BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX, my mortgage was originally with XXXX XXXX XXXX XXXX. I had a series of hardships I experienced in addition to loss of income during COVID. My mortgage payments fell drastically behind that in XXXX of XXXX, I was almost up to {$68000.00} dollars behind in payments. I had attempted to make payments however they would send my money back. XXXX XXXX stated I had to go through loss mitigation processes which I kept submitting paperwork to no decision ( even when they said it would take 30 days ). In late XXXX of XXXX, I was informed that my loan was transferred to Carrington Mortgage Services. When I contacted Carrington, they had explained I was in pre-foreclosure and to submit a new loss mitigation packet with them. I had explained to them at this time that I had actively been in a loss mitigation process with XXXX XXXX when my mortgage was transferred again. I set out to compile on the necessary documents to restart the loss Mitigation process with Carrington. On XX/XX/XXXX, I contacted Carrington to ask about my application. They stated I was in active foreclosure with a sale date of XX/XX/XXXX which is less than a month away. I asked what had happened so fast and they informed me that I had been in active foreclosure since XXXX of XXXX. They told me I received process sever paperwork. I or my husband never received process server paperwork and was never informed I was in an active foreclosure. They did not explain the process to me. I asked what my options were and they did not tell me anything other than to fill out the loss mitigation package or contact mortgage assistance relief fund. I knew that the loss Mitigation package halts the foreclosure however they told me that if underwriting determined I was not eligible for any options, the foreclosure auction sale date would still stand. I was adamant about not going into bankruptcy or being foreclosed on and was not given any information or options. I had no choice and was forced to make the decision to sell my home. They have withheld giving me and my realtor my payoff quote saying they need to get it from the attorney and that Im being charged an excessive amount of fees. Also I never received the notice about the auction date for XX/XX/XXXX. I found out about it because the cleaning lady was served papers from the HOA saying we were served for foreclosure auction. This process has caused us much distress but we are going out best to save our financial lives out of this mess. They claimed to want to be of assistance when in fact they were not providing information that I was already in active foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX, CALVARY PROFOLIO SERVICE LLC, Has Filed a lawsuit for a " debt '' that I have never Knowingly and intentionally signed for, made harassing phone calls, Garnished wages, and more. 

These sinister acts are in direct violation of my consumer rights pursuant to 15 USC 1692- Congressional Findings precisely pursuant to 15 USC 1692 G- Validation of Debts, 15 USC 1692 J- Furnishing Certain Deceptive Forms, and 15 USC 1681 B- Permissible Purposes Of Consumer Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MO
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:
this is a violation of 15usc 1681a2 I didn't give written permission to have XXXX XXXX XXXX XXXX XXXX XXXX, or SXXXX furnished on my report.

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 2018-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My then husband and I applied for and received a line of credit/second mortgage. At the time of our dissolution, he agreed to and was then ordered by the Court through our Marital Settlement Agreement to pay the first and second mortgages. In XXXX, he and I tried to modify said second mortgage. During that time of waiting for the modification, my ex-husband became delinquent in the payments and the house fell into foreclosure. At no time did Chase notify me that the payments were delinquent. I was not notified of the foreclosure and only heard about it on the day the house was sold at foreclosure. The ONLY reason I knew that a foreclosure sale was happening is when a man knocked on my front door and asked to do a quick walk through 30 minutes prior to the sale. I subsequently learned that a second mortgage foreclosure sale in not reversible in California. 

On or about XX/XX/XXXX, my ex-husband received a letter and check from Chase. A copy of which I am attaching to this complaint. 

I have tried to contact Chase to discuss this but was told that because I was not on the account, they would not talk to me. I am on the Deed of Trust, a copy of which I also enclose. 

I believe that Chase had a duty to notify me that the payments were delinquent AND that a foreclosure sale was eminent. They did neither. 

