BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: FIDELITY CAPITAL 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: Account status incorrect

Complaint:
XXXX XXXX sold my debt I owed them to XXXX XXXX XXXX XXXX XXXX is still showing a debt owed to them as well as XXXX XXXX XXXX  showing a debt. Both are reporting on my credit report. So now if/when I apply for any type of loan or credit it looks as if I owe 2 different companies an unpaid debt, when in actuality its only XXXX XXXX XXXX that I owe the debt to since XXXX XXXX no longer owns this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Investment Retrievers, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency has been reporting my collection as an open account and reporting monthly late payments as an open account instead of a collection account in order to maximize damage to my credit report. I have disputed this several times through the collection agency and through the credit bureaus. This account should be removed from all credit reporting bureaus as it has called me measurable damages from negative credit decisions that can not be over turned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2020, a company called EOS CCA started reporting 4 medical  collections on my credit report. I have yet to receive any type of corresponce from the company regarding this debt. I should have at least received a debt validation notice in the mail, but I haven't even received a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Transfinancial Companies, 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: Investigation took more than 30 days

Complaint:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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: Information belongs to someone else

Complaint:
having issues changing my address

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 2021-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have told portfolio recovery that i don't owe them anything as I never opened an account with them and to stop calling my phone. They said I will be sued for the unpaid debt whih is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Transunion they failed to reply within 45 days to verify these inaccurate accounts.

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 2020-05-27
Company: CNG HOLDINGS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020, XXXX Leasing attempted to contact me from a blocked number, as they try numerous times each day. The company also sends me unwanted text and will not cease when asked. The representative on the phone conversation on XX/XX/XXXX did not inform me that it was an attempt to collect a debt and that the phone call was being monitored and recorded until approximately 1-2 minutes into our conversation. Thus violating my right and recording me without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: STATE FARM BANK, FSB
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) State Farm bank is over charging me on my month payments amount I pay my own property taxes and insurance. 
There is a escrow account for flood insurance which is XXXX a year Flood insurance account is all the escrow account was set up for. 
They just paid the flood insurance the escrow account has a balance of {$3400.00} currently Loan amount {$400.00}. At 4.5 % =. {$2000.00} amount XXXX divided by 12 =XXXX So my payment should be around {$2200.00} a month it is {$2400.00} 2 )  They added two XXXX  inspection fee They told me this was the make sure the property was not abandon we live there the pass 15 year We have never been late on a loan payment. 

3 ) we had the same property insurance for 15 year they always CC me when they send the XXXX XXXX certificate out But State Farm in the 4 year they been our mortgage service provider They aways claim. they did get it even when you send it to the address Email address, and fax number they provide

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ). 

It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/XXXX according to XXXX XXXX ). 

I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been working with XXXX XXXX XXXX ( XXXX ) and LoanCare to resolve an escrow amount that was not properly applied to my account. My loan servicing changed in XX/XX/2018. At that time, my previous provider ( LoanCare ) had sent a payment to XXXX County for my property taxes in the amount of {$3100.00}. The amount was returned to LoanCare from the county as no payment was due. When LoanCare received the check, they forwarded the payment to XXXX but XXXX never applied the credit to my escrow account. I received a notice from XXXX that my escrow account was negative and that I owed more money in XXXX. I then called to inquire about where the {$3100.00} was and why it hadnt been applied to my account. I spoke with 2 different agents on separate occasions and neither followed up on the payment. On XX/XX/2018, I finally forced a conference call between the 2 companies. At that time, both companies agreed that the funds were never transferred from XXXX to LoanCare and that LoanCare would need to reimburse me for the escrow shortage. I then began to work with different agents from LoanCare to try to get resolution and payment. I spoke with the company on XX/XX/XXXX and XX/XX/XXXX to try to get the payment refunded to me and neither time did the customer service representative follow through. In XXXX I called a third time and reached XXXX XXXX with LoanCare. After 3 days of calling the company, XXXX informed me that XXXX did in fact receive payment and negotiated the check ( XXXX ) for {$84000.00} on XX/XX/XXXX. This check was sent to XXXX and the funds were for multiple clients accounts. She would not provide me with a copy of the cleared check as it contained other customer information. I then called XXXX to track down the item and spoke with XXXX, ( agent XXXX ) who told me that she would need to research the item and that the process could take until XXXX to refund the money. I feel as though these companies are not following through and taking care of their clients when they owe them thousands of dollars. I have since closed my escrow account so all of the funds are due to me at this point. LoanCare, a XXXX company, Nationwide Mortgage Licensing System ( NMLS # XXXX ) XXXX XXXX, XXXX : NMLS ID XXXX XXXX XXXX XXXX XXXX : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regarding Wells Fargo card account number XXXX On XX/XX/2020, I called the creditor in reference to the above account regarding the debt that I owed them which was on my credit report. I reached an agreement with Wells Fargo to settle the account for XXXX which I gladly paid at the local branch as I needed proof of payment. Wells Fargo has not kept their end of the agreement in that they failed to provide written notification on the account status to me and to the credit bureaus. The file in question continues to report negatively on my credit report which is at this time affecting my ability to purchase a home. 

