BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: Santander Consumer USA Holdings Inc.
State: CT
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:
I have disputed this item on my credit report stating factual errors on my credit report that the credit bureaus has consistently failed to investigate regarding my Chrysler Capitol Acct # XXXX Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
15 U.S.C 1681 Section 602 ( A ) states I have the right to privacy 15 U.S.C 1681 Section 604 ( A ) section 2 Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On a regular basis, annually, I get threatening correspondence regarding my mortgage with OCWEN LOAN SERVICING, LLC. XXXX last case was # XXXX XXXX which was only resolved with the help of CFPB!! THANK YOU ) I have been up to date with " all '' my XXXX payments! 

Again, on XXXX XXXX, 2017 I received correspondence, dated XXXX XXXX, 2017 from this company, that my XXXX 2017 mortgage payment is past due. 
I have paid the full amount of {$1400.00} ( interest and principal ) on XXXX XXXX, 2017 by 'CERTIFIED MAIL ' which according to the XXXX was delivered to them on XXXX XXXX, 2017 at XXXX. My XXXX 2017 payment was the forty-ninth ( XXXX ) payment I have made to OCWEN, who bought the mortgage years back from XXXX BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
tried to get a modification through carrington mortgage services, that 's who services my loan. I am 7 years behind on payment do to lay offs, been working steady last 2-3 years making XXXX more dollars a hour then when I bought the house. I been trying to get a modification for years and no luck. I have filled out and sent back modification after modification to be turned down. XXXX tried to help, We had 2 meetings, 1st one carrington said it looked good and might be able to help us. 2nd meeting did n't say much, know I am heading for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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:
I am a victim of identity theft and XXXX  XXXX, XXXX XXXX as well as XXXX XXXX  has fraudulent information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and cXXXX XXXX XXXX XXXX as well as IXXXX XXXX has fraudulent information 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 2022-05-16
Company: Prosper Marketplace, 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:
I entered into a written settlement agreement with Prosper and satisfied the terms of the settlement agreement. The settlement agreement ( copy attached along with other correspondence ) clearly specifies that Prosper " shall notify the credit reporting agencies that it reports to that Borrower 's account has been settled in full ''.

Prosper is instead reporting my account as " settled for less than the full balance '' which is considered a derogatory account on my credit. 

I have exchanged numerous emails with Prosper and Prosper is now claiming when a settlement is completed, there is only one credit reporting update that is sent to the credit bureaus which states the loan has been settled. The credit bureaus display this reporting as settled less than the full balance. 

This not what is stated in the written settlement agreement. If this was the case then Prosper should have disclosed the following language in the settlement agreement : " You confirm your understanding that the credit reporting agency will reflect your account as " settled for less than the full balance ''.

This significantly impacted my credit score and has delayed me refinancing my home and rates have increase by 1.5 % since this was reported in XXXX. 

This needs to be brought to light as there are likely hundreds of folks like me who have been misled.

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 2015-07-08
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Early in XX/XX/XXXX, I refinanced my mortgage with Flagstar Bank and agreed to a monthly payment of {$1300.00} with a XXXX-year term. However, Flagstar Bank and its vendor XXXX underestimated my city taxes by approximately {$1100.00}. The actual city tax bill is {$1100.00} and Flagstar estimated them at a yearly rate of {$16.00}. Therefore, I recently received notice that my bill will go up nearly {$200.00} to a new monthly payment of {$1500.00} as of XX/XX/XXXX. 
So far, I have contacted XXXX XXXX and XXXX XXXX about this problem, but they were not able to offer an agreed-upon solution. Through this process, it was uncovered that XXXX did not pay the XX/XX/XXXX city tax bill, which resulted in a delinquent fee. The interim bill was made available in the XXXX half of XX/XX/XXXX. I received correspondence stating that they did pay it in full and also paid the delinquent fee, since they made a mistake. Please see the attached copy of the bill. 
Furthermore, when I got my first loan with Flagstar before the refinancing, the company escrowed {$360.00} per month as of XX/XX/XXXX. The new loan shows a monthly escrow of only {$320.00}, even though my taxes have not come down. In my opinion, this is a negligible error that could have been avoided if Flagstar Bank would have researched the loan and taxes correctly. There is no way that school taxes could be well over {$1000.00} while county taxes were assessed at merely {$16.00} for the entire year. Furthermore, this is a new house worth {$380000.00}, so the low county tax should have been questioned during refinance. If this would have been done and if Flagstar would have contacted its third-party vendor XXXX, Flagstar should have been able to uncover the actual, correct tax amount for county taxes. 
There is no doubt that taxes do increase from time-to-time ; however, a newly built house that is worth {$380000.00} is responsible for more than {$1.00} per month city tax bill. This is an error that was not caught by Flagstar Bank and ( or ) its vendor when the company assessed the city tax bill to be {$16.00} when, in actuality, the bill is {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Avant Holding Company, Inc.
State: MI
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:
To Whomever Concern, On XX/XX/XXXX. The Original Creditor AVANT/WEBBANK added a collections account on my credit report per XXXX XXXX XXXX XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company XXXX XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. AVANT are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO XXXX XXXX XXXX, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. AVANT immediately sold the collections account to XXXX XXXX XXXX Without any acknowledgment XXXX XXXX XXXX is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with AVANT/WEBBANK OR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is charging a bill that I never owed. I never opened an acct with them. It 's foe {$79.00}, and XXXX has already removed it, however XXXX has n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions 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:
Experian refuses to reinvestigate accounts that were " certified '' by a creditor which is a violation of FDCPA. I filed a police report on XX/XX/2020 and submitted it to Experian and I spoke to an Experian supervisor in XXXX XXXX and they refuse to block the accounts which contain charges due to identity theft stating that they can only block an account once. This complaint is my effort to remedy this error without litigation as the reporting errors have caused me to be denied by the SBA for Cares Act Loans which has caused me XXXX  in damages.

