BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY MORTGAGE COMPANY LOANCARE IS CONTINUING TO TAKE MONIES FROM ME I DO NOT OWE. IN XX/XX/XXXX MY HOMEOWNERS INSURANCE WAS DUE. MY INSURANCE COMPANY PEOPLES TRUST WAS PROPOSING TO CHARGE ME {$2800.00} FOR INSURANCE. I MADE ARRANGEMENTS WITH MY MORTGAGE COMPANY TO LET ME PAY A MONTHLY AMOUNT UNTIL THE INSURANCE INCREASE AMOUNT WAS PAID. THE AMOUNT WOULD BE {$20.00} MONTHLY. AFTER I CONTACTED MY INSURANCE AND AFTER MY HOME WAS INSPECTED THE INCREASE DID NOT TAKE PLACE. MY INSURANCE DECREASED TO {$2100.00} FOR THE YEAR. MY MORTGAGE COMPANY CONTINUES BILLING ME FOR THE {$20.00} UP TO KNOW. I HAVE CALLED SEVERAL TIMES. I FILED A XXXX COMPLAINT ON XX/XX/XXXX .I WAS CALLED ONCE SINCE THEN I WAS TOLD MY ACCOUNT WAS BEING LOOKED INTO. I KEEP CALLING LOANCARE .NO ANSWER THE MESSAGE IS LONG WAIT TIMES TO GO TO THE WEBSITE. I HAVE NOT BEEN ABLE TO GET INTO THE ONLINE ACCOUNT SINCE XX/XX/XXXX WHEN THEY BECAME MY MORTGAGE COMPANY. I CANT SEE WHAT I OWE ON THE HOUSE .I CANT SEE MY PAYMENTS TO MATCH WITH MY BANK STATEMENTS. I WANT MY ACCOUNT UPDATED .I WANT TO BE ALE TO GET INTO THE ONLINE SERVICES. I WANT MY MORTGAGE AMOUNT CORRECTED. PLEASE ANY HELP YOU CAN PROVIDE WILL BE GREATLY APPRECIATED. 

THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Barclay I'm filing a complaint on your company for violation of the FCRA ACT I started disputing my two Barclays credit card account with the credit reporting agencies back in XX/XX/XXXX and they keep saying that you keep responding saying that the information is reporting as correct. However this information is reporting incorrect on my credit report I have got fired from my job because of credit reporting violations unable to Obtain a good Job due to company like you reporting false information. then you expect people to pay you on time it's very hard when creditors are reporting negative and false information about the consumer I have been telling the reporting agencies that the account numbers were not matching up and again they kept saying that Barclay states its reporting as correct in order for me to prove my point about 3 Weeks ago I sent to your company 2 money order about a month ago for payment on my XXXX XXXX XXXX and My XXXX XXXX mastercard I sent in the money orders with no name no address Just the account numbers that you are reporting on my credit file and the money order never did get cashed because those are not my account Numbers What's showing on my credit file is XXXX and XXXX those are not my account Numbers! again I have been disputing these with the reporting and agencies about 15 times per account its a lot of work writing letters and getting them in mail to these company. Barclaycard you have violated my rights and cost me my job also you are in are violation of the FCRA. I'm asking you to please delete these 2 accounts  from each of the credit reporting agencies immediately for the violations There is no law that states that you have to report information. But since you have violated my rights under the FCRA I DEMAND These accounts to be remove ASAP or I will take legal action. you and I have an agreement for payment each month and I will carry those payment agreements until my accounts are paid in Full But It's hard when Negative items is keeping you from getting a job to pay. I look forward for your response also XXXX  is reporting that XXXX ACCOUNT IS A CHARGE OFF I HAVENT Received any noticed from your company about a charge off This far which is another violation of the FCRA.. I have enclosed a file from your company dated XX/XX/XXXX on You clearly stated my two account numbers ending in XXXX and XXXX but my credit report is showing different account number per the FCRA accounts must report 100 % percent accurate or the account must be delete and again that's what I'm asking you to do in this case! I also attached the account numbers that reporting on File 3