On XX/XX/XXXX I called Wellsfargo to follow up on the letter and the agent informed me that the letter will be in my hand on XX/XX/2020. 

Today on XX/XX/XXXX, I placed another call to WellsFargo as a courtesy follow up as they have not kept their end of the agreement, their agent XXXX stated that the letter can only be faxed or sent out via US Mail and I questioned him about having the letter sent over via secure email after which he could not answer the questions that ensured. He then transferred me to their Executive Office representative by the name of XXXX who stated that they would open a case file and rectify the matter by XX/XX/2020, which is way too late as it will hinder my closing. 

On XX/XX/2020 @ XXXX, I received an email from a XXXX who stated that she was the one assigned to handle the case and when asked about when the letter would be made available and why the payment has not been reported to the credit reporting agencies she did not have an answer for me instead she stated that she has until XX/XX/2020, which is not going to work as the terms of the agreement were that they would have the information updated by XX/XX/2020, which as since passed at this time. 

This is an urgent matter which Wells Fargo needs to resolve.

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3600.00}, {$730.00}, {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/2016 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3600.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$730.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$750.00} -This is not 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 explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: GA
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:
Im filing this complaint because Equifax will not resolve my issue period, I called Equifax about 10 inquiries on my credit report that they will not remove, these inquiries are fraud I want them removed, I have a monitoring product and ask them to do the job also that failed Im going to cancel that product soon, Im out of work, these inquiries belongs to car dealerships I cant buy a car if Im not working so Im asking Equifax to remove these fraudulent inquiries but please do not put any fraud alert on my credit file, I will continue to file complaints if these are bot removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Alaska Commission on Postsecondary Education # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: BARCLAYS BANK DELAWARE
State: TX
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:
My husband has a credit card attached to my account, I am the primary carholder. 
On XX/XX/XXXX - his credit card was charged, without authorization, XXXX {$9.00} - XXXX XXXX XXXX WY - the amount was small and we didn't notice the fraudulent charge. 
On XX/XX/XXXX - his credit card was charged XXXX {$9900.00}, without authorization - GET MEMBER ACCESS XXXX - XXXX. 
We tried to call the telephone listed which just takes us to an answering machine. 
We contact the credit card and filled a complain about the XXXX {$9900.00} unauthorized charged, they refund us but in the last month statement I notice that they charged us again the amount. 
I called the Credid Card company - Barclay - telling them that both charges are fraudulent but they don't want to refund us the money. 
I had to cancel both credit cards that I have since XXXX. I use that credit card a lot and always made full payment on time.

