BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-28
Company: RoundPoint Mortgage Servicing LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, NC XXXX ; Cust. Serv. XXXX, acquired the mortgage on my rental property in XX/XX/XXXX. XX/XX/XXXX-XX/XX/XXXX, they requested proof of hazard insurance both by mail and by phone, which I provided. XX/XX/XXXX, I received another letter, telling me that XXXX would purchase a " forced '' hazard insurance policy XX/XX/XXXX, because I had not responded. At that time, I called XXXX again and re-sent the Hazard Insurance certificate via PDF/email. The representative on the phone verified that the certificate was received and the policy would not be needed. XX/XX/XXXX, I received a statement from XXXX, showing that {$3400.00} was credited back to my escrow account, as the charge for insurance was reversed when proof of insurance was provided. It appeared the matter was resolved. 

Then, on XXXX/XXXX/XXXX, I received a letter from XXXX stating that I had a " projected Low Escrow Balance '' and that on XX/XX/XXXX, my escrow balance would fall below XXXX. As such, my automatic payment would be adjusted to withdraw an additional {$140.00} per month to make up for the projected shortfall of XXXX. After speaking to XXXX uninformed and sarcastic representatives on the phone, I was informed that this charge was for lender placed hazard insurance. One employee explained it was because the Insurance company had only credited Roundpoint half of the XXXX charge from XX/XX/XXXX. The second employee told me that I had provided a policy that began on XX/XX/XXXX, and so XXXX needed to purchase insurance ( purportedly in arrears ) for XX/XX/XXXX - XX/XX/XXXX. Neither of these employees could explain why my forced lender policy was approximately 10 times the cost of my condo associations hazard insurance.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX and TransUnion credit bureaus was dated XX/XX/XXXX 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 XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

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 2016-08-18
Company: TCF NATIONAL BANK
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was charged overdraft fees on my TCF checking account. I had XXXX transactions where from my debit card where I had a positive balance. I charged XXXX, XXXX, XXXX, and XXXX ATM withdrawal from my checking account which I had a positive balance at the end. Then the next day. I made a debit card payment for XXXX which overdraft my account. At the time of the overdraft I had a positive balance of XXXX so that should 've left me with a negative balance of around XXXX. But instead the bank processed the large transaction first which resulted in me getting overdrafts on my previous XXXX transactions. Which came to about XXXX in overdrafts. I talked to someone at the bank and they took away XXXX overdraft fees. But that is n't good enough. They also did the same thing again on XXXX/XXXX/16 for XXXX. I would like to see these fees reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2015, a company called Roundpoint acquired the mortgage on my rental house. During the transition of payment from XXXX to Roundpoint I had been instructed by Roundpoint on how to set up our monthly payment on Auto pay. I was at that time paying automatically through my online banking with XXXX to make this monthly payment to XXXX. The process I followed did not get completed properly and my XXXX payment did not process. I was not aware of this until notified in XXXX of the missed monthly payment for XXXX. When this was brought to my attention, I immediately made payment to Roundpoint for the XXXX and XXXX payment simultaneously bringing my account current. This unfortunately did not forgo them reporting me as being 30 days late to the credit bureau for missing the XXXX payment. I contacted Roundpoint to explain what happened and that this was an error on my part but was in no way being negligent in my obligation to pay. After their further analysis of the situation, although they understood the circumstances, they told me that their reporting was justified and that they would not change their reporting to the credit bureau. 
I am hoping that you will consider these events as out of the ordinary as I have excellent credit and have a history of paying my bills on time. When you look at our history of payments on this mortgage, you will not find a month, prior to XXXX 2015, where we missed a payment. We also receive $ XXXX in rent for this property and have ample funds to make the payment. 
My complaint here is that Roundpoint would not make an exception and realize that this reporting should not stand and affect my business expansion capabilities. They were not quick to help, they were quick to let me know that they reported properly and that nothing I could say do or dispute would change that. They were only quick to let me know that they did everything right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$7200.00}

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 explanation
Consumer complaint received 2016-09-09
Company: Arbor Residential Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca Mortgage LLC is reporting my loan history inaccurately to the credit bureaus ( XXXX & XXXX ) stating that my Status, which is defined by the Bureaus themselves as " Condition of account when last updated by creditor or otherwise '', as " Pays 91-120 days '' when the current status is Paid off. When I call their phone number and enter my loan number the automated response literally states my last payment amount and says the words " paid off ''. Admittedly I was at one point 3-months behind but caught up the loan when settling the loan and the offer of the note holder. When I call they internally refer to this settlement as a " short sale '' when the amount I paid them came directly out of my bank account from my income and I did not sell my house until about 9-months after I paid off this account. This inaccurate reporting is severely negatively affecting my credit score which is obviously negatively affecting my ability to get a good loan program and interest when purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Hood & Stacy, P.A.
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid back in the fall of XXXX to a debt collecter, sold again after paid to XXXX and XXXX in XXXX XXXX, AR they apparently filed a judgement but never tried to collect, I went around and around with them and XXXX finally got it clear up and off my credit record bought and sold three houses in XXXX some debt collector name Hood and XXXX XXXX, Ar refiled a judgement on me that has kept us from selling our house. Debt collector made mention in letter why I thought it was paid. I do n't keep records that long but I did contact my bank where I bought and sold home it shows paid, verified by the credit bureau and show on my credit report in paid status with the date, I have ask hood and XXXX to verified this debt and they refuse, but continue to hold judgement on me. I have called there office they have went from XXXX to XXXX to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I applied for a job with XXXX. They used Microbilt Corporation who is a credit report agency. 
I was told that I have an eviction on my record. My name is XXXX XXXX social security number is XXXX. 
They gave me a copy of the Eviction on my record. This Eviction has another person 's name as XXXX XXXX I 'm XXXX XXXX. But it shows my social security number on her Eviction. I never lived in the address that is XXXX XXXX XXXX XXXX XXXX, Wi XXXX. 
I found the owner her name is XXXX XXXX XXXX XXXX XXXX XXXX. After many attempts I finally was able to speak to her several times. I sent her a copy of my license and she checked her files and finally stated that I AM NOT THE PERSON who lived there. 
I called Microbilt Corporation XXXX and tried to give them this information, since they were the ones that XXXX use for credit information. But they said that it is not their problem. That all they do is get the information from the county where the Eviction was file at. I called the County of XXXX Wisconsin ( XXXX ) XXXX And they Also stated that first of all it was NOT ME and that they never put social security numbers on the Eviction record. 
My problem is with Microbilt Corporation. XXXX who are the ones that is reporting that I have an eviction and even with all the information I gave them, they wo n't help or delete this Eviction that has a different name XXXX XXXX ( my name is XXXX XXXX ) but ONLY THEY have my social security number associated with this person 's name. When I looked at my credit with XXXX XXXX, it shows that Microbilt Corporation did request my credit information. Can you please help me correct this? Having an Eviction on my record is very damaging and on top of this, IT 'S NOT MINE!! But when I try to give them my information, they are short with me and do n't want to deal with me.. They are very unprofessional. It almost seems like they are some sort of scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
agency has accepted settlement and refuse to show the credit reporting changes to my credit : Procollect XXXX, TX XXXX Violating the F.A.C.T Act. they are reporting delinquency of the account in which they have accepted funds. 

They have repeatly change my last date of activity to change when this item is to be removed from my account.

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 2016-11-12
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Got a loan from XXXX Loans for {$800.00}. Over the phone I was told that I would have to pay back {$1000.00} total with {$280.00} installments every XXXX weeks. First payment was XX/XX/2016. When I checked the account online the payment of {$280.00} did not reflect on my account. Now the company is trying to charge a {$6000.00} interest on an {$800.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 2016-08-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ERC called me about a debt I owe for {$170.00}. I disputed and requested an itemized statement. They sent me a statement which shows I owed {$52.00} to XXXX XXXX. I called ERC and spoke to XXXX XXXX on XXXX @ XXXX and he was n't able to justify the billing amounts. He said let me get manager on the line and I spoke with XXXX XXXX @ XXXX. I asked him again why ERC is billing me for {$170.00} when the " itemized statement '' is showing only {$52.00} balance from XXXX. XXXX XXXX replied he does n't see what was sent to me and they do n't charge any interest or collection fees. I told them I wont pay {$170.00} if they can not justify the correct amount. The facts are not matching up so I informed them I will report this matter to the bureaus.

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 2017-03-08
Company: ERC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started receiving calls from ERC collection company about a enormous phone bill from XXXX for a period in which I did not live in the country. Besides many attempts of explaining the situation ERC posted a collection on my credit report resulting in my scores being lowered and bad credit history. Inorder to settle this matter amicably I agreed to pay ERC a negotiated payment so that they remove the unjustified report from my credit history. They collected payment from me however they now refuse any form of communication and my credit score has been below good which is effecting my decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I've recently been a victim of identity theft. I disputed an unauthorized credit card and several inquires that was reporting on my consumer report without my consent. I was able to contact the Person making the report to cease furnishing fraudulent account on my consumer report, as I was not the one who made the authorization. during the investigation the account was removed and I received notice from equifax that all three inquires reported on FTC report was removed XX/XX/2023. ( ( please see attached documents ) ) I checked my consumer report and discovered that the notice was in fact false! one of the three inquires remains on my consumer report and continues to damage my consumer report. You have caused me and my family a great deal of mental anguish with this erroneous reporting of fictitious information. I have tried to reach your office several attempts concerning this matter with absolutely no help to resolve this inaccurate reporting. these are direct violations of the FCRA for reporting inaccurate information on a consumers report to whom it relates. I have called your office on a recorded line and showed your employees and several managers of the error and inaccurate reporting and still no remedy. This has stoped/slowed my ability to obtain credit do to having ERRONOUS AND FRAUDULENT inquires reporting to my consumer report that YOU EQUIFAX, CLAIMS TO BE A FACTUAL RECORD ITEM ON THE CONSUMER REPORT, WHICH IS IN FACT FALSE AS YOU CAN SEE with attached documents. I AM GIVING MY WRITTEN CONSENT TO REMOVE THIS AND ANY OTHER FRAUDULENT INQUIRES THAT REFLECTS ON MY CONSUMER REPORT!

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate!

15 U.S.C 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from E.R.C. on my cell phone. They were trying to collect a debt from XXXX XXXX from XX/XX/XXXX. This account was paid in full. They had my name and mailing address, and even told me a balance due. I told them I would call back. 

Upon returning their call, they asked for my social, which I refused to give out over the phone. They then told me that they could not discuss my account without my social security number. I told them to stop calling me if they could not discuss my account without information that could be verified without personally identifiable information. I have never received a letter, reference number, or any further correspondence until today ( XX/XX/XXXX ). 

I have researched the company online, and there are numerous complaints regarding their questionable practices. 

The number from which they contacted me : XXXX ( XXXX XXXX XXXX, USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 emailed the CEO of XXXXXXXX XXXX, XXXX XXXX and I also tried reaching out to XXXX who I believe owns XXXX XXXX and tried speaking with four Representatives about the the matter but nothing happened and this is affecting my personal life I paid down my debt with prospects of homeownership in my mind. But I guess thats down the drain now. I just want to know how do I loose 74 points for paying down a substantial amount of my debt. I did that thinking that it would help increase my score but it hurt and decreased my score by 74 points. Like what is the real meaning behind a credit score if its meant to hinder poor the poor and not help us Im totally oblivious to REAL MEANING OF CREDIT REPAIR AS OF NOW

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 2015-10-15
Company: CarFinance Capital LLC, Irvine, CA Branch
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have a vehicle loan that shows on my credit report from CarFinancewhich constantly reports me late and now show repossession. Also Myloan amount was for {$23000.00} and I have paid 20 payments at $ XXXX/mowhich is {$10000.00} and CarFinance is telling me that my balance is {$25000.00}. REALLY??? In addition, I have a letter from XXXX stating thatthey will remove the item from my credit but they are useless as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation