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

Complaint:
Carrington mortgage Services , LLC has struggled to properly maintain, adjust and make disbursements from my escrow account. 

Carrington failed to make my School Real Estate Taxes on time. Carrington 's 3rd party servicer ( XXXX  ) paid the bill late but Carrington used the inflated County tax bill with the Relevied school taxes to improperly reset my escrows without providing me with forewarning or the ability to discuss corrections to avoid an increase in my monthly PITI. 

I called Carrington on XXXX, XXXX and XXXX to discuss this situation with their Tax Dept. and their Escrow Analysis/CSR Dept XXXX Each dept. would refer me to the other as they couldn't answer my questions or resolve my concerns. I repeatedly requested to speak to a manager but was denied that request. On XXXX I requested a conference call between the two departments but that didn't happen ... ..and I was bounced from Tax Dept to CSR! 

Last year Carrington underestimated my escrows when my VA XXXX exemptions kicked in ... XXXXthey advised me that I didn't have to pay RE Taxes. I had to cover a two month escrow shortage before they fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX  and XXXX  Report NumberXXXX CAPITAL ONE Account XXXX And CAPITAL ONE BANK USA N Account XXXX I Filed a dispute for the miss payment. 
Now both of my credit card has been deleted from my credit report. I need both of my credit card back on my account for my payment history and for my revolving account. I wanted the miss payment fix not delete my cards on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Gap insurance paid off my loan vehicle still showing I owe the debt and its affecting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-01
Company: ERC
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:
XXXX XXXX XXXX has totally let the breach of XXXX totally cra violation and ftc XXXX my report up enclosed are the violatons XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - - XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$750.00} {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX 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 2021-03-18
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back on XX/XX/XXXX I filed a complaint through CFPB : XXXX. The Mortgage company is United Wholesale Mortgage ( UWM ) and the loan # is XXXX XXXX XXXX XXXX. The complaint was closed and I thought that the problem was resolved, but it wasn't. 

In XX/XX/XXXX, I was enrolled in a forebarence plan for 3 month because I had a hardship, I was making less money at my job and I struggled with my finances. Then the forbearance was extended 3 more months, and someone at UWM without my authorization ended my forbearance 5 months after XXXX, that meant that I needed to pay 5 months of missed payments and I needed to pay XXXX 's bill ( payment 6 ). With the help of CFPD, they extended the forbearance for 7 more months, a total of 12 months, from XX/XX/XXXX through XX/XX/XXXX, so that was great. But now after speaking with them to make next month 's payment XXXX XXXX, XXXX ) the want me to also pay a little more than {$22000.00} for the missed payments from XX/XX/XXXX through XX/XX/XXXX. I asked them to deferred the 7 missed payments because I don't have that money now, and they told me that they can't do it because they can only do a deferment once. They should defer the 7 missed payments because it was their mistake, they were the one that terminated the forbearance after only 5 months and deferred the first 5 missed payments. I asked to speak to someone that could fine a solution to the problem, and they made me write a email, because they don't accept phone calls, but no one has reached out to me yet. 

I have attached all the information that UWM sent to close the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: WELLS FARGO & COMPANY
State: NC
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 notified Wells Fargo credit card services for 2.5 years regarding the numerous repetitive erroneous, false charges appearing on my credit card statements, for items never purchased, nor were ever delivered, and several times while reporting the fraudulent charges, I requested my card number to be changed. Instead, they increased my credit limit on the already-compromised account, still being fraudulently charged, of which they didnt investigate, make the then-XXXX  acct number unusable to combat falsely-charged items, nor did they ever remove the false charges after my numerous requests to get them to remove the false charges, change the card number or turn the card off as it continued to be falsely charged with the newly inflated credit limit. They can certainly, and should verify with delivery services ( like XXXX, XXXX, XXXX, etc. ) that the merchandise they were charging me for was never delivered to me. I spent an enormous amount of time trying to get them to be accountable, and for them to not hold me responsible for falsely-charged, reported falsely charged items, of which I would certainly not charge up on a credit card, which was eventually maxed-out with continued fraudulent charging upon the new, inflated credit limit. This should not reflect poorly or as negative on my credit report, as they were notified of the false charges in a timely manner ( XXXX ), all actual truthful charges I paid off, and the numerous hours Ive spent in sending letters and via phone calls should have been enough to warrant them verifying that I never received the products/merchandise, and for them to remove these charges from my account, I shouldnt be responsible for the reported fraudulent use of my account-credit card number after my notifying them, ( XXXX was my acct # then ), that these charges were bogus, I shouldnt have to pay for false charging on my account, I believe that they should be responsible to me for verifying these items, non-ordered/non-delivered, are removed from my account charges and corrections should be made to reflect truth. I especially should not have this account reflect negatively against me on my credit report, considering the extraordinary amount of time and energy I have had to spend in order to attempt to have these false charges against me corrected for truth, and to have the fraud removed off my 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 non-monetary relief
Consumer complaint received 2017-12-12
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I let my boyfriend make a payment from my acct for his vehicle and due to his bankruptcy following month he cancellwd his payment arraignment with GM financial and turned the car over to GM. GM didnt cancel the payment and day they took car they withdrew pmnt from my acct which only money that comes into acct is my federal XXXX pmnt and daughters money. I tried speaking with them they refused to return and my bank tried to refuse payment when it occurred but couldnt. Ive tried to discuss with them but they tell me i have no relation to acct and hang up on me yet they withdrew funds from my acct that has only my XXXX dsposit. Very rude unable to discuss with them. Told me bring my BF to court then?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TIDEWATER FINANCE COMPANY, 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: Public record information inaccurate

