BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i am XXXX years old. i started using credit at XXXX when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of 42 years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about two years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only two years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.

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 2020-12-16
Company: DISCOVER BANK
State: MD
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:
Im very frustrated and confused as to why I still have inaccurate late payments being shown on my Discover Card. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a Discover customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, XXXX, and XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX  states 30 days late on XX/XX/XXXX but XXXX  and XXXX  state OK - XXXX  and XXXX  are reporting correctly. 
- XXXX  and XXXX states 30 days late on XX/XX/XXXX but XXXX  states OK - XXXX  is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
On XX/XX/2018, I applied fir a Capital One credit card and was approved for a Card with a {$300.00} credit limit. The Capital One employer told me that only 1 inquire will be apply to my credit report. But that was not correct ... Capital One summit 3 inquiry and pulled my credit with unauthorized inquiry. I only authorized them to pull my credit report 1 time. I tried 3 month to resolve them matter with Capital One but they keep telling to Dispute it with the XXXX, so I did it. I summited a Dispute with XXXX them to tell me that they dont do inquiry Dispute, which is not true. They are 2 inquiry dating on XX/XX/2018 and XX/XX/2018. These inquiries are effecting my credit score bad and negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I took a 90/10 loan with XXXX XXXX XXXX   ( XXXX  ) on a {$48000.00} purchase where I paid {$48000.00} as 10 % down payment with a principal loan of {$430000.00}.

XX/XX/XXXX my XXXX XXXX XXXX ( XXXX ) loan was current. ( Exhibits 1 and 2 ).

XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 3 and Exhibit 4 ) XX/XX/XXXX I also paid XXXX the {$48000.00} against the principal that was required to eliminate PMI. ( Exhibit 3 ) XX/XX/XXXX XXXX   charges {$86.00} for PMI. ( Exhibit 5 ) XX/XX/XXXX I asked that PMI be removed from my account.

XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 5 ) XX/XX/XXXX XXXX  sent me a delinquency notice for the XX/XX/XXXX payment. ( Exhibit 6 ) XX/XX/XXXX XXXX   sent a statement showing I owe {$6600.00} on XX/XX/XXXX ( and that my XX/XX/XXXX payment is past due ). ( Exhibit 5 ) XX/XX/XXXX I was again inappropriately charged PMI ( Exhibit 13 ) I have made many contacts with XXXX   attempting to address this issue directly with XXXX. ( Exhibits 7, 8, 9, 10, 11, 12 ). I have more similar messages back and forth with XXXX that simply do not address this issue.

Please help. I am asking that : 1. my account correctly reflect that I made my XX/XX/XXXX and XX/XX/XXXX payments timely ; 2. my account correctly reflect that on XX/XX/XXXX I paid an additional {$48000.00} against principal ; and 3. PMI should no longer be charged and all PMI charges after XX/XX/XXXX should be refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-22
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call me at least 10 times a day and leave me several messages. I have told them not to call me and asked for debt validation and proof of debt. They have not complied with any of my request but still continue to call me several times a day from all different numbers and leave voicemails. I have screen shots for proof of all the calls and and i have saved the voice mails and I even have a recording of the call where i asked for all of the validation and to have them stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On the week of XX/XX/XXXX, I received an alert from my Experian credit monitoring service indicating that my XXXX credit card payment for XXXX was not made and as a consequence I had a 30 day late notice added to my credit report. When I went back and checked my payments, I noticed that for the month of XXXX I had made a {$100.00} payment. I immediately called XXXX and they told me that my payment was short for {$5.00} and that they couldn't do anything about it. They were not willing to help me in any way. I asked them to please review my previous history so they can see that I have never been 30 days past due since I open their account. I explained to them that I recently went back to work full time and that I have been sending my payments beyond the that due date, but we a lot sacrifices I have avoided to be 30 days late. I also mentioned that my job stability could be affected for those {$5.00} and that what they are reporting to the credit bureaus is innacurate. They are reporting that I missed my payment which is not the case. 

What they are doing will affect my current employment and future opportunities as well. I do not think this is fair especially for a customer who in spite of her circumstances has been making payments. This {$5.00} difference has caused a level of damage that is not equivalent to the shortage in the payment which was originated by an oversight. 

My credit is the only thing that will keep me working. Please help me to communicate with XXXX so they can remove this 30 days notice from 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 2021-04-23
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Timeline : XX/XX/XXXX - XX/XX/XXXX I : Actions taken by Borrower ( Me ) : I fully disclosed to this mortgage loan originator that I wanted to purchase a second primary residence in XXXX Texas through FHA. I provided the MLO all of my information in a timely fashion and communicated, early and often to notify the MLO that I was flying from CA to TX in order to seek this housing. I asked the MLO to pre-submit my files to underwriting on multiple occasions in order to ensure I qualified for the loan. 
XXXX : Actions taken by Mortgage Loan Originator ( XXXX XXXX / NMLS XXXX through " LOAN DEPOT '' ) Committed constructive fraud, demonstrating negligence in advising and overseeing the loan qualification process. The MLO pulled my credit multiple times, injuring my credit standing and failed notify me of these soft and hard hits in advance. The MLO provided bogus loan approval documents on multiple occasions implying I was eligible for a loan type which I actually NEVER qualified for in the first place. 
III : Committed actual fraud, intentionally misrepresenting the status of my underwriting file indicating it have been pre-screened and pre-approved for the desired loan time. The MLO assured me that due to their oversight they would refund my appraisal fee and they failed to do so after multiple outreach and attempts made to them for recourse. 
IV : The Mortgage Loan Originator ( XXXX Border NMLS # XXXX via " LOAN DEPOT ) violated my rights to privacy, disclosing non public personal information in unsecured emails with outside parties cc 'd on the emails who were not authorized to have access to my information. Further, the information they disclosed was false, inaccurate and presented me in a negative light.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to know if this is in reference to lab work. The year is XXXX and the company is PMAB? The bill was sent to collections. Since it was in collections in XXXX it must be a bill from XXXX. If this is regarding labs I just recently found out that XXXX XXXX XXXX XXXX does not send labs to XXXX  XXXX which cost me more. It still is not posted and employees don't notify you when drawing your blood. At that time I had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Santander Consumer USA 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 is missing that should be on the report

