BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Carrington Mortgage has dragged its feat and unnecessarily delaying the processing of XXXX XXXX ' application seeking to modify her FHA loan, thereby damaging XXXX and XXXX XXXX. 

Carrington has taken more than 6 months to evaluate this application with a seemingly qualified borrower, but has utterly failed to communicate and to consider this request for mortgage assistance in good faith. 

Carrington Mortgage has failed to live up to its covenenant of good faith and fair dealing by failing to consider and evaluate XXXX and XXXX XXXX for a loan modification for their FHA loan, thereby violating the FHA Mortgage Servicing guidelines. 

The subject property address is as follows : Property AddressXXXX XXXX XXXX XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX, and I am the author of this complaint, there is no one acting on my behalf. This is not a validation of debt request, and no response in that manner is requested, however- if you attempt to, please understand that then I request full disclosure on the method of verification, and sources of such validation, in addition to the disputed items listed below, The Tradeline in question is the XXXX - XXXX, where the following items are incomplete/and or inaccurate. 

1. Date of Last Activity- is Blank, and should not be 2. Date of First Delinquency, is inaccurate and can not be supported by the incomplete Pay History 3. The Payment History is incomplete, and then inaccurately representing this tradelines final state 4. " R '' is never reported in Pay History 5. Comments says Repo, but Payment History does not support this 6. The Date of last Payment is wholly inaccurate 7. The DOFD - FCRA Date - then, is wholly inaccurate 8. Date Closed is BLANK but is required, as per compliance Account says Status Closed - but, payment history and Tradeline data do not support it 9. Charge off amount - is Blank, and can not be when Status - is Charge off - Sold Rules are mandated by Metro2 - XXXX XXXX, Creditor Please resolve the tradeline to be accurate - or delete it. 

Attachments XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Their investigation did not fix an error on your report

Complaint:
THIS IS NOT A DUPLICATE Im resubmitting this complaint against Experian, XXXX, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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 2018-11-06
Company: Roycroft Management
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was contacted by XXXX XXXX XXXX on Thursday XX/XX/2018 a very detailed voicemail was left. The lady stated that she was calling from XXXX XXXX XXXX Economic Crimes Department, in her message she said her name was XXXX XXXX, XXXX ( I'm not really sure she was really hard to understand ) she said she was contacting me regarding a criminal complaint that has been filed against me in regards to stolen property, this complaint goes against my name and social. She said that it is imperative that I call her immediately at ( XXXX ) XXXX. She said that I have been legally notified in accordance with all federal and state laws and to govern myself accordingly. 

Immediately contacted this representative back, I let her know that prior to her contacting me I was working with another representative XXXX who was taking {$150.00} payments from my checking account every month and those payments have since stopped. I let XXXX know that I tried to contact XXXX after the payments stopped but the number was no longer in service. XXXX rudely interrupted me she let me know that I was in possession of stolen property and That I need to pay the total amount owed or this will go to court. I tried to explain to XXXX again that I have been trying to make good on what I owed but the other agency disappeared. XXXX repeated herself again stating I was in possession of stolen property and that I needed to pay this debt in full and that she is in the mediation department she is not a collector. Since I was at work I asked her to hold while I go to my car to speak to her privately. When I got into my car my phone automatically connected to the Bluetooth in my car. I let XXXX know that I can't pay the full balance that I can only make partial monthly payments on what I owe every month. XXXX then got extremely stern with me she told me that she did not understand why I was recording the call that it was " annoying '' she said that the debt had to paid in full she told me to get a lawyer and hung up the phone on me .... Meanwhile the call was not being recorded it was just connected to my Bluetooth in my car. 

I was in shock, I could not believe how she spoke to me. So I immediately called back the phone went straight to voicemail, I left a very detailed message sating that I don't understand why I was hung up on when I'm trying to pay what I owe in payments as appose to full payments. I never got a call back from the voicemail I left. Two days later I called and a lady answered I asked to speak with XXXX 's supervisor because I did not agree with the way the Mediation rep handled our conversation, she then placed me on hold for 2 minutes and my call was forwarded to a voicemail.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See attached documents. Remove this personal information that does not belong to me.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where Transunion got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Transunion is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business days.

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 2023-12-21
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I missed my XXXX  2023 monthly mortgage payment of {$1100.00}. It is the ONLY payment I have ever missed. 

I filed a XXXX XXXX Bankruptcy on XX/XX/XXXX, adding the ONLY missed payment into my XXXX  XXXX Payment Plan, to be paid over 5 years. 

Shellpoint Mortgage added attorney fees of {$350.00} and a proof of claim fee of {$250.00} on XX/XX/XXXX and XX/XX/XXXX onto my XX/XX/XXXX mortgage statement without ever notifying me of the charges!! 

They did not XXXX  mail, email, or call me. They did not send or email any statements. I did not know of any fees or charges whatsoever. 

I made a regularly scheduled mortgage payment to Shellpoint on XX/XX/XXXX, for the full amount due of {$1100.00}, unaware of the additional charges. 

Shellpoint sent me an escrow increase payment ( by USPS mail ) in XXXX of XXXX, effective XX/XX/XXXX. My payment increased to {$1200.00}. I made another regularly scheduled mortgage payment on XX/XX/XXXX, for {$1200.00}, still unaware of the additional charges. 

Shellpoint sent me an email earlier today ( XX/XX/XXXX ) stating they never received my mortgage payment. 

I immediately logged on to my online Shellpoint account to discover the additional atty and proof of claim charges and one XXXX of a messy payment history/accounting that Shellpoint has been entering since XX/XX/XXXX. 

They have been receiving my payments but NOT APPLYING them to my account because of the hidden attorney and proof of claim fees they charged back in XXXX. 

Furthermore, my XXXX statement shows a regular monthly payment due of {$1100.00} ( where did this amount come from?? ) and a total amount due of {$1700.00}, TOTAL OF ALL PAYMENTS DUE {$3500.00}. What XXXX XXXX XXXX are they doing? Except for the ONE MISSED PAYMENT OF {$1100.00} that is in my XXXX  XXXX plan, I OWE THEM NOTHING ELSE!!!!! Stop hiding fees and APPLY THE PAYMENTS I AM SENDING YOU ON TIME! This is LUDICROUS and I will NOT stand for it. Immediately remove the hidden charges you applied in XXXX and straighten up your accounting nightmare. I am going to notify Fannie Mae of the messes you are creating because you are not fit to service their loans. 

My principal, interest, and ESCROW accounts are suffering because of Shellpoints fraudulent, sloppy, accounting practices. They are trying to create deficiencies where there are NONE so they can foreclose on my home shortly, and I will not allow that to happen. They need to clean up this accounting nightmare immediately and be held accountable for what they are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordense with the fair credit reportact, the list of accounts below has violated my federlly protection consumer rights to privacy.an comfidentiallity under 15 u.s.c 1681 XXXX XXXX accout number XXXX XXXX ac/number XXXX XXXX/ dept of edu a/c number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ac/number XXXX XXXX XXXX XXXX XXXX XXXX XXXX a XX/XX/2016 {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights 15 u.s.c 1681 sec 602a states i have the right to privacy 15 u.s.c 1681 section 604a states that a consumer reporting agency can not use account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) no consumer reporting agencies may make any consumer report containing any of the following items of information. any other adverse item of information, other then records of conviction of crim which antedates the report by more the sevsen years.

15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumerto any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.

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 2019-10-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A closed account that was previously taken off by all 3 reporting agencies after MULTIPLE requests has now REAPPEARED on XXXX And Experian. This is getting past the point of ridiculous!! One of the accounts is over 7 years old and the other 2 were paid off IN FULL IN GOOD STANDING WITH 100 % PAYMENTS ON TIME!!!

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just received my reinvestigation back from Transunion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 16, 17, 18, 22, 23, 24, 25, 25, 27 of the attached credit report as evidence. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX This item should no longer appear on my reports as it is too old. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.

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 2019-10-15
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of a catfish scam and my information was compromised after I opened a photo that was sent to me, which contained a virus that copied information off my cell phone. This information was used to open a credit card account in my name with Navy FCU on XX/XX/2019. The credit with a {$25000.00} credit limit was maxed out with one month with purchases and cash advances. I contacted the Navy FCU to dispute the fraudulent account. They conducted their investigation and told me that I am liable for the charges because I gave authorization to a romantic partner. I explained that I did not give authorization to anyone and that my information was compromised due to malicious software. Navy FCU refuses to disclose to me the process the account was established and documentation showing how the account was established. I am frustrated and I am feeling victimized all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2019 stating that I had been sued by Midland Funding on behalf of XXXX XXXX XXXX in the {$1000.00}. Included in the letter is a request for a list of all of my assets and bank account information. I have contacted them and explained to them that this is not my debt. I have asked them several times to validate the debt and they refuse to do so yet they expect me to just give them money for a debt that is not mine.

Company response to consumer: Closed with non-monetary relief