BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: eMortgage Funding LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
From day one when I was contacted by EMortgage I was guaranteed I would be getting a loan with lower interest rates, lower payment, my debts paid off and cash to do upgrades. I was intentionally mislead, deceived and straight out lied to throughout the whole process in order to get my to agree at closing to a loan I can't afford and debts they refused to pay as agreed leaving me in financial detriment and going to lose my home. It was fraud and they knew it. They then immediately sold my loan so they have no more responsibility to pay what they agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, INC.
State: LA
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've sent letters to the credit bureaus on multiple occasions and they continuously send me vague letters that ends in them not removing these either fraudulent or accidental inquiries ending up on my credit report. The letters they send either states they verified or that credit inquiries can stay on your report for up to 2 years. Even when they send a letter stating they verified that this is my inquiry they never follow the law and state how they verified that I made the inquiry I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i received notification that I had a new collection account on my credit report. The collection was placed by credit collection company, Enhanced Recovery Company , LLC ( ERC ). I've never received any communication from this company about the alleged debt. A few days later, I called  them to find out what the debt was and from when. I was told it was a sprint account, which appeared to have been opened in XXXX. I proceeded to tell the representative that her information was incorrect as I had notified XXXX in XXXX that I did not open this account and someone probably stole my identity/information and opened this account under my name. That I provided XXXX with a bunch of paperwork and affidavits. I never heard back from them. So I assumed the matter was resolved. Now 6 years later, ERC placed a collection account on my credit report. This should have never happened because I told XXXX it was fraud when I first found out about this and not to mention, they are outside of the statute of limitations. The rep said he would notate the account/put red flag on it and notify sprint. 

I also opened a dispute with one of the credit agencies, XXXX. Per the results on XX/XX/XXXX, ERC has agreed to delete the collection from my credit report. Sadly on the same day, the collection account was reported to XXXX and XXXX. Needless to say I am frustrated at this point and wants this resolved because I am trying to rebuild my credit and this is causing an issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: AR Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ARl resources INC collected {$610.00} from me which was an ID theft. Please stop charge me for the {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
I have been filling on all 3 credit reports advising that I never open an account for XXXX or Recovery Profolio ACCT# XXXX   for $XXXX the thing about it, is that they don't even have my last name mispelled right. So that goes to show that this account is not even mines. As far as XXXX Acct# XXXX for XXXX. According to these lenders the account where open from: XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. I have sent both companies proof (As what they requested which was XXXX XXXX XXXX XXXX  receipts) that the only address I have lived in the last 42 years has  been: XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX. Even with the proof I sent them, they still state that the information I have provided them is not correct But that the information they have is? HOW THE #### DO YOU FIGURE THAT, WITH PROOF THAT I SUBMITTED TO YOU, FROM  THE ELECTRICITY COMPANY???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions 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:
I opened an account with XXXX now also known as XXXX XXXX XXXX back inXX/XX/XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.

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 2021-05-04
Company: Experian Information Solutions Inc.
State: NC
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:
This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about

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 2020-02-05
Company: CORELOGIC 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 did open/close this account. 
Credco XXXX XXXX, CA 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 2017-12-16
Company: LoanCare, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Due to my recent divorce, I wanted to refinance the house in which I lived in my name only. The mortgage was originally taken out at XXXX XXXX XXXX, XXXX, Iowa and they sold the original mortgage to Loancare , LLC. It is against Loancare , LLC I am filing my complaint. 

I went to XXXX XXXX XXXX XXXX and applied for a new mortgage in my name only. The lending department at XXXX was instrumental in reworking a new mortgage and they proceeded to seek a payoff from Loancare , LLC starting on XXXX/XXXX/XXXX. A payoff due Loancare LLC of {$200000.00} was received by XXXX onXX/XX/XXXX. ( Reference the attached notes from XXXX, the loan officer, to see the efforts made to receive this initial payoff ). On XXXX/XXXX/XXXX a second, and new payoff in the amount of {$190000.00} was received by XXXX. This payoff used the wrong good through date of XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX as the payoff ; in addition, the total loan amount due was both printed wrong and added wrong! 

XXXX assumed, for reasons in XXXX notes, the second payoff was correct and they wire-transferred {$190000.00} to Loancare LLC on XXXX/XXXX/XXXX when it came out of rescission. A third payoff letter then arrived at XXXX on XXXX/XXXX/XXXX in the amount of {$200000.00} stating the payoff was made after XXXX XXXX, XXXX so another month of interest ( {$770.00} ) was added. 

At this point, I made four phone calls over several days including a conference call at and with XXXX loan officers. Typically, I was put on hold for long periods ; told there was no one in management available ; or the phone simply went unanswered during regular business hours. I then went to XXXX wondering what to do next. The loan department went to XXXX XXXX XXXX XXXX, Chief Operating Officer at XXXX for help. He made several attempts to reach Loancare LLC and on one attempt was on hold for fifty minutes. 

Now, as of XXXX Loancare LLC has issued a fourth payoff in the amount of {$200.00}, XXXX stating yet more charges were added to the loan. This is beyond reason! Through this entire process, XXXX made more than ten phone calls to Loancare LLC and I made at least four. All the attached evidence clearly shows Loancare LLC made the errors that created this mess. What is most frustrating is their admission they were in error but still unwilling to remove the extra month of interest and putting the amount owed back to {$200000.00} ; if not actually XXXX which they said was due and which XXXX wired to Loancare LLC as requested on the Loancare LLC wire.

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 2021-12-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We keep getting arbitrarily harassed by TD Bank and their merchant services affiliate XXXX - like for today for example we woke up to try and login to our XXXX XXXX account ( a feature created by XXXX to access our credit card deposits/chargebacks/etc ) and the " password didn't work. '' So then after we changed the password by authenticating ourselves a few times via email, and were able to log in, the entire data for merchant account ending in XXXX was completely and totally deleted, we think in retaliation for filing so many bona fide legitimate complaints against these XXXX entities with the CFPB and the XXXX XXXX. Please urgently investigate and advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: AmeriCollect
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:
This account is reporting to my credit report twice. I have disputed it through XXXX  and have not received any information on the account nor any investigation results. Per the FCRA, my rights have been violated. You can not report the same account TWICE to my credit report, especially since it has been disputed with the reporting agencies and is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions 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:
Experian and XXXX credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.

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 2018-07-24
Company: HYUNDAI CAPITAL AMERICA
State: TN
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:
In XX/XX/XXXX my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, hyundai closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to Hyundai in the amount of XXXX on XX/XX/XXXX. I called XXXXXXXX XXXX   almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. Hyundai reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me Hyundai was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX Hyundai received a payment from GAP, Hyundai then forwarded me two refund checks and sent a letter stating the account was paid off. In XX/XX/XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called Hyundai several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then Hyundai reported negatively again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. Balance {$20000.00} Credit limit $ XXXX Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. Remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions Inc.
State: PA
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 noticed in XXXX that my score was raised by at least 40 points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted XXXX regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-03-22
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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:
XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ 20000 Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks

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 2023-03-12
Company: Resurgent Capital Services L.P.
State: MO
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:
Just received noticed this morning that new address had been updated on my credit reports. listed as XXXX XXXX XXXX XXXX, IL I do NOT live or have ever been to such address!! When I went to dispute it, it came up under Resurgent/ LVNV. 
I have disputed accounts with this debt junk buyer before and even had accounts in court that have been dismissed by my lawyer on these people. 

I want them removed from all of my credit reports now! I am getting no where with getting them off my credit reports, and now I find this new information on my reports!! 
This is illegal and fraud by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not had a XXXX XXXX  account since 2009 when I terminated it owing nothing and switched to a different provider. Since then for the past 10 years I have been getting letters claiming I owe {$720.00}, despite multiple attempts in writing, XXXX XXXX keeps harassing me. They have even fraudulently adjusted dates it seems in order to keep harassing me. Not only did I know owe what was claimed ... it's been TEN YEARS since I had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ XXXX  Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last paymentXX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks

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 2018-10-02
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the authorized charge to be resolved.

Company response to consumer: Closed with explanation