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 2018-10-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I applied for loan to refinance my home. I wanted to pull a small amount out and do repairs on my home built in XXXX. Got thru the process until it came time for OCWEN to provide pay off. I was told at that time that the pay off would not be the actual payoff, that I needed to pay OCWEN 25 % of equity the house accrued since my XXXX. Modification. The housing market at that time priced the home at about {$320.00}. OCWEN Wanted me to pay for an appraisal because they felt the house was worth about XXXX. I wouldve had to take out an additional XXXX {$60000.00} to pay them off which I could not afford. So they would not give the mortgage company a pay off and I was stuck. XXXX provided me with a copy of the loan and he did state I have to pay 25 % back. Although I cant imagine I wouldve agreed to pay 25 % of the equity in my home upon selling refinancing or giving it away and or giving inheritance. No lawn company will touch my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Dear Sir/Mam submit by XXXX XXXX for  XXXX XXXX XXXX VIN # XXXX Account with lender # XXXX against /Stander Consumer USA My name is XXXX XXXX I purchase my XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX . the dealer register my car at the sate of XXXX. I moved from XXXX on same month XX/XX/XXXX Because the Covid 19 Which cause losing my job there to sate of XXXX. Now I live in XXXX XXXX since XX/XX/XXXX. I tried to call and contact my lender Stander Consumer USA, to change my XXXX  title to state of XXXX. and After i checked with the XXXX  DMV I faxed and mailed to Stander consumer the form request from XXXX  DMV requesting the lender to send the original title to XXXX  DMV mailing address to start the transfer process. I did the previous action on XX/XX/XXXX. And at each time i get hard time with my lender Stander Consumer USA to help at my request. I now almost keep calling them every week to follow up but I could not find any help on my concern to transfer my car title to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This has been happening since i was a child, someone using my information. My parents filed for me and i filed id theft reports in XXXX, XXXX and XXXX you are requesting documents that were sent years ago to XXXX and XXXX Bank, XXXX XXXX XXXX and others here is the latest. 
You are requesting documents that were sent years ago and before you acquired this case. 

This letter serves as notice to you and your company to immediately cease and desist all contact and communication with me AGAIN regarding the collection of an alleged debt and all related matters. Unless you have absolute proof and not printouts of BILLS as proof. 
a telephone call a letter an email numerous telephone calls and messages in one day numerous calls on the home, cell and work phone You claim that I owe debt. I do not owe this debt, and I dispute this claim. ) Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, I demand that you and your company terminate all further contact with me including but not limited to communication via telephone, mail correspondence, electronic mail, or facsimile. Your actions to collect debt from me are : embarrassing - harassing - aggressive - deceitful - threatening causing emotional and physical duress causing undue stress. 
If you continue to contact me other than to notify me that you are ending communication or that you are taking other legal action to collect the debt, I will be forced to take legal action against you for violation of the Fair Debt Collection Practices Act and will seek all available damages and remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Prime Choice Funding Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, a representative from Prime Choice Funding sent an email asking for " documents '' to obtain mortgage rates in order to refinance my current loan. I forwarded documents such as Pay stubs, W-2 's, and current mortgage statement, however, I did not sign or send an authorization or consent to run mine or my wife 's credit report. 
On XX/XX/XXXX, this representative sent an email with both my wife and my credit scores, which he obtained from the credit bureau. I was outraged and furious that my credit was obtained without the express written consent of myself, or my wife. 
This was a blatant disregard for my personal information, and illegal as I did NOT give consent. This representative stated in an email that since I gave my DOB, that was the same as consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2018 We placed a freeze on our XXXX and XXXX account. On that same day we sent a certified letter to all three Credit Bureaus, asking that they delete the incorrect Bankruptcy information. We received dispute outcomes from all three Bureaus stating that they confirmed the information that they are reporting ( see PDF ). The Bankruptcy Court does not directly report to Credit Bureaus, and both XXXX and XXXX are not allowed to confirm any information when they are placed under a freeze. Therefore we request that the incorrect Bankruptcy be deleted from my Credit Report, as we previously asked all three Credit Bureaus to do via certified mail. Thank you in advance for your assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 a XXXX payment was debited from my checking account for a total amount of {$150.00} ID # XXXX. The payment was returned and a fee of {$35.00} was charged for the return of posted check fee based on my online banking. A few days later on XX/XX/2020 the same payment was retried. The charge shows as " Retry Pymnt '' and uses the same ID # for the payment " XXXX '' and another NSF fee of {$35.00} was charged. I was charged for more than one NSF fee charged to a single transaction that was processed more than once.

I feel that this is bad practice, and does not fall within the rules of the bank that an NSF fee can only be charged " per item ''. In my case i was charged more than one NSF for the same item. Please see attachment. 

My bank digged me into a deeper financial hole by attempting to retry the payment and theres not enough money in my account, instigating the bank to reject the charge. When I tried to make a complaint with the bank I was advised that there was no charge that i could dispute even though the service agreements lacks this practice.