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 2015-05-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I vacated the house I owned in XX/XX/XXXX or XX/XX/XXXX. My wife at the time moved out and I could not afford all of the bills I had on my own. I filed for bankruptcy and moved to an apartment. I surrendered the home in bankruptcy. I have no interest in moving back into the home, since I have started a life in a completely different area. I have taken excellent care of my finances since that time. I would like to buy another home in the near future and I am approaching the necessary waiting period after bankruptcy. However, since the bank never moved forward with foreclosure on my old home, it still appears on my credit report as mine. Also, once a foreclosure would take place, another waiting period would begin before I could buy another home. Realizing this, I contacted a real estate agent and foreclosure lawyer and initiated a short sale XX/XX/XXXX. We are at the one year mark now and the process is still not complete. My lawyer has been great about keeping on top of this and trying to move it forward as much as possible, but the bank continues to delay the process. Many of the issues the bank has been bringing up simply are not applicable to someone in my situation. They have had me provide my budget several times and have asked for me to provide evidence of insurance on the home. I keep telling them that I surrendered the home in bankruptcy over 5 years ago. The bank is Carrington Mortgage. They took over the mortgage from XXXX XXXX XXXX. Please contact them and ask them to move the process forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have requested a validation of debt from Midland Funding with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: FIRST HORIZON BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
First Horizon Bank took over my Mortgage at Iberia Bank, and unlawfully issued duplicate insurance policies, because they failed to bring over the insurance information and the policy number covering the property. 
Then they billed me an extra {$10000.00} / month. I send them the copies of the policies, and it took them over 40 days to cancel the duplicate policies and fix my monthly payment amount. Meanwhile they did not accept anything but the full incorrect payment until it was fixed. Now, they are reporting me as 30 days late for XX/XX/2022, even though they recognize the error and their reps contacted me to ask me for to forgive them, and for more time to issue the corrections, see letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Capital Accounts, LLC
State: CA
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:
Writing a claim against the collection agency going by CAPITAL ACCOUNTS. 
Capital Accounts send a collections letter via-mail on XX/XX/XXXX, in which we responded to them on XX/XX/XXXX. 
I disputed this collection for the following reasons ... This medical bill was issued on ; XXXX, and tried to be collected in XXXX. It has passed 8 years since this medical bill was even issued. 
This case was due to an accident which involved my medical insurance, and supposed to be billed and paid by them. 
The collection agency did not honor my legal right, and went straight to hurting my credit. 
I am looking to take them to court, but I do not see any offices affiliated with them in California. 
I would like to open a case against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Constant calls at work even after they were told this is my work number and I am not allowed personal calls. told them they are only to contact me at my home number. Calls seem to be comming from XXXX as they all have an XXXX accent and are hard to understand. Ready to file a suit against them. Same company but different numbers when they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: DC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Social Finance, Inc.
State: MO
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
My bankruptcy was finalized before the reaffirmation could be XXXX, so XXXX sold the loan and the new company ( Carrington ) is now reporting the mortgage as well on my credit report as " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, 2013 ''. So why are both XXXX and Carrington allowed to both report this when there was only XXXX loan that we continue to pay and pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone attempted to open a Discover Credit Card in my name. I did not have anything to do this with nor any knowledge of this happening. Discover contacted me and notified me of this. This hurt my credit score and I just want to be safe that I do not get my identity stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MN
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:
Hi This is XXXX XXXX SSN ; XXXX, I sent you a letter last month and I was expecting to get a result or at least a response but until today ( XX/XX/2022 ) I still haven't gotten any. I joined an online discussion about XXXX credit repair online and I learned from some people that you were supposed to provide a response according to FCRA or I file a complaint. Please look into my issue because it's affecting my ability to obtain credit.

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 2016-02-19
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am requesting hardship assistance. However I am being told I do not qualify for any assistance because I received a modification last year. I am also being told I had XXXX repayment plans, this is inaccurate. I requested a supervisor to contact me so that we could resolve the repayment plan discrepancy. But I have yet to receive the phone call. time is of essence i have no been referred for foreclosure action!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: Public record information inaccurate

Complaint:
Lundquist Consulting , Inc. ( LCI )  is reporting a bankruptcy on my credit report from the US Bankruptcy Court XXXX XXXX of New York. 
I have a letter from the court stating they do not report to credit bureaus. Or to any third party credit monitoring companies. Nor do they verify or validate any information pertaining to any bankruptcies. 
Lundquist Consulting , Inc. ( LCI ) is falsely reporting this information on my report and to all the credit bureaus. 

I've attached the letter from the court stating as such.

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