BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: LoanCare, LLC
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was dbl charged for a mortgage payment XX/XX/2016. As soon as I realized what had happened I called to get the issue resolved. The representative at that time said there was nothing that they could do until they had proof that the check had cleared. 
The check cleared, The automatic debir payment also cleared at that time and I have sent their reps proof by sending electronic screenshots and copies of the bank statements to that effect. 

Evidently this is not proof enough for them. 
They want extra effort on my part to contact the back and receive additional documentation that the bank said they would provide for a fee. 
In effect I will be paying an extra fee to my personal bank in order to get the money I am owed from my mortgage servicer that they took in error in the first place. 
have been trying to get my money returned and the LOANCARE officers are making it as difficult as possible for me to get my payment returned. 
to resolve the problem I expect my money to be returned to me in

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 2015-12-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was just transfered to Carrington Mortgage Services. I 've had several home loans and this has been by far the most difficult one to work with. I pay extra on my mortgage every month. However, they make it very difficult for you to do so. I can not pay extra via their website. It shows the options to do so, but they do n't work. The most I can pay is my mortgage payment. My options are to call in and give a stranger my checking account info every month. Which they entered wrong the first month and did n't work anyway. Regardless, very time consuming to pay a single bill every month. I also, can make multiple payments to accomplish this. Since I ca n't make a larger payment, I have to make multiple payments. However, I can only make one per day via their website. It becomes a multi day hassle. Even so, I still will have to call to make sure the extra money under the other option is still added to the correct place. They also told me, I could pay extra provided I pay on or after the first every month via the website. That was a lie. Still does n't work. I 've never encountered a place to difficult to pay a bill. I 've had several car and home loans and by far the most difficult one to work with. They make it very hard for you to pay extra potentially trying to make sure your loan is dragged out as long as possible, making them more money and costing the consumer more. They need to make their website be able to take larger payments. Telling me that they 've had lots of complaints and " that 's just how it is '' is unacceptable. If they ca n't fix it, I would request my mortgage be sold to another company. No other mortgage service I 've dealt with has been this difficult to work with. I should not have to spend this much time and effort to pay a single bill every month. It is n't fair to me, especially when I pay on time or early every month. It should n't be a punishment for that and wanting to pay extra to pay off my loan. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX held by Carrington Mortgage Services for property atXXXX XXXX, CO XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: FACTUAL DATA CORP.
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: Reporting company used your report improperly

Complaint:
I was filling out a mortgage calculator through XXXX XXXX website is XX/XX/2019. I was simply just trying to see what the mortgage would be on a house I had come across for sale. The website asked for basic public information and I provided it. This was not some lengthy application, I filled this out while standing in line to check out groceries. I assumed they were collecting information so they could spam my email to death with lenders in my area for potential mortgages. However, within minutes of finishing filling out the form I started receiving calls from all over the country. I answered one call & the gentleman rattled off my social security number which I absolutely did not provide. Shortly there after I got a notification from XXXX  XXXX  stating Factual Data had pulled my credit without my informed consent. I contacted XXXX XXXX to put a stop to this immediately and froze my credit. However, I have been unable to get the hard inquiry removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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 Went to a car dealership and I was already pre approved through my bank for a car loan that I actually didn't end up purchasing because of other various reasons.But to make it short I was already pre approved for a cal loan so there was no need to run my credit, because the bank already had a letter in the amount of what I was approved for but they insisted they could get me a better rate in which i was already happy with the rate that my bank had given me. So I would appreciate if these hard inquires can get taking of my credit report because it is inaccurate and if you look at my credit history I am usually good when it comes to paying on time and being in good standing with my credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I made my XX/XX/XXXX mortgage payment. At the end of XX/XX/XXXX I made my mortgage payment for XX/XX/XXXX. Everything was fine until about XX/XX/XXXX when I started receiving late notices. I did some research and found that LoanCare had applied my XX/XX/XXXX payment towards XX/XX/XXXX. So instead of recording XXXX separate months payments as they should have they showed XXXX payment for XXXX. I called and got it resolved without issue. I was assured that this was their mistake and it would not affect my credit score. I have filed a dispute with XXXX with LoanCare but they refuse to change the late. The account was never late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called and ask how much would it be to get off of my credit report the lady said {$93.00} and itll be gone

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 2017-05-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XXXX 2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.

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 2016-08-08
Company: Reverse Mortgage Solutions, Inc.
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My XXXX yr Old Mother is being Harased and Intimidated by RMS reverse Mortgage XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX by XXXX XXXX XXXX XXXX XXXX. She was in the Hospital and RMS was told this and Started Foreclosure proceedings. The reason was that she was not occupying the property. When she came back home she started getting the Notices. We were told to have her sign return the Occupancy Letter. There was never any occupancy letter ensclosed. Only form to surrender the Property and hand over the keys. The Loan Balance is XXXX K the Home is appraised at XXXX. This is predatory lending practices to take a large amount of equity away from an unsuspecting XXXX person. I can never reach XXXX XXXX hes always Not Available or out of the office. We get the letters sent by Special Delivery on Saturdays when there office is closed My Mother who is XXXX. This has been going on since XX/XX/XXXX. We have faxed over utility bills and a signed letter that my Mother resides at our residence. The Company has stated that the loan will be taken out of default and Reinstated but they refuse to send us anything in writing. Last weekend we received yet another letter again threatening foreclose for unpaid taxes. I have paid all the taxes current. The letter even states the amount owed for taxes is XXXX. But they keep sending the forms to let the property go to them so they can steal all of our equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivable Recovery {$220.00} for all debts I had on my credit report on XXXX/XXXX/2015 by Debit Card to XXXX XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-12-17
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage servicer is trying to foreclose on my home. They 're saying that I failed to meet the requirements of my modification trial payment period. They sent me some documents via XXXX. I signed them and sent them back via the prepaid XXXX label that was required for me to use. I made copies of all documents sent to me. They 're saying my first payment was due XXXX XXXX, 2015, my documentation ( from the company ) says that my first payment was due XXXX XXXX, 2015, which was paid. The servicer is saying they have n't received the payment, which I know they have via bill pay through my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to the fact that my choice above on why this is a false statement case if not above for me to choose. I have to explain my case here below. and I am just picking one so I can file this case.I file a case with the CFPB in XX/XX/2016 case number ( XXXX ) on Account Resolution Services. They replied back that they are registered and bonded by the State of Texas to collect debt. That is a false statement that they reported on my credit report. I have the proof that they are not in legal standing with the State of Texas they should be removed from my credit report. On the grounds of Services because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State.

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 2017-05-23
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX  Are just a few of the dates I 've sent Letters of Dispute to Ocwen/ XXXX   XXXX  re : Disputes on several Descriptions on Payoff Quotes. I 've provide d Proof of Payments from my Online ban king with  XXXX  and still had to pay the disputed amounts on  XXXX / XXXX / XXXX  to clear title and close home without going into  Breach of Contract for  not closing on time.     The amounts disputed are on the  XXXX   XXXX   XXXX   XXXX   Seller 's Statement : {$3900.00} owed for interest, which, again, I provided Proof of Payments, Escrow advance of {$340.00}, {$600.00} Projected Property Inspection fee, {$270.00} Proof of Claim and adjust double charge on Ocwen paying Property Taxes thru  XXXX / XXXX / XXXX  and closing occurred on  XXXX / XXXX / XXXX  and title company collected for  XXXX / XXXX / XXXX  to  XXXX / 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 2020-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX - XXXX XXXX Balance : {$3200.00} XXXX XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXXBalance : {$1700.00} XXXX XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$520.00}

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 2016-10-06
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Getting calls from a number from a company claiming to be Midland. Caller says name is XXXX XXXX and he threatens to deliver papers to my place of employment and a case is being filed against me. I 've already been to court and settled with Midland.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX - XXXX XXXX Balance : {$3200.00} XXXX XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1700.00} XXXX  XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I took a leaser from Nissan motor acceptance corp in 2006. XXXX XXXX and I agreed to a 36 month lease with me XXXX/XXXX/2006. 
XXXX Dealer XXXX lied and deceived me wrote the contract at 42 months and did not notify they changed the terms based on what we agreed to verbally. Even though I only agreed to 36 months at {$430.00}. I paid all 42 months and they told me when I moved to XXXX XXXX forced me to double pay upfront taxes I had already paid at the beginning of the loan and now pay {$560.00} per month which was not in my written contract. I was over charged and lied to on this loan. Then after I returned the leased vehicle in perfect condition and they said i didnt owe anything. They have wrote me up on the credit bureaus as a charge off. Then they have continued to lie and give the credit bureaus wrong information dates that are wrong and more recent so the debt stays on my credit report. 
This company has lied to me, over charged me, lied to the credit bureaus, sent incorrect information to keep a debt on my credit report which has costs me thousands of dollars and effected my ability to rent apartments and get credit. I paid was was agreed and more they lied and continue to deceive the credit agencies to try and collect money they are not owed and seriously negatively affecting my credit for over 5 years. Please contact this company and make sure that delete this charged off debt I have never owed off my credit report. 
I also want to be paid back all the money i over paid in tax on this loan. I never owed them money. they owe me money. Also this debt is out side of the statue of limitations nissan keeps lying about the dates to keep the debt on my report. That is very wrong and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Townstone Financial Inc
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have recently began studying for the Federal ( XXXX ) for my NMLS certification. In the last 3 days I have learned more about unethical behavior as it pertains to lending than I have ever learned in a lifetime of " real world '' experiences. When I purchased my home in XXXX ( and refinanced in XXXX ) I was NEVER told about any of the required disclosures which would have afforded me the opportunity to make a truly informed decision ( especially as it pertains to rescission ). My monthly payments were never what was promised during closing, I have no idea what my true APR is currently and after closing I was asked to pay an additional {$3500.00} in closing costs " off the books ''. I felt rushed, bullied and pressured to sign ... but I had a family that needed a residence ASAP and I had to provide. 

I want to know what recourse I have currently to either restructure my loan, recoup expenses for the trauma it has caused my family or have this XXXX loan forgiven at the expense of the lender ( who has since sold my loan to XXXX, XXXX other people ). Since learning all of this information as a result of my studies I am, needless to say, infuriated that even after the XXXX deliberate destruction of our housing economy I am still experiencing ( and PAYING FOR ) these types of predatory actions! 

I did my business with Townstone Financial out of XXXX, IL. I can provide all other required information at your request. Thank you for looking into this matter. 

XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation