BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Luckily I received a message from my Homeowners insurance representative last night ( XXXX ), notifying me that my homeowners insurance had not been paid by my mortgage company and that there was only four days left until my insurance would be cancelled. 
My mortgage ( and accompanying escrow account ) was purchased by Carrington Mortgage in XXXX ( from XXXX ). I looked at my account online and it said there was no record of the homeowners insurance being paid, but THEY HAD UPDATED it to say that it was n't due again until XXXX of XXXX, meaning they had made the changes on my online account to MAKE IT LOOK LIKE they had paid the insurance. I looked up my insurance account and the renewal notice had been sent to Carrington XXXX XXXX XXXX. Which means that they had over three months and did n't pay it. This morning ( XXXX, XXXX ) I called Carrington ( and got more than the usual run around ), and they could not tell me why they had n't paid it, and refused to pay it until they spoke with someone in my insurance agency. They also told me that both that the policy had and had n't been cancelled yet. They refused to tell me that they would actually pay the bill for the insurance. They refused to do anything to help ensure that I would continue to have insurance, aside from call my insurance agent. When I asked for something in writing to demonstrate how they would prevent this from occurring again she refused. So they breached the implied contract of my escrow account and refused to put in writing the service they are obligated to provide. 
I later called my insurance agency ( XXXX, XXXX ). XXXX was very helpful! They had just spoken with someone from Carrington who was not helpful. XXXX told Carrington that my homeowners insurance would be completely cancelled at XXXX Sunday night. Carrington agreed to send a check by overnight XXXX, however refused to agree to send it today. 
Indicating Carrington Mortgage Company purposefully and knowingly refused to pay my homeowners insurance ( that is their responsibility to pay on time ) either on time or in time to prevent me being without homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan thru credit acceptance corp, IN which I had full coverage insurance thru XXXX insurance company, I also paid {$800.00} For GAP INSURANCE coverage to cover what XXXX did not pay.XXXX Claimed the XXXX XXXX was n't worth but {$3000.00}. GAP insurance only paid {$1500.00}, it states in my documents that it would cover what ever was owed, I GOT SCAMED! THE PRICE THEY FINANCED WAS {$7900.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has illegally reported a alleged debt to Trans Union and XXXX  that I requested for them to send back to the original creditor. XXXX XXXX  was made aware there was fraud and identity theft and negligently brother the law and reported the debt to the credit bureaus. They have violated my rights under FCRA section 623 ( a ) ( 2 ) as they were informed there was identity theft and fraud and reported data to the credit bureaus as 100 % accurate anyways which is a major violation. The original creditor has failed to retrieve the XXXX XXXX police reports XXXX, XXXX, XXXX including not contacting the detective XXXX XXXX on the case.

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 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've recently disputed about this XXXX  credit on all three of my credit reports XXXX, Transunion and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX  and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my XXXX  XXXX  or Transunion accounts.

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 2020-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, a parent XXXX XXXX wrote me an email asking me to XXXX  his daughter XXXX. He got my contacts from my universitys XXXX Department website, so I thought it was valid. He mentioned that he was abroad, so he preferred to send me a check to pay the XXXX  fees. 

On XX/XX/XXXX, I received a check of XXXX dollars in my mailbox and he asked me to deposit the money in my Bank of America account as soon as possible and send XXXX dollars to his cousins account via XXXX. I decided not to continue the XXXX and asked about ways of returning all the money ( XXXX dollars ) in the check, XXXX instructed me to send XXXX dollars in total to his cousins account. But later, I found out that it is a check scam and there is a returned item chargeback ( XXXX dollars ) on my account. I suspected that XXXX stole others information and falsified a check. Therefore, I lost XXXX dollars.

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 2015-10-23
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold by Nationstar Mortgage in XXXX 2015. There was an escrow amount of {$3700.00} in my account. Instead of paying the taxes for that quarter, the company claims they sent the funds to the new servicer XXXX XXXX XXXX ( XXXX ) /XXXX. However XXXX claims that they have not received the funds and in turn raised my mortgage payment to account for the escrow deficiency. This has negatively impacted my credit because I was unaware. In addition, every time payments were made to my tax collector, it went to the arrears amount which resulted in late fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We believe we have experienced some unlawful practices throughout the course of our mortgage refinances with XXXX XXXX ... XXXX of our largest complaints is that we subsequently refinanced with Quicken. I believe XXXX XXXX withheld monies in our escrow account ... They were never refunded directly to us or forwarded to our refinance. 
Our second complaint is in regard to Quicken Mortgage Refi. At the t of our refinance we were given XXXX ARM set at XXXX & for 5 years unless the interest rate dropped lower that the 3.75 % and if we requested we were eligible for automatic interest reset to that fixed interest for duration of the loan ... without cost. Quicken has not honored that promise.This is deception! We request your help for our sake as well that of others. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've recently disputed about this XXXX  credit on all three of my credit reports XXXX, XXXX  and Equifax on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my Equifax and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my Equifax XXXX or XXXX   accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
My credit report stilll show inaccurate accounts Name date in Address different social security numbers and deletions that where not investigated properly They are inaccurate. 

