BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi, on XX/XX/2021 Carringtom mortgage services LLC informed me about the quote of new home Insurance, and the new mortgage analysis of $ XXXX, they told me that the old Insurance went up, so I called them back to remind Carringtom that I have 30 days to keep the old home Insurance or if I get a new one, on XX/XX/2021 I informed Carringtom that I changed the new XXXX XXXX, so they fixed and informed the new analysis of $ XXXX, so on XX/XX/2021 Carringtom change the mortgage house payment again they increase the analysis to {$400.00}, this time Carringtom says that because the house is in flood risk, after I investigate on FEMA web site ( Documents attached ), my home address is NOT in flood risk area, XXXX XXXX  XXXX XXXX Tx. XXXX. Since XXXX mortgage  bank transfer the loan to Carringtom, I have to file a complaint against this company, and on 2021, on CFPB I already filed 3 complaints against Carringtom, last complaint # : is : XXXX. 
I'm XXXX  and tired of this mortgage company,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on several occasions I have submitted request for this company to remove the inaccurate information from my credit profile and my request have been ignored. they are reporting XXXX  Reported on XX/XX/2009 {$140.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The creditor agreed to delete this 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 2018-10-10
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was trying to work with XXXX XXXX previously to resolve the debt but due to my work schedule I had them working with my wife after giving permission multiple times and advising them to not contact me directly but her. She tried to make arrangements but the calls were not made to her as scheduled and without the proper follow ups she was unable to make arrangements that were satisfactory. This went to Glasser and Glasser and I got one letter dated XX/XX/2018 that came sometime around the first week of XXXX. I tried to call the number on different occasions and always got a voicemail or busy signal. No calls were ever returned to me. The next thing I see is a notification from the post office that another letter is on the way and when I checked court records they have filed a warrant in debt. ( I am scheduled for notification from the post office due to not getting my mail as scheduled and still do not know if this will actually show up ). I am extremely upset as I was not given proper opportunity to try to work out a settlement and get arrangements in place. I was only contacted the one time. This is not fair and absurd. It is not my fault they have the office number set up to not work or choose to not return calls. Also more than one letter should be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Yes XXXX XXXX on XXXX XXXX XXXX in XXXX tx keeps harrasing me and my references after I told them the only contact I want from them is by mail at XXXX XXXX XXXX XXXX XXXX tx XXXX. As I am currently seeking employment to pay them back. I do not have any income to pay on this loan now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: EQUIFAX, INC.
State: NM
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 disputed 3 accounts {$600.00}, {$260.00}, {$3000.00} on XX/XX/2019 asking for proper validation ( a contract with my signature on it ) if not removed but rather they send updates and verifies but never provide me with nothing no paperwork, no method of verification nothing and accounts still on my credit report hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions 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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information

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 2019-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since late XX/XX/XXXX I have been in an overdraft cycle with Wells Fargo. I have called several times explaining I am in a bad cycle and they are making it worse and sustained by levying O/D fees. The issue has been escalated and the bank is not helpful. The executive department has not returned promised calls. 

The ordering of transactions, deposits, and w/d has been advantageous to the bank. Many of the deposits I made to keep my bank balance positive have been eaten up by overdraft fees. These fees have kept me from functioning, have preventing me from eating sometimes, and have caused complications in getting to and from work. 

I am tired of making deposits to go to fees. I would like these fees refunded they have been excessive.

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 2019-06-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was paid before charge off. The vehicle is no longer in my possession and the vehicle was purchased over 7 years ago. Payments received were more twice more than the car 's value. The amount collected and still pursing to collect is fraud and twice the value of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: CIT BANK, NATIONAL ASSOCIATION
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:
XXXX is reporting the status and amount of a mortgage  for a home I sold in XX/XX/XXXX inaccurately.  They are reporting that the home was foreclosed and I am attaching evidence that this is false via the payoff letters I received from both lien holders.
They are also reporting an incorrect loan amount of $XXXX.  This loan was originally originated with XXXX  in the amount of approximately $XXXX.   
I have tried disputing this with the three credit bureaus in addition to calling XXXX so they could research this issue.  They have been unable to provide documentation to support this loan balance nor have they shown any goodwill made any attempt to update .

CIT BANK XXXX
XXXX XXXX XXXX XXXX, MI XXXX 
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Joint Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL
REAL ESTATE
MTG
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
Last Payment Made: XX/XX/XXXX
High Balance: $XXXX
Pay Status: >Account 120 Days Past
Due Date<
Terms: $XXXX per month, paid Monthly
for 30 months
Date Closed: XX/XX/XXXX
>Maximum Delinquency of 120 days in XX/XX/XXXX and in
XX/XX/XXXX<
Remarks: >SETTLED-LESS THAN FULL BLNCACCT PAID,FORECLSR STARTED<
Estimated month and year that this item will be removed: XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint is relating to existing complaint XXXX. 
We now received a " standard '' letter from Equifax suggesting that they can not find my credit file AT ALL, siting three potential reasons, none of which apply. 
All indications are that EQUIFAX are resolving complaints with an automated application which couldn't read my name correctly - see attached. 
We are asking for an escalation of the resolution of the practices of this menacing company. We are not able to engage freely in commerce because we are obstructed in lifting the self-managed credit freeze - this IS AGAINST THE LAW OF THE LAND!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX, which went overdue and they sent the debt out to a collection agency. This agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX contacted me on XX/XX/XXXX. I paid them the amount of XXXX via single-entry ACH debit on that same date, XX/XX/XXXX. I received and still have the receipt for this payment. Since that time, 5 years ago, several other agencies have sent letters and contacted me in an attempt to collect this same debt from XXXX. When told I had already paid, and upon seeing proof, they would suggest I call XXXX and stated XXXX needed to take it off their records so the debt would not continue to be reported and sold to other collection agencies. I have repeatedly contacted XXXX to no avail. I just received a notice from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which stated the debt was so old I could not be sued for it nor could it be reported to any credit agency, but they offered 2 options to resolve the amount of the debt ( which had been paid in XXXX ). I am beyond frustrated and confused how this single debt from XXXX could last this many years, being sent to different collection agencies, especially considering it has been paid. I would like this matter resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
New Complaint! I filled a prior Complaint against Discover and this issue has arisen since then.