When I was forced to move I incurred hotel room rental, moving, and storage expenses. Because I was only receiving Social Security XXXX at that time, I had to borrow money to pay for all of the above from family and friends. I am still working to repay those personal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a student loan that is being serviced by Heartland ECSI. Due to the expiration of the XXXX related loan pause I was informed that by ECSI that they would begin to bill/auto-debit for my loan in the coming months. Interested to both see and potentially take action on my loan, I attempted to login to my ECSI account and was told via their automated system that as it had been 120 days since I last logged in, I would need to reset my password. However, when I attempted to do so the system was unable to locate my account, despite being provided with my correct username, last name, and DOB ( as requested ). Furthermore, when attempting to contact ESCI I was unable to get to a customer service representative despite repeated calls with hours-long wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
My family of XXXX and I had a land contract scam and must purchase a home by fXXXX XXXX. I am currently XXXX points from pre approval which is what we need to start shopping. I found out that even though I was paying Credit Acceptance on time weekly auto pay, there was a week that did not go through and rolled over. Due to that my car payment is showing XXXX late payments. XXXX Once we corrected and figured this out, we made sure to pay XXXX and XXXX to have this update ASAP ON ALL THREE BEUROS. I always paid toward my secure credit card debit which is the only item I owe for. XXXX now is showing XXXX and my usage at 50 % and XXXX at XXXX and 3 % usage! I paid XXXX twice to update my scores early to get the XXXX point needed to get that pre approval and for the loan officer to see my scores at XXXX. After paying twice and seeing the changes on XXXX XXXX points and XXXX, XXXX has XXXX not shown these updates! I feel as if XXXX lied as I was told they only have control over their scores, but promoted all THREE updating early rather than in 15 days!? Also after contacting and unlocking my online account on XXXX, I was told only a dispute will get them to update and report correctly? I am unable to dispute due to the fact that we are trying to purchase mortgage and my loan office said not to dispute anything! Please help me get this score to show correctly. I am playing down my secured credit card below 50 % now and everything else has be and show paid off or has been current! The medical bill is currently supposed to be taken up as I had insurance. I need XXXX or XXXX to be at at least a XXXX for us to both be pre approved and due to being uneducated, we were scammed when we attempted to buy this land contract and home and we are in a time crunch! Thank you! XXXX XXXX and 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 2019-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My lease was originally purchased, XXXX, XXXX. The lease was set to expire XX/XX/XXXX and Chase offered to provide me with a voluntary pre-turn in inspection. I opted to have the pre-lease inspection completed and it was done on XX/XX/XXXX. The report indicated that the wheels were scratched and the tires were worn and there were numerous minor scratches. I had the wheels repaired and two of the four tires replaced and paid for the transaction on XX/XX/XXXX and turned the car in the next day slightly under the mileage, but a month early of which I paid the full lease payments. 
A couple months later I received an invoice for repairs on the vehicle. The bills were all based on the pre-turn in inspection report. I asked the company for their post-lease inspection report, they said that they did not do a post-lease inspection and wanted me to prove that I had the repairs done. I sent them the credit card payment I made to XXXX  XXXX in XXXX XXXX, CA for the repairs and send them a signed letter indicating what repairs had been made. They asked me for a itemized receipt for the repairs but I could not provide it for two reasons. 1 ) I left my only copy of the itemized receipt in the vehicle when I turned it in. 2 ) XXXX XXXX in XXXX XXXX, CA changed management and are unable to provide me with an itemized receipt. I think it is very unfair that Chase would try to charge me for repairs that I already made and since they did not have a post-inpection lease I think it is also unfair for me to have to prove that I had repairs made to the car. Their post-inspection analysis should tell me what repairs need to be made, not the pre-inspection. Please help! I don't want to have to pay for repairs twice and they are holding my credit hostage!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Eastern Account System Original Creditor : XXXX XXXX XXXX Open balance : XXXX After reviewing my credit profile. I identified this INACCURATE FRAUDULENT ACCOUNT under Eastern Account System. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a XXXX validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in brining LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 

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

Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
For the past month, I've been receiving call from state collection service inc. 

This is their address : XXXX XXXX XXXX XXXXXXXX, XXXX The phone call i received from them is at all hours, morning as early as XXXX XXXX, night as late as XXXX XXXX. They said that I owed them a medical debt of $ XXXX. I requested the representative send me a copy of the debt along with the copy of my ID that shows the name, address, date and time of the copy of the debt that they said belonged to me. 

The associate i spoke with by the name of XXXX XXXX, told me that they are not going to comply with my request when I'm the person that they try to collect the $ XXXX debt from, explained to him that it is my right to request this information that state collection service have on me. That's when he started threatening me by saying that state collection is a powerful collection agency that have connection with the law enforcement and will use the law enforcement not only to destroy my credit history and my life, but also the lifes of people around me, which is my wife, XXXX of my kids, friends, families, relatives etc. The state collection agency associate also threatened me by claiming that state collection agency will put me in jail without any chance of parole if i didn't pay up the $ XXXX that they claimed i owed them and slammed the phone on me. 

After that conversation that's when the call started coming in at different time through out the day and night, spoke to a friend of mine from church who is an attorney, he told me that state collection service inc doesn't have anything on me since they are not able to provide the information that I requested, he also told me to ask state collection to call his office if they called the next time. 

I followed his advise and told the next person that i spoke with by the name of XXXX XXXX to call my attorney and provide my attorney with the proof that i owed them $ XXXX in medical debt they said that incurred in Wisconsin which doesn't make sense as i have never lived in Wisconsin XXXX give XXXX ' my attorney address too, she said that state collection agency will use their contact with the government to go after me and my attorney and make sure that my attorney and me will never see the light of the day per se. 

It's been a week now they still keep calling me night and day on the daily basis to harass and threaten me. So far neither me nor my attorney have received any official documentation from State collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Block, Inc.
State: TX
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:
Date : XX/XX/XXXX Amount : {$1500.00} Cash app did not do anything to resolve the issue XXXX let XXXX people take my money frm my account I reports XXXX account but cash app did not do anything to resolve XXXX issue XXXX still let XXXX people scam me, XXXX  lady scam me I did not get a product

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! XXXX, Experian, and XXXX has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! XXXX, Experian, and XXXX  are in direct violation of the FCRA and Grain Leach Bailey Act of 1999 by sharing and selling my nonpublic personal information without my consent.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2023-05-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX US Bank representative referred my account to your foreclosure dept in XX/XX/XXXX, while at the same time processing my mortgage modification application - see attached record ofvour emails. 
She and I emailed constantly from XX/XX/XXXX to XX/XX/XXXX. 
I even got an Order from a Judge in XX/XX/XXXX referring us to the Modification Mitigation program. 
US Bank would not respond to Court Order. 
I registered on the DMP portal Did everything I was supposed to do. 
I got served by a Court process server in XX/XX/XXXX for foreclosure. 
I wasn't even in default. 
I'm sitting waiting on US Bank to process the modification application while US Bank was processing a foreclosure action.

Now here we are again.

I'm sitting waiting on US Bank to process a modification application while US Bank is preparing to sell my house on XX/XX/XXXX. 

US Bank sent me a letter offering to help me on XX/XX/XXXX and I responded. 
XXXX days later US Bank Attorney got an Odrr from Judge to sell my house. 
I am a full time XXXX XXXX 
I am gainfully employed. 
But I am being denied the right to pay mynown mortgage. 
US Bank are you going to have your Attorney get an Order canceling the sale of my home? 
Are you going to let me pay you? 
You are sending me one thing in the mail and sending your Attorney another thing.

I have complained to the FL Bar on this man when he's only doing what US Bank told him to do.

That is not right. 
We are not on the same page.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-26
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation