BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was bought from one bank to another. The amount on mortgage balance does not match up with the amortization schedule. We should owe around XXXX and they are saying XXXX. 

They also told us that a loan modification was mandatory because they require to have a escrow account. They told us that nothing would change not the rate not the term and not the amount. 

We have made every payment. They are saying we have never made a payment to this new loan mod which is correct but we still pay to the original loan. 

I only have 10yrs on my original loan but this modification added 30 yrs with a total of 40 yrs until loan matures I also had damage in the hurricane Irma. I have lost my roofer because they would not release any funds to pay roofer. The roof project has to start over because of materials in the sun for 2years that are not supposed to be exposed. 


The only way I found out about this is they filed a foreclosure suit. I also have a Leon from the roofer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this 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 2021-03-25
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the close of escrow, on XX/XX/XXXX, Dovenmuehle Mortgage , Inc. received an initial escrow payment of {$10.00}, XXXX for property taxes due on XXXX XXXX XXXX, XXXX, TX XXXX. In early XXXX of XXXX, we received a property tax bill in the amount of {$9700.00}. I immediately contacted Dovenmuehle and was told that they would take care of it. However, on Friday, XX/XX/XXXX, we received a penalty bill, in the amount of {$10.00}, XXXX, which includes {$870.00} in penalties. I contacted Dovenmuehle on XX/XX/XXXX, and was told to email the tax department, which I did. I did not get a response or an acknowledgment, however, so called again on XX/XX/XXXX, and spoke with a supervisor named " XXXX '', who said she'd look into it and get back to me. Having heard nothing for several days, I called again and spoke to another supervisor, named " XXXX. '' On XX/XX/XXXX, I received an email from a " Resolution Specialist '' named XXXX XXXX, who said she'd " initiated research into this issue '' and would contact me by XX/XX/XXXX, with an update and/or resolution. I have not heard from her again, although today is XX/XX/XXXX, and I called and emailed her twice today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
4.5 year ago i live in XXXX, and I move to XXXX, I contact XXXX XXXX to cancel the contract, they send me a prepaid box to send the equipment, I received 1 box and send all the equipment together, 2 weeks later i revived other pre-paid box, but i send all in only one box 2 week before, they never tell me to send in different boxes, they star charge me for the " lost equipment '', i tell does people i sending together, they don't believed and star calling me, and they put in my credit report in XXXX dispute # 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 2020-07-06
Company: Experian Information Solutions Inc.
State: IL
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-02-05
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Merchants and Medical is attempting to collect a debt that I do not owe. They have sent fraudulent collection notices demanding payment for a negotiated and settled medical debt. I believe this erroneous debt has also been placed on my credit report, which, if true, will cause me irreparable harm. 

Reference numbers # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I mailed a dispute letter to Wells Fargo Dealer Services explaining my balance was being incorrectly reported to the credit bureaus. I also explained that I ended the deferment in XXXX and have been paying the loan each month. 
However, Wells Fargo Dealer services corrected my balance but failed to correct the deferment status. 
My account with them still shows I made my last car loan payment in XX/XX/2020. This is being reported as No Data Available on my credit report with all 3 credit bureaus. This is incorrect.

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 2018-02-12
Company: Receivables Management Partners, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to my doctor 's office ( XXXX XXXX XXXX XXXX ) in XX/XX/2017. I received a bill from them in XX/XX/XXXX for my {$30.00} copay and paid the amount. 

They referred the account to collections at RMP, LLC ( Receivables Management Partners ) where they agree the debt has ben paid but that I owe a {$7.00} " collection fee '' They stated they mailed me a statement showing that the XXXX is owed but I did not receive this. 

I attempted to make another appointment with XXXX XXXX XXXX XXXX and they advised they would not see me until I paid the amount outstanding. I called RMP and spoke to a XXXX XXXX, advising I wanted a bill mailed to me showing the amount that was due and for what reason. He refused to send me a bill, stated I owed they money and needed to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions 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:
Sent Inquiry removal letter to Experian after trying to contact creditors to no avail. as Experian told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Experians customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing these

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 2023-01-23
Company: Experian Information Solutions Inc.
State: NV
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled : 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 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 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Im asking if you guys can reopen my XXXX  or send me my new one my XXXX   money is in their its been more than 3 months thats been closed but still certify my benefits or can I transfer my money to my personal 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 2021-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SENT 609 LETTERS AND A DEMAND TO COMPLY TO ALL THREE AND THEY HAVE NOT RESPONSE. THE ITEMS YET

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Good Morning, On XX/XX/XXXX I was trying to login to my bank of American acct, I couldn't log in so I left to the gym and I didn't put attention next morning I got a notification the I was low on my acct so I try to log in I couldn't I have to reset my password so I change my password and that's when I found out the some one make a transfer for XXXX I make police report. A week later they call me saying they were able to give me the credit back because they were saying i was the one who make the transaction and i told them i don't know this person i don't know the email address or phone number and until now we are in XXXX they don't want to do anything because they need proof i don't have any proof i send out proof from XXXX the we got a notification saying the they stole customer information. i don't have anything else to proof the it wasn't me, they know where the money when they have the other person information but they still think it was me who make the transfer. last thing i want to mention i didn't get a notification when the person make the transfer and they saying they did send me something and when i change the email address i did receive a notice, thank you and i hope you guys can help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have opened a capital one savor account ( not the ONE ) in XX/XX/2019. 

