BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: PLAZA HOME MORTGAGE, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Plaza home Mortgage inc .has put forced insurance on my house after they rejected to my policy in XX/XX/2018 they then took more money from my bank account and said I signed a agreement that they can take what ever out of my account so I stopped payment on them taking it out payment that was XXXX became paymentXXXX which they know I dont get I'm XXXX. Then when I contacted the supervisor XXXX XXXX he said that there was a problem with the insurance that get in touch with my provider and send the insurance back to XXXX that they would not charge me for check return and payment would be made at the end of the month. That didn't happen they sent the check back through the bank costing me again another overdraft fee plus there 20 on each one. I called back on the following morning and they said that they dont know XXXX is but he does work there .but no one knows who works there. Plaza home Mortgage company is junk I've been fighting with them since I purchased my home .they put I was 2 months behind on my credit which I was not .there crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX and XXXX did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year 2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CORELOGIC 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 have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Email : 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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have spoke with XXXX a supervisor at XXXX XXXX today, at XXXX XXXX est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on XXXX XXXX, 2016

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 2021-04-25
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This IS Cellular account was an ex boyfriend whom owned the account. I was not account holder. I have always used prepaid services. This account is from 2012. And just popped onto my credit. It was removed once a couple years ago and came back now. I do not feel I owe this money as it was not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/2020 XXXX XXXX. I requested my free annual credit report from Transunion and was in the process of disputing accounts over 7 years, incorrect info, and viewing the rest of my report. Then the page closed or timed out. Not sure how as I was typing my dispute. I tried to get back into my credit report and Transunion claimed that they could not validate my identity after validating it he first time. I have filed several disputes and they never get resolved as the other bureaus. Transunion is practicing outside of the laws and regulations involving credit reporting. I am a public service worker in the process of getting my student loans forgiven and they report them as potentially negative accounts. Some accounts were settled and over 7 years and they refuse to removed them from my credit report There are hard inquires which I did not authorize and Transunion refuses to remove them from my credit report. This is against the law and I am very tired of Transunion. Please resolve the issues or I will have no choice but to seek legal council. 

Thank you. 
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 2021-04-29
Company: FIRST NATIONAL BANK OF OMAHA
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:
My account with First National Bank of Omaha became delinquent on late XXXX and was closed on XXXX XXXX. I since called and settled with them. 
While I was approaching seven years, they changed the closing date to XX/XX/XXXX, and now to XX/XX/XXXX. 
This morning I woke up to see that my close account has been reported late for the past 18 months. 
I called to report the issue, the representative decided to yell at me and hang up on me. 
Not only this is inaccurate, it is hurting my credit. I am asking that they send a deletion letter to all the reporting bureaus to make this right as soon as possible.

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 2019-03-14
Company: Carvana Group, LLC
State: VA
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 bought a XXXX 2015 XX/XX/XXXX from Carvana aroundXX/XX/XXXX. I bought the car and then traded it in for an XXXX XXXX   2015. When I did this, I had XXXX send the payoff amount that they quoted me, to themselves for the XXXX. Carvana/XXXX is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to XXXX  and Caravan and it was approved. The issue here is that on my credit, XXXX  shows a charge off amount for the XXXX   on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX off my credit as I properly traded that car in for the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX got a call from a collector. Mentioned a payday loan that I did default. I paid them. Then today XX/XX/XXXX I got a call from another collector and said to pay the same pay day loan. Thinking this was another payday loan, I paid this guy. Later to realized I paid two collectors for the same loan.

I paid {$760.00} in XX/XX/XXXX and {$560.00} today. I think the loan was originally {$300.00}. I need to find out who
was the company that called me in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: American Credit Acceptance, LLC
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:
Here again with yet another account that is closed and was paid in full, but XXXX has just reported that in XX/XX/2021, the account is 60 days late. This account was closed and paid in full in XX/XX/2021. This account should no longer be receiving any updated information. Its CLOSED!!! Please correct this erroneous error immediately. Thank you

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 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX  and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called XXXX XXXX XXXX at XXXX I initially spoke with a lady named XXXX at ext : XXXX I told her our situation with XXXX XXXX XXXX XXXX and explained how our claims were never billed properly and now this has gone to debt collectors and affected my credit. She advised us to pay the {$2200.00} and make this go away. I got off the phone with her called my husband and we decided we would pay the amount listed above even though we were not due these charges just so this would all be done with. I called back and spoke with XXXX at ext:XXXX on XX/XX/XXXX and paid the amount in full from my debit card. The amount never cleared our bank account that day or on on XX/XX/XXXX so on XX/XX/XXXX I called my bank and they told me the transaction was declined because we have a {$1500.00} daily limit on our debit card but she could increase the amount for me on XX/XX/XXXX so I could pay the bill. I called back on XX/XX/XXXX and spoke with a XXXX XXXX at ext : XXXX and she again processed this transaction for me giving me a confirmation number of XXXX. I again never saw this amount clear the bank account. On XX/XX/XXXX I received a call from a second debt collector regarding this same claim. I then called XXXX and asked what was going on they told me the debt had been sold back to XXXX XXXX XXXX XXXX XXXX and they could no longer give many information about this claim. I asked about my confirmation number and the lady I spoke with on Friday and they said there was no transaction processed.

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 2019-03-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Bank, Home Mortgage closed my mortgage loan in XXXX of XXXX and opened another mortgage loan account without my knowledge, and there has been nothing but accounting errors on behalf of Wells Fargo Bank ever since. Wells Fargo Bank has been sent copies that 2 payments were made in XXXX XXXX. One on XX/XX/XXXX and another made on XX/XX/XXXX. These payments were not applied to the mortgage loan. All other payments made after this were applied until XXXX XXXX. Payment made on XX/XX/XXXX was not applied to the loan. Two payments made in XXXX were misapplied. All payment from XXXX XXXX have been misapplied to the mortgage loan account by Wells Fargo Bank employees. Including the payment made in XXXX of XXXX. Again, Wells Fargo Bank and it's employees have made numerous errors on my mortgage loan. Wells Fargo Bank refuses to accept responsibility for the errors made by it's employees and their online site, which is not secured. This is Wells Fargo Bank 's responsibility and Wells Fargo Bank refuses to take the responsibility for it's own failings in this whole matter. Instead, Wells Fargo Bank continues to add interest, late fees, and other fees and claim it's all part of the principal of this loan. Wells Fargo Bank employees are irresponsible making Wells Fargo Bank responsible for these errors. Wells Fargo Bank has tried passing off information on all XXXX payments that is completely wrong and refuses to acknowledge that Wells Fargo Bank does not have an accurate accounting of all payments made, including XXXX of XXXX. Wells Fargo Bank claims they attempted to call me before XX/XX/XXXX, however there is no record of any attempts of contact made by Wells Fargo Bank, Home Mortgage on this date or any other date. There also has not been any statements sent to me by Wells Fargo Bank, Home Mortgage in XXXX. This proves that I have paid my mortgage loan in full. Otherwise there would be statements mailed to me on a regular basis. The only way I have gotten any statements from Wells Fargo Bank has been by filing these complaints.

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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-04-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/21, I stayed at the XXXX XXXX in XXXX, Oklahoma for two nights. On XX/XX/21 my Citi XXXX XXXX  was charged {$290.00} for the stay. In addition to my card being charged, I have had a hold on my credit card for {$350.00} since XX/XX/21. I called XXXX XXXX and they said they released the funds on their end and even checked to see if my card was double charged and they determined it was not. This hold of {$350.00} is going to prevent some of my regular monthly charges from going through on XX/XX/21 and will cause me to incur late fees. 

I called Citi and spoke with a Supervisor and they said they can not do anything about it and the hold will roll off in a month. They stated this is how they handle a lot of hotel vendors. I then tried to increase my credit line to cover the hold and they declined the credit card increase and did not provide a reason. Citi is gauging their customers once again. Do not get this credit card or a XXXX Membership!.

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 2019-03-14
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This collection company keeps calling me concerning a XXXX XXXX XXXX credit card account, but they have failed to provide : the name and address of original creditor, a copy of the original signed contract, delegation of authority to collect the debt, and a complete accounting of payments, interest and any fees associated with the alleged debt, per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Freedom Mortgage Company
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I did a streamlined refi that closed in XX/XX/XXXX. On XX/XX/XXXX I was sent a letter by the city saying my property tax had not been paid. I sent an email to Freedom Mortgage on XX/XX/XXXX asking why it hadn't been paid and what happened to the money that was in escrow. No response. A call to the city XX/XX/XXXX to see if the payment had come in since they sent the letter. No payment received. I called Freedom Mortgage on XX/XX/XXXX. Spoke to XXXX. Research should be done by Tuesday, call on Wednesday. Called Freedom Mortgage XX/XX/XXXX. Spoke to XXXX. Completion date is XXXX. That means research should be done that day. I asked for written notification of resolution. On XXXX I received a notice from Freedom Mortgage that I no longer had insurance on my home. This should also come out of escrow. Called my insurance company. Insurance was paid XX/XX/XXXX and was good through XX/XX/XXXX. Called Freedom Mortgage. Confirmed insurance issue was resolved. Asked to be transferred to tax department. Spoke to XXXX. Research was expected to be completed today but there are no notes. XX/XX/XXXX. No response yet. emailed them again. XX/XX/XXXX, no email from them yet. emailed them again. XX/XX/XXXX. Called city to see if taxes had been paid. No. Balance due has increased again because it's late. Called Freedom Mortgage again. Spoke to XXXX. The last note is from XX/XX/XXXX. States they are waiting for Single Source Title to verify payment was sent to the city for taxes. I asked for their number so I could confirm. He stated they did not have that information. I asked to speak to a supervisor. After waiting 20 minutes, the call was disconnected.

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 2020-12-03
Company: Experian Information Solutions Inc.
State: NJ
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:
On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: AL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} Date OpenedXXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/2019 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4600.00} Date Opened : XX/XX/2019 XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/2019

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