BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage XXXX  refuses to take my payments and only is interested in foreclosure. I have tried several times to get caught up but they refuse to do anything. They tell me to make payments, I try, they send them back, then place my property in foreclosure forcing me to pay exorbitant fees. Their mortgage assistance process is for show only. They only do it because its a legal requirement. I have paid these people over XXXX dollars in the last 3 years, almost none of it going to my actual mortgage. The internet is full of other people with the same complaint. They should not be allowed to do business at all, much less be able to service government or low income loans. All they wish to do is foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-06-08
Company: Experian Information Solutions 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:
Personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Incorrect names : XXXX, XXXX, XXXX XXXX, XXXX Incorrect addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect employment information : 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 explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: NC
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 have sent out several disputes online and a letter through certified mail to Experian. Experian is stating that items are remaining but have yet to give me a copy of the evidence used in their investigation to determine the results, they have stated multiple times that items have been deleted or updated and nothing has changed. I have yet to receive a copy of an updated credit report. Also the date of account removals are incorrect. Medical bills are remaining with no reason as to why and no proof of debt owed.

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 2018-06-28
Company: JPMORGAN CHASE & CO.
State: VA
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 call from ( XXXX ) XXXX who said they were XXXX XXXX XXXX from an IL number. They told me my name, an old address, my social, and date of birth. After speaking with 3 different people, the last person, XXXX XXXX, informed me that I had opened a Chase Bank Visa in XXXX and it was closed in XXXX due to non payment. Chase supposedly made every attempt to contact me then had it on my credit for 7 years until it was removed then they sent it over to XXXX. Never have I had an account with Chase nor have I ever seen this on my credit. I am worried that I have confirmed all of my personal information for whatever their intentions are and I will not be scammed into paying something fake. Please note I would have only been XXXX in XXXX. 

Collection for : Chase Bank Date of Call : XX/XX/XXXX Debt : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: SYNCHRONY FINANCIAL
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a charge dispute to Synchrony Bank, the issuer of my Amazon Card, in the amount of {$820.00} on XX/XX/2020 for a purchase that was not received from the vendor, Amazon.com. I received a letter from Synchrony dated XX/XX/2020 stating that credit would not be issued to my account as the vendor has provided proof of delivery. The letter indicates that this proof of delivery is enclosed, but there are no attachments. In subsequent phone conversations with Synchrony I informed them of the missing attachments. I was told that I would receive the attachments in the mail, but have not received anything for nearly 2 months. In other various follow-up correspondence with the vendor both written and via telephone, I have been asked to repay or return the disputed amount as Synchrony performed a charge back against the vendor 's account on or around XX/XX/2020. According to the vendor, the {$820.00} has not been returned to them and they have been unable to perform any kind of refund on their end, despite a willingness to do so, as the funds are missing from their account. I have written Synchrony requesting that the funds be returned to the merchant and received responses on XX/XX/2020 and XX/XX/2020 from Synchrony. In both instances, the written responses from Synchrony do not address the original inquiries as to where the funds currently are and why Synchrony has not returned it to the merchant if the dispute has been resolved. Synchrony has responded to my inquiries by opening another charge dispute for the same purchase, which was not requested by me. In subsequent phone conversations with Synchrony, I was informed that Synchrony does not perform charge backs on vendors unless disputes are resolved in the card holder 's favor. Synchrony was not willing to provide documentation to me supporting this policy regarding charge backs nor any documentation indicating that the funds were never removed from the merchant 's account in the first place.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-12-13
Company: Global Trust Management LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX a little after XXXX est calling my employer and asking for my personal information from my manager. My manager has talk to me and said XXXX this has to stop and its not tolerated. My manager stood next to me as I talk to whoever is constantly calling and harassing me and my manager. As this person trying to say my name and social security number I said stop right there you need to stop calling me here at my job and I can lose my job because whoever you was told several months ago and was told to your supervisor that to please stop calling me at my job. 
When they called me before several months ago and my boss told me who are those people I told my boss that I dont know plus he talked with rude language and told me that you dont have and cant do any f : :king to me and hung up on me. My boss was there and is my witness to this call few months earlier. I am afraid to lose my job because of the harassment calls. Also let me add this they called this morning asking for again XXXX around XXXX am asking for my personal information from my boss and his emails and mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My bank account at Regions was linked to XXXX XXXX  and someone hacked my XXXX XXXX took out over XXXX in transactions and sent it to them selves. I hardly used XXXX XXXX or got on so didnt notice my bank didnt catch it, I sent them pictures showing who the money was and to and amounts if you track the names youll see its a scam. Regions told me they cant do anything and Im left with nothing. Regions denied my claim twice and will not help me in any way Ive banked with them for over 15 years Ive always kept XXXX or more in my account there and now that someone drained it they will not help me get it back or just help me. Ive never filed fraud before Ive never caused an issue with them or any bank and now my kids are hungry because. My account was drained. XXXX XXXX  told me its on regions regions told me its on XXXX XXXX please help me.. please help

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 2021-11-11
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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 am a victim of an identity theft, someone stole my information and opened a fraudulent account under my name. I have tried to fix this issue with the bureaus, I have tried to fix this issue directly with XXXX XXXX but no one seems to care. I have gone to the police and to the federal trade commission. At this point I am loosing my mind because i don't know who else to go to to get this fraudulent account from my credit report. Someone stole my information and opened this fraudulent account under my name.

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 2020-12-30
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 fraud alerts or security freezes

Complaint:
I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but Ihave n't got any response yet from the credit bureaus. Please help me. Thank you!

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 2023-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-10-12
Company: EQUIFAX, 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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXXXXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Fairway Independent Mortgage Corporation
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
It has come to my attention that FAIRWAY INDEPENDENT MORTGAGE COMPANY  has stopped paying the insurance on my home. I have been told by my insurance company that I have 20 days to pay insurance on my home or my XXXX XXXX XXXX XXXX XXXX would be cancelled. The insurance has not been paid for two months now. 

To my knowledge, there is an insurance agreement on every mortgage secured by the United States incase of default on the loan ( 7 CFR 1901.508ii ). The note given to FAIRWAY INDEPENDENT MORTGAGE upon closing of the home was to insure the security of the property. I do not believe the mortgage has fulfilled their obligations to the consumer. 31 U.S. Code 5118 - Gold clauses and consent to sue, specifically says that the note given was to be exchanged dollar for dollar payable in United States money. Which the company is to receive at the Treasury. I am unsure of what actions were taken and I request full account of the Principals account. 

There is an escrow account. Created in the name of the consumer, XXXX XXXX XXXX XXXX. I know there is an escrow account because my insurance company has sent me an email, explaining to me that FAIRWAY MORTGAGE COMPANY escrows my premium. This is my second attempt to reach the company. Providing them with Delegation of Performance ; Assignment of Rights through the law of agency. As the owner of loan/account XXXX, I demand the release of my note and all interest incurred. 

As the Principal, surety, creditor, and owner of that account, I have demanded that FAIRWAY INDEPENDENT MORTGAGE release the escrow account to me. I have given notice to the company and this CFPB complaint is to insure that the company receives this notice. I have had prior dealings with this company and this is the only way it seems to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been requesting info regarding a collection on my credit report from XXXX XXXX in excess of 60 days with no luck. This debt is listed on all 3 of my credit reports. I have asked for the original contract with my wet signature authorizing this debt along with the original information from the original creditor with name ( s ), address ( es ), and phone number ( s ) listed. I also requested a breakdown of the billing and payment history along with the acquired proof of ownership showing the collection agency has the right to collect on it. This company, XXXX XXXX, has been given ample time to respond with this information and has not.

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