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 2021-01-28
Company: TCF NATIONAL BANK
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, 2016, I applied for a mortgage, at XXXX XXXX, for a condo in XXXX XXXX Michigan. I wanted a fixed rate loan, but the loan officer told me that she could only offer me an ARM. I told her that I didn't want the ARM - I'd rather back out. She told me that once I had been working a few more months at my job, she would refinance my ARM into a fixed rate loan, with no closing costs. She also signed a formal letter stating that she intended to refinance my ARM to a " standard 15 year fixed rate not to exceed 2.875 % with no closing cost paid be you ''. So, I agreed to the ARM. I have an electronic copy of the letter. 
The first time I called her to honor her promise, she told me to wait a little longer until the national interest rates went back down. I called her every couple of months. Either she wouldn't answer, or say that she would she would get to it right away. She has never honored the promise. The last time I called her was a couple of months ago. 
She has since moved to XXXX XXXX. XXXX XXXX  has been bought by Chemical Bank, which is now TCF Bank. I called TCF, and they refuse to honor the promise because it was made by a bank that no longer exists. 
Interest rates are currently low, but I still can't get her to honor her promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
midland funding have been violation of Federal Law by continue reporting of a debt on my credit report that they cant verify i called them i also have a letter from Midland funding saying the going to delete the trade-line as they couldn't verify it but yet they still reporting it 3 months latter.they are in violation of Federal Law and they should be held accountable The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. 
computer generated letters are all I'm getting back with no human interception.

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 2023-04-28
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to dispute the projected amount of city tax in the escrow analysis dated XX/XX/XXXX. It projected to be {$6100.00} XXXX this year ( see page 2 of escrow analysis ). 
Last year, the city tax was {$760.00} ; in XXXX, the city tax was {$760.00}. There is no reason the city tax will be {$6100.00} this year, the projection is 8 times the previous amount! I don't believe this is a sane projection. 
The customer service refused to change this absurd projection, and insisted that I need to provide official document to prove the future city tax, which is impossible. 

See XXXX for city tax history. 
See XXXX for escrow analysis statement.

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 2021-01-28
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1. we financed an investment property through Sprout mortgage. 

2. XXXX we closed on the property : {$1400.00} monthly principal & interest {$280.00} monthly escrow ( this is for flood insurance only ) {$1600.00} is our total monthly payment *hazard insurance and taxes are not included in the mortgage payment 3. XXXX a letter was sent from Planet Home Lending stating they have bought our mortgage from XXXX. 
4. when the letter was received I created an account for Planet Home Lending and saw they are charging us {$2700.00} per month. 
5. XXXX the mortgage invoice was sent from Planet Home Lending showing our amount due XXXX is now {$2700.00} ( XXXX for home owner insurance + XXXX for taxes= these are NOT in escrow we are paying them out of pocket ) + XXXX for flood insurance ( this is in escrow ) 6. XXXX the annual escrow account disclosure statement was also sent now stating we have a shortage of {$2000.00} in the escrow account. That we owe an additional {$280.00} per month for the escrow shortage. 

THE HOME OWNER INSURANCE AND TAXES ARE NOT IN ESCROW AS STATED IN OUR CLOSING DISCLOSURE Contacts with Planet Home Lending : XXXX sent an email to Planet Home Lending asking them to correct the error on our mortgage. 
XXXX spoke to XXXX who transferred me to the tax division of the company XXXX spoke to the tax division when transferred me back to customer service where I was on old for over 15 min and had to hang up because no one ever came on the line. 
XXXX spoke to XXXX in customer service who advised me not to make a payment she sent the account over for review. 
XXXX mailed a letter to Planet Home Lending showing our closing disclosure stating that only the FLOOD INSURANCE IS TO BE IN ESCROW XXXX spoke to XXXX in customer service who advised me there are notes in my file about the account being under review. He told me to call back. 
XXXX received an email from Plant Home Lending stating that analysis was done and we owe more money due to an escrow shortage. 
XXXX sent another email again to Planet Home Lending stating that XXXX + XXXX for taxes and homeowners insurance are NOT TO BE INCLUDED IN ESCROW. 
XXXX received an email back that Planet Home lending that my complaint was received and would be responded back to by RESPA guidelines. 

I NEED TO SEND A MORTGAGE PAYMENT FOR THE CORRECT AMOUNT THAT WE SIGNED THE CONTRACT FOR WHEN WE PURCHASED THE HOME OF {$1600.00} PER MONTH. NOT THE FRADULANT AMOUNT PLANET HOME LENDING IS TRYING TO CHARGE US.

Company response to consumer: Closed with explanation