APR promotional read a 12 month 0 % during when I was opening the account and still does ( XX/XX/2019 ), see below : https : //www.capitalone.com/credit-cards/savor-dining-rewards/ Annual Percentage Rate ( APR ) for Purchases 0 % introductory APR for the first 12 months that your account is open. 
After that, your APR will be 16.24 %, 21.74 % or 25.24 %, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. ( made a screenshot just in case ) It also shows here : https : //www.capitalone.com/credit-cards/dining-and-entertainment/? XXXX & XXXX & XXXX where I believe I applied. 

Now when I check my statement it appears they are charging me interest rate and my rate is 16.24 % 2 month later. Where is the introductory APR? 

There were no asterisks when I applied, but the company during phone call told me that the APR we provided did not include an introductory rate and was in your documents. 

This is extremely misleading and seems like malpractice to do that and still have that information on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: AMERISAVE MORTGAGE CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I paid Amerisave Mortgage a {$500.00} mortgage refinance application fee. The fee is held to process the refinance and pay for loan processing services. During the loan processing Amerisave made several errors such as sending my credit score disclosure to the wrong person, loosing employment verification information and unable to explain the fees associated with the refinance transaction. Due to these issues my refinance was delayed by processing thus making it almost impossible to obtain favorable loan terms. Do to these issues they were unable to deliver the product that I paid {$500.00} for and have not responded to my request for a refund both submitted via email to the mortgage originator or the XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have made multiple requests of validation for an account with XXXX XXXX   collecting on behalf of XXXX XXXX that currently appears on my credit report. XXXX XXXX has been unable to provide validation that meets federal requirements. Despite their inability to provide proper validation TransUnion has decided to continue reporting this information on my credit report. I received a notice from XXXX XXXX XXXX  on XX/XX/2018 stating they now own the debt, further making the entry from XXXX XXXX invalid. I have requested validation from XXXX XXXX XXXX  and am optimistic I will receive the needed information to determine the validity of the debt they seek to collect. Since XXXX XXXX no longer owns this debt and the current owner has yet to validate the information, I respectfully request that you remove this entry immediately.

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 2018-09-20
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a call from PHH Mortgage Servicing that I had not made my XXXX payment, and demanding payment plus a late fee immediately over the phone. I knew my payment had been sent via ACH on XX/XX/XXXX. the agent verified they received the funds on XX/XX/XXXX, but stated they had applied them to my principle, and again demanded payment. I explained again, she claimed I failed to make the full payment, so they applied it to my principle. She refused to provide a Supervisor when I asked for one repeatedly. The claimed my payment had gone up due to my escrow, even though my escrow was refunded for an overage. So, once again, they have messed up my escrow and raised my monthly payment without notice, or reason, since my taxes and insurance premiums have NOT increased! I am beginning to believe they are putting these extra payments in THEIR pockets, since they can not or will not explain WHY my payment increased by {$60.00} per month. Their Tax Dept confirmed they have the wrong tax amount XXXX it's too high ) but only by about {$100.00} annually. Their tax dept is researching, but can not explain the higher payment either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting on my XXXX and my XXXX but it is incorrect. I have never done business with this company. I have gone down to the actual apartment complex that this debt was originally owed to and have shown documentation supporting my claim. I want this off my credit report as this debt was in the result of neglect on the apartments part NOT MINE. I have tried contacting National Credit Systems multiple times with no luck. This is becoming a huge burden when its not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: National Credit Adjusters, LLC
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 reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. Here as follows is the item in error : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
Remove following account from my XXXX  Credit Report Collection Agency : National Credit Adjusters Original Creditor : XXXX XXXX  Balance : {$250.00} Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
credit agencies have multiple misleading and inaccurate addresses on my credit report there fore violates FCRA.

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 2023-03-31
Company: Experian Information Solutions Inc.
State: NY
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:
As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries 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 XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-02-05
Company: EQUIFAX, 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:
I am attaching an affidavit for identity theft in regards to XXXX XXXX XXXX  XXXX  and an account that was opened fraudulently in my name with them, allegedly. I did NOT open an account with this company and I have submitted an affidavit to this affect. I attach the affidavit to this complaint and demand the item be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts nor did I authorize these companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation