateful that I have the ability to pay this off. There were numerous complaints that really concern me that they are taking the consumer for a ride and putting them at risk because of their unfair payment practices and stalling techniques. 
DO NO CONSUMER HARM. They are creating hardship for many consumer by these unfair practices. 
Stop charging past due fees for your unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: JPMORGAN CHASE & CO.
State: CA
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:
Fraud occurred on my Chase credit card on XX/XX/2018 at the XXXX XXXX XXXX in XXXX XXXX XXXX, Florida for {$250.00}. The SAME DAY and the days before and after the charge, all my charges ( there were many! ) showed that I was in XXXX XXXX and the XXXX California area at the time ( where I live! ), more than 3k miles away!!!! I have never been to XXXX XXXX XXXX or the XXXX area in my entire life! could never have been at this spa. The spa doesn't even appear to be open : XXXX XXXX XXXX  Please help me get reimbursed for this charge. I reported it immediately to Chase and even got a new card when I reported the fraud so no more fraudulent charges could be made. And despite continuing to dispute the charge, Chase is still making me pay for the fraudulent charge. I have even filed a police report. What else can I do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please See Attached Files... .I have made numerous dispute attempts with Equifax to rectify a public record reporting inaccurately. In previous dispute attempts I provided documented proof of this public record being removed from other credit bureaus. Also, in addition Equifax has claimed to have been provided the public record information from a 3rd party ( which is illegal ) and furnished it on my credit report without my consent. I have attached a copy of my suppression confirmation from XXXX so I question the validity of Equifax 's verification of this public record being reported to my credit report. ( I have provided confirmation of said suppression from XXXX in attached file ) I have made reinvestigation requests to Equifax, which they have not honored, I have requested documentation of proof that this account belongs to me, which they have not provided. This, and many other unlawful practices made by Equifax, is in clear violation of my consumer rights under the FCRA under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b. I ask that this bankruptcy be removed from my consumer report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: DE
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:
UNAUTHORIZED INQUIRY ON MY CREDIT FILE FROM THE BELOW LISTED XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 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 explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX is reporting false information on my credit report called them and let know they refuse to deal with it is keeping me from getting a home because of the car 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 explanation
Consumer complaint received 2021-06-09
Company: National Credit Systems,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: Problem with personal statement of dispute

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Are you the owner of the original debt?

Company response to consumer: Closed with explanation