Complaint:
In the process of applying for a home loan and sending out several, several letters correcting various errors with the 3 credit bureaus. There arise another problem we were told by the lender there was a foreclosure on the hard credit, which we were unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed via XXXX  from someone trying to purchase a rental home for a few days. They took the money and never showed up to let us into the home. I have all of the proof of conversations and a rental agreement. Unfortunately, the information that was provided by the owner was false. Ive contacted Wells Fargo multiple times to help me get my money back. I do feel as though with my proof I should be entitled to my Money back. I also have filed a dispute with XXXX. Sent money, {$1100.00} via XXXX  on XX/XX/XXXX through Wells Fargo. Disputed on XX/XX/XXXX telling them immediately it was fraudulent. They did not ask for any proof or documents regarding my case. They closed it and claimed that they sent a request to the bank asking for the funds backthe other party is not going to send it back.

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 2021-11-02
Company: National Credit Systems,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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT SYSTEMS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ars : {$2800.00} Total XXXX XXXX XXXX : {$4500.00} Specialized collection services : {$710.00} My medical information was shared with a collection agency, Account Resolution Services, XXXX XXXX XXXX & XXXX Collection services I am being charged I've attempted on two occasions sending letters to Account Resolution  Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  for debt validation in XX/XX/XXXX and XX/XX/XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  to have authorization to collect a debt. Instead Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies in XXXX XXXX and XXXX XXXX explaining that Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity 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 2022-10-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. These accounts have shown as " VERIFIED '' by the credit reporting agency. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there, 15 USC 1681 sections 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions.

The below listed accounts are inaccurate and is improper use of my credit report... 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed Charge off )

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 2019-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE. with no successful resolution. XXXX asd XXXX  was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: BARCLAYS BANK DELAWARE
State: MA
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 had some illegal use of my credit card around of XXXX of XXXX and called up to dispute .The credit card company put three charges that I had not disputed into a dispute. I received calls from these vendors, In house Cleanout at XXXX for XXXX and XXXX XXXX XXXX at XXXX for XXXX. Barclays told that they were going to pay these vendors. I received repeated calls from XXXX XXXX XXXX   and after about 3 weeks I paid them in full from my XXXX XXXX credit card on XX/XX/XXXX and called up Barclays and told them I had paid the Vendor.. On my XXXX Statement they charged me for the XXXX XXXX bill again. I have made repeated calls and they keep telling me there is nothing they can do as it is to old ( but they put it back on XXXX On the In house clean out I paid the XXXX dollars on XX/XX/XXXX on my XXXX XXXX credit card as I received a call that they were not paid, Right after I paid them along came another XXXX dollar charge from Barclays that they would not take off.

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 monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
After reviewing my credit report, I noticed Experian is alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report such information. 15 USC 1692g, states that you must provide me with verification of an alleged debt to ensure that my rights have not been violated. Please remove all negative and adverse remarks on the accounts listed below. In addition, I am requesting a debt verification letter as well as the method in which you used to verify this debt before placing it on my account. 

XXXX XXXX XXXX ACCT # XXXX As you know, it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said account. I am asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paperwork is produced, the account is unverifiable. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the account. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance, then you must remove the account 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 non-monetary relief
Consumer complaint received 2019-04-04
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/2019 at XXXX - XXXX XXXX XXXX from XXXX , XXXX & XXXX , XXXX . who is representing XXXX XXXX XXXX, contacted me via email regarding an account that they have filed a lawsuit against me ( Oregon XXXX ) along with another debt that they are also representing XXXX XXXX XXXX but does not have a lawsuit associated with it. They have stated to settle with them without defending myself in the lawsuit. They have threatened lawsuit with the non-lawsuit account and suggested that I file for bankruptcy, thus trying scare tactics to pay them in full for debts that are being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my mortgage with Cross Country Mortgage on XX/XX/2023. I have not received any documents from them showing payment of my loan, including Deed of Reconveyance. I contacted them about 10 days ago and still no response. 
I want to make sure that my loan payment is properly recorded and property is clear of any obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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:
SENT EVERYTTHING UNDER THE QUILD LINES FOR FTC VOLATION THEY NEED TO CORECT MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Credit Plus Inc
State: OH
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:
I have a new hard inquiry on my credit report that I do not authorize. This company has already ran my credit score in XX/XX/XXXX ( reported on my credit report as of XX/XX/XXXX ). There is now a 2nd inquiry posted to my credit report as of yesterday, XX/XX/XXXX. I'd like this removed immediately as it is not an authorized inquiry and it effects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX and I sent dispute documents to all 3 bureaus in reference to fraudulent items that do not belong to me and should be removed on my credit reports it has been longer than 30 days and I have received no response from either of the bureaus.

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