BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My FHA mortgage servicer, Loancare, completed a COVID modification and partial claim on my FHA mortgage in order to lower my payments. HUD required them to also add to the partial claim any actual and ANTICIPATED escrow shortage. However, they apparently did not do this and now they have issued me a bill for anticpated escrow shortage of {$2800.00}. This has raised my monthly payment back to almost what it was before the modification and paratial claim, thereby negating any benefit I received. Also, every single time I call to speak to them, they tell me the call volume is too high and refer me to their website or automated system. It's absurd and these people are inept and should not be a servicer for any FHA loans.

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 2022-08-31
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to apply for a loan mod for _____180__ days, and was told I had a complete file XX/XX/XXXX and that I would have a response in 30 days. Then on XX/XX/XXXX they told me that you needed to submit additional documents this was the first you had heard that anything was missing as they did not send you a written notice that the file was incomplete. They are holding up my other application for emergency funds which then holds up my loan mod as well. The mortgage company also does not reply to my emails and has a history of telling me one thing via phone then telling me something exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
the macys account in question MACYS ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.

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 2022-02-19
Company: EQUIFAX, INC.
State: DE
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 been calling Equifax numerous times about unauthorized inquires on my credit file, both dated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. When i have been told so many stories, such as a dispute will be in process, or hard inquires can not be disputed, or I need to file a etc report when In fact, the same exact inquires showed on my XXXX file and & XXXX account and was removed. I requested for validation as to whom gave permissible purpose to even pull my credit for such inquires, no response from the creditor or Equifax. It is my understanding that inquires are factual data & stays on your report for two years however and can not be factual if it's fraudulent and unauthorized. I need written confirmation where this is factual and these inquires were authorized. I have called numerous times to Equifax and sent out several letters. My last conversation was with a rep on XXXXn at Approximately XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
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: Public record information inaccurate

Complaint:
In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A XXXX certified letter dated XXXX XXXX, XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XXXX XXXX, XXXX to Experian requesting the same information and nothing has been done by either XXXX XXXX XXXX or Experian.

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 2022-08-31
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX XXXX I called Exeter finance about my past due balance. I explained I was still out of work on an unpaid medical leave. I asked the agent if I could cancel my cars extended warranty and use that money towards my past due balance? The agent replied with yes you could do that. I told her thank you so much I will call and get that money forwarded to you all. On XX/XX/2022 Exeter received the money and stated it could not be used towards the past due balance. I spoke with a manager and she told me she would give me a call back once she found the call to come up with a solution. On XX/XX/XXXX the manager called back and confirmed she found the call and I was indeed told those funds could be applied to my past due balance. But the manager said she apologized even though I was told that those funds couldnt be applied to the balance. I asked to speak to another supervisor who also said the same yes I was promised this but again I can not do it and they could help with setting up a payment arrangement. I advised Id be reaching out for legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOMEONE USED MY INFORMATION TO OPEN THE FOLLOWING ACCOUNTS FRAUDULENTLY : SXXXX XXXX. XXXX XXXX OPENED : XX/XX/2020 AMT. XXXX XXXX XXXX  XXXX XXXX OPENED : XX/XX/2020 AMT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: MI
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 have names, addresses, accounts, hard inquires on my credit report that is making it hard for me to get credit that should've been deleted off my credit report. Old information that isn't correct that need to be removed and bankruptcies that should've been removed from my credit reports.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have spoken with or written Experian 3x about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was XXXX XXXX XXXX XXXX, they stated the 1st date of delinquency was XX/XX/2019. This impacted my credit negatively by about XXXX points. Then they sell the debt to XXXX XXXX, i did not receive any type of communication for this but the collection account was added to my report as of XXXX and XXXX or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. XXXX stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take XXXX or more points from you when you fall behind but once you get back on track, they want to add XXXX or XXXX points a month to your report and thats not fair!!!

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 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am reporting dispute charges for my CapitalOne credit card ending in XXXX. 

My XXXX and I have been living in central XXXX over XXXX years now. Unfortunately, recently our identities were stolen by a thief in XXXX, XXXX. We realized when some of our credit cards including XXXX, XXXX and CapitalOne were requested to be delivered to XXXX address. We made multiple calls to report the fraud to the credit cards companies, and we have reported to our local police department to file a police report # XXXX, with XXXX XXXX XXXX XXXX ID # XXXX. The contact phone # XXXX, XXXX XXXX Police Department, XXXX. 

On XX/XX/XXXX, I received a bill statement from CapitalOne, the statement shows a transaction on XX/XX/XXXX, FAST CARD FEE of {$16.00} which I believed it was for delivering a card to the thief in XXXX. We called CapitalOne immediately to report this charge and also requested to close my account. Lately I received a confirmation letter of cancellation from CapitalOne. However, on XXXX XXXX, I received a new bill statement from CapitalOne for {$32.00} including PAST DUE FEE of {$16.00} on XXXX XXXX. My husband and I called CapitalOne right away to try to clarify this issue, and we spent over two hours to talk to two different representatives and still did not solve the issue with the bill. Very disappointed and much frustration. CapitalOne either is purposefully attempting to exploit its clients by handling fraudulent and dispute issues, or its employees are so incompetent that multiple calls with countless times have led to my going in circles with various departments, staff, and managers without resolution. Either way, CapitalOnes lack of action is extreme and outrageous. It should not take contracting your customer service line at a lot of times to resolve this issue. CapitalOnes lack of action has caused severe XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: Jon Barry and Associates, 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: Account information incorrect

Complaint:
there are multiple accounts that are supposed to be closed i contacted them all and explained thoes items that i disputed are not mine and needs to be removed and the accounts are supposed to be closed but are still open also

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened up a chase freedom unlimited account on X/XX/17 with a credit line of XXXX, i made some purchases for XXXX. I opened up a chase freedom account a few weeks after with a credit line of XXXX which i never got to use because chase bank closed down both of my accounts. I did not know my accounts we 're closed until my cards got declined at the store. I called chase to see what was going on and they said my cards had been closed. I received a letter stating why the accounts were closed and it said due to rapid increase in revolving credit, and not enough credit information on file. I called and asked them why did they open up not one but two accounts if that was the case, as well as i didnt know i had to spend a certain amount within a certain amount of time. I have credit history on file, so i am not understanding why they would close both of my cards down which one i never used. I feel as though i was targeted for some reason and chase should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am going through a divorce with my ex wife XXXX XXXX. During the proceedings I closed and paid off all of our joint accounts. In XXXX got an alert from XXXX that my usage on my XXXX XXXX had spiked and that the balance was almost {$12000.00}. I called XXXX as I have another card through them and was informed of this card for the first time which is in my ex wife 's name with me listed as a secondary guarantor. I told them on XXXX to close the account and they told me that could only be done by the primary card holder. 

I was then directed to the fraud resolution department which I spoke to on XXXX XXXX, XXXX, and XXXX th. The account was finally closed on XXXX XXXX, XXXX but by then the amount owed had risen to {$18000.00}. I told them that I had never authorized this card and they verified that I have never charged anything on the card. I have since requested a copy of the card holder agreement on XXXX XXXX and was told it was sent. On XXXX XXXX, XXXX I was told it was sent to my ex wife in error. I then resubmitted the request on XXXX XXXX, XXXX and was told it was coming my address which was verified. When I called today and spoke to a supervisor I was told it could only be sent to the primary card holder. 

I then sent a fax as directed explaining my situation again. If they can not provide me with an agreement I have requested they remove me as a guarantror.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Ovation Financial Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My trouble began in  XX/XX/XXXX . Company did not bring my account current when I completed my payment arrangement as agreed in  XX/XX/XXXX . As a result, I was charged additional fees in   XX/XX/XXXX , along with, a default letter fee of {$200.00} filed with additional fees, filed in  XX/XX/XXXX . The balance due in  XX/XX/XXXX  included  invalid fees that were included in the payment plan already completed. I refused to continue paying the company on a incorrect account balance. In addition, the Company could not tell me if I continued to make payments on an incorrect balance, how am I assured payments would be directed to the correct items due. They could not answer that question. I requested for the rep to submit my dispute and to remove ALL fees, ALL default letter fees and ALL late fees since my account has not been accurate since the payment plan ended in  XX/XX/XXXX . I was told on  XX/XX/XXXX  that my account was not " adjusted '' until  XX/XX/XXXX . Therefore, the Company was asking me to continue to pay on an incorrect balance. I was advised by  XXXX  that my current balance included previous fees that should have already been paid off with the previous payment arrangement. Company continues to send me statements that do not itemize what the balance due is comprised of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my XXXX, XXXX and Experian reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: ME
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 have two items on my Experian credit report that are entirely incorrect and need to be removed. I have disputed these two items MULTIPLE times and have provided documentation as solid proof that these items should NOT be on my credit report. The first one is from XXXX XXXX, claiming that I owe {$2700.00} from XXXX. I DO NOT owe XXXX XXXX a single dime. I had opened an account with them in early XXXX, but ended up CLOSING the account THE VERY NEXT DAY due to a complete lack of cell coverage in my area and I immediately went back to my previous carrier. I had problems with XXXX continuing to bill me after I closed the account, but I dealt with their executive relations office, who wiped out the balance and assured me that the account was closed, that the balance owed was ZERO, and that there would not be any future bills. However, about months later, they hit my credit report with this entirely false, slanderous information. I have attached a copy of this email from XXXX 's executive relations that clearly proves that I DO NOT owe this balance and that this credit reporting is blatantly FALSE. 

The second item is from XXXX XXXX XXXX. This was from an auto loan that belonged to my LATE HUSBAND, and had NOTHING to do with me. My name was NOT on this account. My husband passed away on XX/XX/XXXX, and I have uploaded a copy of his death certificate. This item needs to be immediately deleted from my Experian report as it is NOT my account and I have no idea how it ended up on MY credit report. 

I now can not even file any disputes on either the Experian website or mobile app. I receive an error message every single time I try, and I've been trying for the past two weeks. If these twXXXX inaccurate items are immediately deleted from my Experian credit report, I will have no choice but to take legal action in a court of law and seek monetary damages against Experian for false credit reporting and slander of my consumer credit file. See attached documents with this complaint.

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 2022-08-31
Company: ID Analytics, Inc.
State: TX
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:
XX/XX/2022 submitted complaint because XXXX XXXX provided the 3 credit bureaus with information regarding a bankruptcy it pulled from PACER, a system of record used by the federal government. I did not give XXXX XXXX any permission to report the information and the Court of Record did not instruct them to report the information or validated the information. 

As of XXXX XX/XX/2022, the company is using a stall tactic to delay removing the information stating it could not verify my identity. I am not sending the in as a new investigation. I demand immediate action from XXXX XXXX to clear my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Financial Credit Network 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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: FL
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:
This is in regards to my last complaint XXXX Equifax failed to provide me with all documentation that I requested to show proof of investigation. 

I asked Equifax for validation showing documentation with any of the inquiry accounts bearing my wet ink signature authorizing an inquiry. Equifax also failed to provide documentation giving my consent to publish this information without my consent. If they did the proper investigation and contacted me before publishing they would have known I did not consent to any of these inquiries. Equifaxs reasons for putting these inquiries on my consumer report do not have anything to do with the laws previously stated in my original complaint. 

I would like to remind Equifax of XXXX XXXX XXXX Information Solutions Inc ( XXXX XXXX and XXXX XXXX  Equifax Information Services LLC ( XXXX XXXX  These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer, instead just took the debt collectors word. I have faith that your establishment will do the right thing and not have to follow in these steps again. If you do not provide proof the inquiries are valid through my wet ink signature then DELETE the information from my report. 
I expect a response within XXXX  days. If not I will expect that the items in question will be permanently expunged from my record. 

Inquiries- XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards, Done in good faith. Without prejudice. All natural alienable rights reserved. 
XXXX : XXXX

Company response to consumer: Closed with explanation