You guys responded to me by mail that yall where going to close the case because you said this isnt me that was reporting this inaccurate information on my report, so I sent more identification. 
I sent letters by certified mail and i also disputed online as well I ALSO SENT YALL THE CFPB PROVE of this problem and NOTHING HAS BEEN DONE. 
I even called after the Letters to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report stilll show inaccurate accounts Name date in Address different social security numbers and deletions that where not investigated properly They are inaccurate. 

You guys responded to me by mail that yall where going to close the case because you said this isnt me that was reporting this inaccurate information on my report, so I sent more identification. 
I sent letters by certified mail and i also disputed online as well I ALSO SENT YALL THE CFPB PROVE of this problem and NOTHING HAS BEEN DONE. 
I even called after the Letters to fix this problem.

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 2022-08-30
Company: EQUIFAX, INC.
State: IL
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 sent my letters haven't got a response I will like all errors to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Exeter finance place a debt on my credit roper for roughly 10k and sold the account to XXXX XXXX while still trying to collect the debt under the original account holder which is Exeter. I settled the account with XXXX XXXX  whose in charge of the debt and had the account deleted once paid. Exeter than updated the account to a balance owed of XXXX when it was already sold to XXXX and handled in a timely matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} 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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts has caused me financial ruin. Iam  disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} 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 2020-07-15
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Investigation took more than 30 days

Complaint:
Hi, my name is XXXX XXXX I have been reaching out to the XXXX credit bureaus XXXX, XXXX, and Equifax since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time XXXX, Equifax, and XXXX have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which XXXX, Equifax and XXXX are forcefully reporting delinquencies and not responding letting me know the results of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Investigation took more than 30 days

Complaint:
Hi, my name is XXXX XXXX I have been reaching out to the XXXX credit bureaus XXXX, transnunion, and XXXX since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time Transunion, XXXX, and XXXX have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which Transunion, XXXX and XXXX are forcefully reporting delinquencies and not responding letting me know the results of their investigation.

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 2022-04-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
According to the FCRA XXXX XXXX XXXX XXXX  XXXX  XXXX MO, and XXXX XXXX XXXX XXXX XXXX # XXXX these inaccurate and unverified address must be removed asap from my credit report. This address I have never lived at and I don't want my mail going to someone else with all the fraud that is going on right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Credit inquiries on your report that you don't recognize

Complaint:
A Hard Inquiry on XX/XX/2022 was placed on my credit report by Capital One. The was no account number or card number provided by Capital One when i had called, I'm assuming there wasn't a card sent out. I would like for this hard inquiry to be dealt with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX/XXXX/XXXX XXXX XXXX XXXX offices were shut down by the Federal Reserve. I then began to withdraw funds from my account because I was unsure of what was going to happen. In XXXX, I made transactions to remove funds to secure them somewhere else. Unbeknownst to me, one of the transactions made on XXXX/XXXX/XXXX was never deducted from the account and was not reported on the statement. The following months of statements that were sent listed a positive balance with no other activity on the account. 

On XXXX/XXXX/XXXX I was notified that the account was overdrawn because of a bank error and asked to pay the debt that same day or the account would be closed and reported to XXXX XXXX. I spoke with a rep ( XXXX ) who only wanted payment and did not offer to help me research in any way what was going on. My efforts since then have been trying to understand why it took so long to be notified and why I am being punished for the bank 's error. My account has been charged off, I have been reported to XXXX XXXX as well as the credit bureau and the bank has failed to admit any responsibility. In addition, the original amount is now being inflated to ongoing overdraft charges of {$37.00} each month. The bank made the error initially and should have offered the opportunity for resolution before any negative activity took place, which now results in my financial accounts being impacted. 

If the bank determines there is an error on your account, what is the timeframe for reporting it to the consumer? No one has the answer, but according to FDIC website .... 

" If the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). '' This does not necessarily specify bank errors, so I am unclear as to the manner in which I should proceed with regards to timely error reporting. The bank is unwilling to discuss or agree to removing these charges or giving me a satisfactory arrangement that is fair. I do not feel as though 4-5 months should have passed before this information was presented to me without any regards for mediation. 

From the initial contact on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I have spoken with the following : XXXX ( team lead ), XXXX ( Retention ),  XXXX ( customer service ), XXXX ( Supervisor ), XXXX ( Escalation department ) at XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation