BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan through Loan Care. This company keeps returning my payments no matter how I have tried to pay them. I have several returned payments in my possession that need to be applied to my account but Loan Care keeps returning them to me. I have even had my bank try and submit payments for me and they keep getting the wires and payments returned as well. I am being told that it is not the full payment this is why they are returning so I have sent a copy of the Illinois Law 205 ILCS 635/5-8.5 stating that even if a person is behind on their mortgage the loan company still is required to take payments as long as there is a full month of payments trying to be submitted. I currently have 4 full monthly payments in my possession with another being ready to have as well that I can not get this company to take. I am getting no assistance from them when i call their number and when they call me it is just a recording stating to call them. I have reached out to my state representative who is also been trying to assist me with this problem per direction from my bank. I dont know what I am to do and this problem is just getting worse as time goes on. They are sending people to my home to several times a week to confirm it isnt vacant and charging me fees each time. The lady reported I am there and have been cooperative with here and they insisted she post an abandoned notice on my door. She advised me as well to reach out to someone as well because she didnt understand why she was still being instructed to do all these things. I need help since this company is clearly doing things that they are not suppose to be doing to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: MARINER FINANCE, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan a few years ago, I paid on the loan as agreed, then I stopped paying due to financial problems. Then the creditor took me to court and got a judgement. Then their attorney and I worked out a payment plan and I have paid on that for 2 years and in the mean time while I was paying I got a call from the creditor and I told them I worked out a deal with their attorney and I called their attorney and told him of their phone call. He said he would call them and tell them not to call me anymore. Then I continued paying as agreed then I stopped paying again because I lost my job and no income nor unemployment insurance. Then the attorney called me asked what happened? I told him of the job loss and he agreed to take the funds in arrears when I started my new job this week. Then today I got another phone call from the creditor. I told them to stop calling me because they are in violation of the FDCPA ( 2 entities coming after me wanting the same debt paid, the attorney and the creditor ). I called the attorneys office and told them I got another phone call from the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Co-Operative Adjustment Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is fraudulent and needs to be off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I sent a letter with a copy of my social security card, utility bill, and photo id to update my personal information to only include my current information and to delete the other information reported by the credit agency on my credit file. No updates have been made as of XX/XX/2018.

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 2020-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a dispute letter to Capital One Bank, XXXX and XXXX  credit bureaus regarding a collection/charge-off that was opened in XXXX. There are 4 inaccuracies on this report. It is well over 30 days and the 4 inaccuracies are still on my account and it still hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: BARCLAYS BANK DELAWARE
State: TX
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 purchased a laptop from XXXX on XXXX XX/XX/2020. The laptop arrived on XXXX XX/XX/2020. After trying the product, I initiated a return within the 30 days as stated on their return policy. The return was initiated on XXXX XX/XX/2020. The laptop was sent back and they received it on XXXX XX/XX/2020. They sent an email saying that the money would be sent back to my credit card, and would show after 5 days. I'm still waiting for the money. I spent three hours on hold to their customer service line before they hung up on me. I've sent them around 100 emails, each time they reply that it is the bank 's problem. 

I contact my bank, Barclays, to file a dispute. They said to post them documentation. I posted it, using USPS   next day delivery. But the bank claims that they did not receive the documentation and closed the case. I'm still waiting for my refund, which is for the amount XXXX. Please help.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 received a letter from XXXX XXXX services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from XXXX XXXX XXXX. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying XXXX XXXX XXXX, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted XXXX   XXXX and they denied removing from my credit report. I disputed the item with XXXX  and trans union and submitted the supporting documentation. They refused to remove it based on what XXXX XXXX stated vs the proof that I was refunded the amount i paid them proving I did not owe them money

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 2020-05-14
Company: EQUIFAX, INC.
State: TX
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am passed trying to get a response from Wells Fargo that is accurate. I am reporting this negligent and irresponsible behavior by Wells Fargo in the deceiptful manner in which they serviced our HELOC which began with XXXX. I discovered that my HELOC account statement was nothing like the HELOC account statements for other HELOC. My account statements haven't changed since 2011 and seriously doubt they meet compliance regulations. I've been mistreated and denied the same privileges and services that should be available to all. I can not imagine the fall out, but I expect Wells Fargo to be held accountable. Deception continues by this bank and what an embarrassment to many. Being manipulated by Wells Fargo is not a good feeling and those that police this business and their practices failed. I would hope this warrants your attention.

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 2018-07-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both Equifax and XXXX have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX. and the Account with XXXX is not mine. 

I spent hours initiating dispute with Equifax online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: Midwest Recovery Systems
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
they have called threatened harassed, had some guy call me and my wifes phone threatened, told us not to sue or we will lose. i sent them a letter of validation of debt no response in proof that i owe alleged debt. they just threatened and harassed more

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX my Equifax Credit Score was lowed by 41 points with n0 inquiries no info at all new reported to cause this. Equifax does not have an answer to that so my 41 points should be reinstated. I also opened a Revolving line of Credit for XXXX with an opening balance of {$67.00} on XX/XX/XXXX. This has reported to XXXX as well as XXXX but Equifax can not seem to find the file. I HAVE THAT FILE and the Company received confirmation it was received on XX/XX/XXXX. There was no reason for my Equifax ONLY credit score to lower by 41 points over night. They also have not updated records that were sent to them previously. This has caused me to lose my possible Mort age for a Home. They can not tell me why it was lowered by 41 points  when the other 2 credit Bureaus have updated with no issues. I was a victum of Identity theft with the EquifacxData breech and they are doing it to me again now. This has caused irreversible damage in 1 day. I merely would like an explanation to give to my Lender as to why it fropped and my % XXXX Revolving line of credit is not showing at all. I would like this updated and I would like an explanation as to why my Equifax score dropped on XX/XX/XXXX over night. No one can seem to tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a 2-flat. However, it was not a legal-two flat and I was unable to rent the second unit. As a result my income dropped and I fell behind on my mortgage. I have adjusted my expenses and I am able to afford a reasonable payment however I have been declined for a loan modification. I have filed a Chapter XXXX   bankruptcy which eliminated all other debt which strengthened my financial condition. 

Also, it appears that the value used to calculate the NPV is incorrect. I am being evaluated as a 2-unit and I am not a two-unit. Also, I am compared to brick properties and my home is frame. 

I would like to make sure that I am fully considered considering may unique circumstance and the fact that I do receive income and can make a payment on my mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems has been reporting a collection account with their company on all three of my credit report since 2018. The original creditor is XXXX XXXX XXXX. I have never leaves in this apartment complex nor ever signed a lease to lease an apartment from them. I have on numerous occasions disputed this said account with the collection agency and the three bureaus to no avail. I want this collection removed from my credit reports and them held accountable for their erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: ERC
State: IN
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 received a letter from Enhanced Recovery services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from enhanced recovery services. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying enhanced recovery services, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted enhanced recovery and they denied removing from my credit report. I disputed the item with XXXX  and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what enhanced recovery stated vs the proof that I was refunded the amount i paid them proving I did not owe them money

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  and XXXX  XXXX XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit profile for others to see. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  and XXXX  XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.

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 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry fromXX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXXXXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXXXXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies

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 2022-10-04
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have been sending disputes to Equifax in the mail for over 6 months. In these 6 months I have not received one response back regarding my disputes. I also sent requests for debt validation ( per FDCPA ) to XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX and they did not respond with the documents that they were supposed to provide. XXXX and XXXX removed the incorrect information from my credit reports but, Equifax refuses to even complete a dispute and sent me one letter back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly a balance of {$6800.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. XXXX and XXXX are reporting correctly. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the bureau to fix this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
Chase account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
XXXX XXXX account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. XXXX account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?

Company response to consumer: Closed with explanation