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 2020-07-04
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection was placed in XX/XX/2019 .. it was an ex boyfriend 's account apparently that I had not been involved with in over 3 years.. I had been married to another man for 2 years ... It is not my account.. I never signed, agreed with, not had any knowledge of this account. I filed a dispute and they changed it from being my account to me being cosigner .. I have contacted them and requested verification or signed document, my photo ID, anything, they can provide nothing because it is not my debt .. I did not have any knowledge of it .. it is illegally listed on my credit bureau in violation of fcra

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$5000.00} XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$5100.00} XXXX  XXXX {$230.00}

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 2018-03-05
Company: Comerica
State: WY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I got cheated by on online seller who sells computer virus protection I contacted direct express they said we will help you get your money and if not we will refund you your money after investigation they said they are not able to get the money from the business nor will they help with the refund all they say is we are sorry you got scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I hope this email finds you in the best of health. My name is XXXX XXXX and the reason you are receiving this email is because of a dispute on how Santander Consumer USA is reporting a collection debt to XXXX, Acc # XXXX, {$16000.00}. 

This debt amount is inaccurate. The correct amount owed was {$2800.00}, Acc # XXXX which was settled and paid with Santander Consumer USA on XX/XX/2020. 

Santander Consumer USA already reported the correct amount with XXXX, but they are reporting it incorrectly with XXXX. 

As such, I would like this information to be reflected correctly and updated with XXXX and or removed from XXXX  because of the inaccurate reporting. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contract Callers Inc used fake verification after I asked them to validate the dept this collection is not mine and I want them remove from my credit report on the bill statement they sent XXXX has the total due date XX/XX/2018 but on my credit report it says that this account with contract callers was open a year ago. The dates do not match up and also has the wrong address on it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ERC is still trying to collect a debt that was included in the bankruptcy. I also was a victim of identity theft. I filed a report with the federal trade commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I purchased my home with XXXX XXXX Mortgage in XX/XX/XXXX. After living in my home for 1-1/2 year, I received a call from Quicken Loans offering me their service with regards to refinancing at a lower rate. I agreed and the closing took place in XX/XX/XXXX. My mortgage payment went from {$1100.00} toXXXX and I was very pleased. Nevertheless, in XX/XX/XXXX I receive a letter from the XXXX XXXX Tax office requesting payment for my XXXX taxes, all this time I thought Quicken Loan/Rocket Mortgage had handled the monetary part of the contract. My understanding was that the mortgage payment covered the principal, homeowner insurance, taxes and the escrow account, etc. Quicken Loans/Rocket Mortgage paid {$260000.00} ( incurred late fees ), original amount was {$2500.00} had it been paid on XX/XX/XXXX. 

After my above explanation, here comes the disturbing ( scary ) part : I received a Annual Escrow Account Disclosure Statement dated XX/XX/XXXX, with an increase to my mortgage of {$480.00} beginning XX/XX/XXXX. Supposedly I did not have enough money in my escrow account. Why now? I have always had funds in my escrow with XXXX XXXX Loans. I have had four other homes and never did I encounter any problems with my escrow accounts. I called Quicken Loans/Rocket Mortgage about their letter and the woman I spoke to could not explain what happened, but did ask if she could transfer me to the loan dept. to request a $ XXXX loan to have it deposited into my escrow account. I declined and told her I did not need another bill and asked that she have someone call me, no one ever called. Now from XX/XX/XXXX to XX/XX/XXXX my mortgage will be {$1500.00}, afterwards it will be {$1200.00}. This is outrageous, I do not have this money and never in my right mind could I have imagined this happening to me. I am speechless and confused ; I find it to be totally incomprehensible and unfair. Please, I need your help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Experian Information Solutions Inc.
State: FL
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:
I am being charged XXXX times a month {$24.00} for credit monitoring and I can not get thru to the company to fix incorrect charges

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 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In JXX/XX/2020 i payed off the largest loan on my credit, XXXX or so dollars via the collection agency that had been hounding me relentlessly for XXXX ( XXXX XXXX XXXX  ) and i negotiated that i would pay the entirety at once in return for the account being wiped off my credit within 2 reporting dates and even though i held up my end of the bargain and was told 10 days later it would be reported i have seen nothing after 2 months. i can provide the email conversation with the representative and the receipt of debts paid

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 2018-03-05
Company: CHECK INTO CASH 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:
Noticed 2 hard inquiries on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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 just recently spoke to a fraud representative at XXXX XXXX regarding this account that is re-appearing on my Experian Credit Report after being first removed from my Experian Credit Report back in 2017 by the name of XXXX. I informed XXXX that their company is re-reporting back on my credit report after being removed back in XXXX, 2017. XXXX asked me for my personal information. After giving him my personal information, XXXX was able to confirm that my information is mixed with someone else. He informed me that my name is a very common name and that could be the reason why its reporting on my credit report incorrectly. 
I am also including in my attachment that original ID Theft Police Report dated back in XXXX, 2017, which is when this account was originally deleted. 
Below is the fraudulent/mixed account that I would like to have permanently deleted : 1. XXXX XXXX XXXX - Account number - 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