Firstly, in my agreement with Discover, any disputes are supposed to go to arbitration, which I requested and Discover has not done.

Next, I got a letter from Discover telling me if I made the minimum monthly payment timely, 3 months in a row. which I did they would consider my account current which they have not.

Next, although Discover told me differently, my written agreement with Discover specifically provides if I am not satisfied with a purchase made with my card, Discover will protect me! 
I didn't know when I filled the previous Complaint, but the Company where the purchase was made, XXXX XXXX, in an administrative proceeding with the State of Michigan Secretary of State, arising out of this purchase committed fraud when they told the State I received documents required by State law on XX/XX/2018, when factually in violation of State law I didn't receive the required documents for almost a month after that date, a violation of State law, and evidence why the sale was fraudulent. 
Therefore, under my agreement with Discover, I am disatisfied with purchase I now have evidence was fraudulent and under my agreement with Discover I am unhappy with fraudulent purchase I made with my Discover Card, which Discover should reimburse me for under my written agreement with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions 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, addresses and names on my profile.

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 2019-05-25
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 fraud alerts or security freezes

Complaint:
Fraud alert removal

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 2019-05-25
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:
I am a victim of Identity theft, yet I am having a hard time getting the CRA 's to honor my dispute. My FTC ID Theft Affidavit attached. Please block the Fraudulent accounts listed to the attached, per 605B of the Fair Credit Reporting Act.

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 2019-05-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Specialized Loan Servicing Holdings 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : 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 2019-05-25
Company: EQUIFAX, INC.
State: AR
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:
Equifax keep adding a debt that has been discharged in chpt XXXX bankruptcy to my credit report the initial account was opened in XX/XX/XXXX and was taking off my credit report at the beginning of the month of XXXX and then it was re-added XX/XX/XXXX as a closed account causing my score to drop a 133 points over night I have addressed this issue with them and want this resolved ASAP this account is no longer valid and should stay off my report permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are working with the Oregon Foreclosure Avoidance ( OFA ) program and paid a small fee for that. We have no problem with them or the program, but we do with Mr. Cooper. 

We sent in the application for modification within that program on XX/XX/XXXX. The bank did not ask for any additional documents. We went to a Resolution Conference on XX/XX/XXXX. The bank representative stated that they had not considered the new application because they had just denied us for a modification in XXXX of XXXX. They said they did not look at the new application we sent in, in XXXX. We would like to complain that they did not follow guidelines and give us a determination based on the application sent to them on XXXX XX/XX/XXXX. I can get written statements from the housing counselor and the moderator of the Resolution Conference. 

Related to this, is that in the denial letter from XXXX, they stated that the application was denied because it didn't meet one or more of a list of reasons but didn't specify. During the meeting they said it was because the loan was originated after XX/XX/XXXX and that that was an FHA rule. I looked at FHA rules online and saw no such restriction. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
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:
Wrong credit reporting ... many different amounts on balance. I did not get a deffer payment at beggining of pandemic. For XX/XX/XXXX thru XXXX XXXX Says I was behind and they have been taking out payment every 2 weeks. Payment for XXXX says current and then goes back to not current for XXXX XXXX XX/XX/XXXX ... so irretated.. XXXX XXXX a very bad place.

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 2019-05-25
Company: EQUIFAX, 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:
I am a victim of identity theft XXXX Opened XX/XX/2019 + {$130.00} Original creditor : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Unemployment has a contract with Bank of America, XXXX XXXX XXXX. XXXX was a bad year for our family. We were unemployed, and had the flu, like most of the United States, we were barely making minimum payments to Bank of America, in XXXX XXXX, XXXX XX/XX/XXXX we were deathly ill. I called BOA concerning for lack of payments from us and why, they were confusing the unemployed account, with the XXXX XXXX XXXX account. In XXXX we informed them our rent went up and we were not able to make a payment, which they conviently increased from XXXX per month to XXXX per month. then XXXX I made contact, pleading for help, explained again our situation, they told us they would FREEZE our account until we could reach a positive, by agreeing to automatic payments, I gave them our bank account information as to have our account to take monthly payments to BOA, I asked if when I could make a bigger payment to help clear our account so we may use it again they said yes, upon making this call, I was informed they had closed the account in XXXX, But it was in XX/XX/XXXX we had made this agreement with BOA when we sacrificed to pay XXXX to bring the account current, then make monthly payments of XXXX.until it we met their agreement. The customer service rep for collections did not know about the Freeze program We agreed to, making the payment along with the monthly payment agreement to keep our account open. But the customer service rep explained they do have this program for those like us needing help, as per the agreement, they failed to honor their end of it. Although we are in the green with them We reapplied for their card again, only for them to deny our application.

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