Complaint:
On XX/XX/2018 I disputed with XXXX  XXXX, and XXXX on Santander Consumer USA, Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX was an auto loan, first delinquent and reported, XXXX of 2012, there were no payments made after and sent to a collection agency. By federal law this debt is over 7 years old and should be removed and it has not been.

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 2019-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates, LLC has sent numerous collectors to my residence ( one banging on my front door viewed via my XXXX   doorbell camera ). To my knowledge I received a bill and after that their agents came to my house. I emailed them a cease and desist letter to their email address XXXX on XX/XX/2019. They continue to send correspondence dated XX/XX/2019. 
They claim I owe {$4700.00}. I was never given an opportunity to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$500.00} to my niece and the cash app said it was not going to be available instantly like it usually is. So we tried to get it refunded so I could send it using another method. We reached out and support told us that they would help us so they called. They told me that in order to get a refund I had to push a green button for the dummy account to refund it. I was questioning and asking many questions but he convinced me so when he sent it I pushed the button. Well, it ended up stealing {$1400.00} dollars from my account. He sent two more transactions and tried to pressure me further. I hung up and realized it was a scam. I immediately called my bank to try to stop it but they said it was too late. I filed a complaint with them and they did not help because they said it was the cash app fault. I also recontacted customer support and they said they would investigate and it would take 45 days. However, after a few more emails I didnt get any resolution. I have proof as the two additional attempts from this scammer in my account. I am so upset. They do not even have a phone number to contact. This all took place on XX/XX/2019. I have had {$1400.00} stolen by a fraudulent scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with Equifax, XXXX  and XXXX, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company keeps saying I am 4 payments in arrears. I keep saying it is only 2 payments ' have repeatedly asked for the accounting records. All they have produced is a document showing two payments in arrears, yet they are threatening foreclosure over this fact that I am 4 payments behind.. In California that is illegal. 
I have asked for this 5 times in over 90 days. They must stop this harassment and provide accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TD BANK US HOLDING COMPANY
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 is missing that should be on the report

Complaint:
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX on XXXX XXXX Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Home Point Financial continues to show me as paying my mortgage late. I have tried ad nauseum to rectify this problem and as of now, it still has not. I have made all my mortgage payments on time. Not only have I have made all my mortgage payments on a timely manner, but I have overpaid my mortgage. They took one of my monthly payment and put it towards principal. Thus causing my statement to show as though I am late with my mortgage payments. I did not request that my payment be put toward principal. When I disputed this problem, Home Point sent me an email stating the problem was resolved. To date, this problem persists. Not only is this mistake on their part is causing me to seem as though I am late with my payments but you are adding fees to my account for late payment of my mortgage.

I dont know if this is a means on Home Points part to gain my house by fraudulent means, but I need this problem resolved. 

This problem continues to cause me great XXXX and XXXX of the thought of losing my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We own our home at XXXX XXXX XXXX XXXX XXXX CA XXXX. We think there is something wrong with these mortgages because we keep being told they have XXXX Balances. We don't know who is the responsible party whom we need to communicate with about our requests. Is it XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX, the Certificate Holders OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MORTGAGE PASS THROUGH CERTIFICATES, SERIES XXXX. XXXX XXXX XXXX WAS THE ORIGINAL LENDER.

MIN # XXXX. I would like request a quick claim deed or full reconveyance of both mortgages. XXXX XXXX  or XXXX XXXX? If we don't owe any money can we please request a reconveyance for the first and second mortgage? Also XXXX has informed us that our mortgage has been transferred out of the system and the last know Servicer is XXXX XXXX XXXX. In XX/XX/2012 XXXX XXXX XXXX did something to release these mortgages?

We would like to know if XXXX XXXX is still the Trustee of the above pass through certificates, and so have these certificates been liquidated, sold, charged off, or forgiven, or included in the mortgage bail out by the Federal Government?

I would like proof that we no longer are responsible for these charged off mortgage loans. We would like a full accounting of monies received from all servicers associated with our mortgages paid to the investors of the Pass Through Certificates, series XXXX that pertains to this single family residence, and XXXX XXXX.

As a protected XXXX XXXX XXXX   Veteran I would like to request a full reconveyance of the first and second mortgage.

We would also like to request to the responsible party the correction of any recorded documents this pertain to this mortgage.

I just want to clean up this situation. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the process of trying to purchase a home. I was unaware of any of the four fraudulent debts on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Credit Control Corp, which is a violation of FDCPA. Credit Control Corp has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Credit Control Corp, nor any party that Credit Control Group, claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Credit Control Group remove all four of these fraudulent debts from my credit report or I will sue, and seek the maximum compensation available under the law, for each violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation