BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
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: Account information incorrect

Complaint:
I received a copy of my credit report and I noticed this account XXXX has inaccurate information, the opened date and credit limit are wrong. Since this account is being reported inaccurate, please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New rez bought my loan back in XXXX or XXXX. My payment WAS XXXX and I had just refinanced the year prior so I know all the numbers were correct. Newrez didn't have my loan but maybe 2 months before they raised my payments by almost 90 a month. They first told me we had an increase in taxes. ( I am the # XXXX XXXX XXXX XXXX and XXXX XXXX in my community so I knew that was untrue ) the second call they told me that the escrow department REFUSED to look into it. They are holding almost 1500 MORE than my taxes and insurnace is. I plannned on refinancing but now I have to wait until we are back to work. Then they send me a letter stating they put us in forbearance. We didn't ask for that. Being in the industry i would never ask for that. I know how misleading and damaging that is to someone credit. I requested a call back 3 times ( still haven't heard anything ) on why they did anything with our loan. I just logged on to pay my XXXX mortgage and once again they raised it by another XXXX dollars. They are already holding an extra XXXX dollars. My taxes are about XXXX ( and that is guessing high ) my insurnace is XXXX ... they are holding XXXX a month. Over 6500 a year. This is uncalled for and I believe an abuse of power. I have sent my mortgage info in to the XXXX, state attorney General, you ( now for the 2nd time ) and several mortgage brokers i do business with and all.of them have said this is NOT they way mortgages are to be calculated. Not one. 

This is my second time filing this complaint and the company did nothing but make excuses the first time. What they are doing is wrong and unethical. I have spoke over 50 shell point customers in my area and not one had good things to say. Not one. 

I am looking for the consumer finance department to please help me before I am forced to hire a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A direct deposit in the amount of {$310.00} from XXXX was mistakenly deposited into the account of a third person. 

The money is not the property of this person. Chase was instructed to send the direct deposit back to XXXX so it could be sent to the me, the person whos money it is ( my property ), and the rep did would not help. 

This is not a dispute, this is Chase bank disgorging funds that are not theirs or their account owners property! Chase has converted my property to pay the debt of this third partys account! 

They have converted money owed to me to pay the debt of an account owner who is not even a party to the insurance policy! I am not nor have I ever been a signer on the account XXXX mistakenly sent money to. XXXX told me to contact Chase as they cant retrieve a direct deposit, I did so, and chase refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: PA
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8, 9, and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-05-05
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: Account information incorrect

Complaint:
XXXX has listed XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX accounts can be removed from my credit history.

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 2020-05-09
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: Was not notified of investigation status or results

Complaint:
There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXX - Open date XX/XX/XXXX The following accounts is not mine : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called Transunion to dispute inquiries that where not authorized by me Ive sent letters on XX/XX/XXXX and XX/XX/XXXX and that just this year. Ive sent all the paperwork theyve ask for and yet to remove these inquiries.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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 2019-04-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a loan for {$41000.00} in the year 2009 for XXXX. Only less than {$10000.00} has been subtracted from the principal balance I still owe {$31000.00}. The loan was originally taken out with XXXX but now it is being handled by the company that bought them which is Wells Fargo bank, and I believe the principal balance has been decreasing slowly since they took control of my student loan. Please help me bring my balance to XXXX and options they can put me in that position. Thank you and look forward to your response.

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 2020-05-05
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Wells Fargo repeatedly about their unscrupulous practices and what appears to be fraudulent servicing of my loan. They have misapplied or not applied numerous payments throughout my loan in order to drive my loan repeatedly into foreclosure. Last year, I reported the same activity. I make payments. They hold onto those payments and don't apply them to the loan ; then they claim I didn't make the payment, which they were holding ; then filed a foreclosure action against me. The foreclosure, which was padded, was paid in full, based on their false claims. Then right after the foreclosure was paid, they started the same activity. 

In XXXX, I received a bill stating I owed {$840.00} odd dollars to pay off the loan in full. Rather than make two payments, I paid the entire amount that their website, phone and statement said was owed. They took the money, but didn't apply it. The next month, although I paid the entire amount the bill said was due in XXXX for the entire loan, they added another {$420.00} dollars and said I owed that. When I called and inquired, they claimed that they would look into.I paid that amount. However, they again claimed I owed more money, although I repeatedly paid the amount they claimed needed to completely pay off the prinicipal. Next time I called them, their phone rep admitted that they were holding the money and didn't apply it. They couldn't say it wasn't enough money because they were holding twice the amount of money that I sent them then they bill claimed I owed. They asked if I wanted them to apply the money. Why would I send money to pay off the mortgage in full if I didn't want them to apply it to the account. This same conversation has taken place each month for three months. 

They have repeatedly reported this bill late, although they are literally holding my money, more than what was owed, and falsely reporting it late. They are now threateing foreclosure on a bill that I paid off in full all principal due in XX/XX/2019. They are still holding my unapplied funds and keep generating new bills after I pay each one off. This company is crooked and taking advantage of consumers. I am miffed as to why the government continues to allow them to get away with this fraudulent activity. I have recorded every conversation with their reps and they admit that they have been holding my money and not applying it. Then they keep adding late fees despite me not paying late. But why would I keep paying the same bill off over and over again? 

Ask for the records of their website statement for the past six months and for the phone recordings that told me how much was due. Please determine why after I kept sending that amount of money stated in the bill, they didn't apply it, but generated a new bill.

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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon looking at my credit report. I discovered that the companies listed have placed credit inquiries on my report that I have no knowledge of and did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX I have spoken with the companies and Trans Union and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.

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 2021-09-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington is saying that I'm {$2500.00} past due. I know this isn't true I have been under bankruptcy protection for 51 months and I have never missed a payment. From reading the complaints on their XXXX  record other homeowners say keep your payment receipts and bank statements. I have done all that since Carrington took over my home lown. My payment has changed to {$560.00} and I just paid that and they are showing that payment on my mortgage statement. I keep all mortgage statements and bank statements so they can't say I'm not paying my payment. I am worried when my bankruptcy ends they will try to foreclose on my own even though I am making my payments. I was making my payments with XXXX  XXXX XXXX had my loan but they weren't applying the payments because they wanted to wrongfully foreclose on my own and were in the process of foreclosing on my home even though I was making my payments. Which Is why I had to file bankruptcy to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I provided the debt collector with a receipt that was paid in full in XXXX. They refused to investigate or remove from my credit report. My debt is paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/2017 I paid in full BOTH my capital one cards and was told it would be a one courtesy to remove both from my credit I was lied to I have since disputed this and capital one First .... had dates of late payments and paid times reported ... .. then  changed it all completely with worse dates making me look horrible to creditors .... this shows capital one are lien and are very unprofessional please please help over turn this and FORCE them to remove this please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: Account information incorrect

Complaint:
TransUnion  has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX XXXX accounts can be removed from my credit history.

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 2018-07-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect for an account I never had or opened. This is a fraudulent account that I did not open or affiliate with. I want this collection account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am missing a credit card from XXXX XXXX on my XXXX  report which is my longest standing card and is negatively affecting my credit score. It shows on my XXXX. 
I also have a issue with EXPERIAN not reporting for me AT ALL. I have no score which is affecting me trying to buy a house.

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 2021-09-10
Company: STERLING JEWELERS, 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:
The company have contacted me about my payment that was due which the charge me double for some passed due and I paid it which was in the same month of XXXX and XXXX. But to my surprise when I call to make my payment for the month of XXXX I was told that I have already paid for XXXX. So please I would like for this incorrect information deleted from my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2017 The company Checkr is submitting a background report that is not accurate and they have done this numerous times. I have contacted them through e-mail and phone to try to correct the matter and they will not fix it. They are reporting that there are restrictions on my drivers license and this is stopping me from being able to rent a vehicle for work. There are no restrictions on my drivers license. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please see identity theft report. I have consistently disputed fraudulent account that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit 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 2021-09-10
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXXm really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want the extended fraud alert removed from my credit file under " XXXX XXXX ''. It his hindering to move forward with refinancing my home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HAVE NO CLUE WHO THIS DEBT BELONGS TO AND I HAVE ATTACHED THE PROPER INFORMATION N REGARDS TO THIS ACCT. ALSO I HAVE SPOKEN TO ALL AGENCY TO MAKE THEM AWARE THIS LETTER.

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