BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
WE HAVE A 30 YEARS FIXED VA LOAN MY HUSBAND IS A VETERAN XXXX 'S ELDERLY XXXX XXXX HIS SPOUSE ELDERLY 100 % XXXX .CARRINGTON MORTGAGE SERVICES IS SERVICING THE LOAN HAVE NOT APPLIED XXXX MORTGAGES PAYMENTS MADE XXXX, XXXX AND XX/XX/XXXX THEY HAVEN'T PLACED BACK IN OUR 'S ESCROW ACCOUNT {$4600.00} ILLEGALLY AS NOT AUTHORIZED OR EVEN DUE IN XXXX XXXX THIS AMOUNT IS MISSING FROM OUR 'S ESCROW ACCOUNT CARRINGTON NEVER SENT THE REQUESTED DOCUMENTS ESCROW ANALYS, MONTHLY MORTGAGE STATEMENTS HAVE REFUSED TO LET US REPAYING XXXX 10 MONTHS FORBERANCE DIVIDED IN XXXX OR 16 MONTHS THEY REPORTED A FALSE LOAN BALANCE OF $ {$590000.00} TO ALL CREDITS BUREAU 'S THEY REPORTED US ILLEGALLY XXXX OUR 'S CREDITS WITH THE XXXX BUREAU 'S XXXX XXXX AND XX/XX/XXXX FALSELY XX/XX/XXXX WE PAID {$4500.00} TO STARTING PAYING OUR 'S MORTGAGES THE MONEY 'S DISAPPEARED THEY ARE REFUSING TO REIMBUSED US {$1000.00} FOR A REFUND CHECK ISSUED BY CARRINGTON TO XXXX XXXX XX/XX/XXXX MAILED TO US XX/XX/XXXX XXXX CAN NOT BE CASHED. BECAUSE EXPIRED THEY CHARGED XXXX WITH LATE CHARGES ILLEGALKY UNDER THE VA XXXX XXXX AND XXXX XXXX XXXX ILLEGALLY LATE UNDER THE COVID XXXX EMERGENGY LAWS THEY NEVER MAILED XXXX OUR 'S MONTHLY MORTGAGES STATEMENTS WE HAVE ONLY 2 MONTHLY STATEMENTS LATE FEES LATE CHARGES ALL KIND OF UNFAIR ABUSES AND ILLEGALITIES WE ARE SUFFERING AND HAVE SUFFERED ILLEGALLY NOW BY PHONE THEY TOLD XXXX THAT THE XXXX TRIAL PAYMENT 'S NEVER REQUESTED OF {$5000.00} HAVE BEEN CANCELLED THEY NEVER REPLIES OR SENT ANY LEGAL INFORMATIONS REQUESTED ALL THE REQUESTED ESCROW ANALYSIS RECORDS THE PAID PROPERTY TAXES RECORDS THEY TOLD XXXX THAT THEY WANTED ILLEGALLY MODIFIED OUR 'S LOAN WITH VA VETERANS INTERESTS FROM 2.875 % 30 YEARS FIXED LOAN TO 7.92 % predatory INTERESTS FOR A LOAN MODIFICATION NEVER REQUESTED WE WERE IN FORGIVNESS PROGRAM AND WE GOT APPROVED OUR 'S BALANCE OF 10 MONTHS FORBERANCE IS XXXX AND WE WANTED TO RESUMING OUR 'S MORTGAGE PAYMENT 'S IN FACT WE PAID XXXX XXXX {$4500.00} WE NEED HELP WE HAVE BEEN ABUSED I CALLED XXXX VA THEY GIVEN THE PERMISSION TO CARRINGTON MORTGAGE SERVICE TO INCREASED OURS VA XXXX XXXX POINT TO 3.875 % THEY ARE NOT REPLYING TO XXXX EMAILS WE NEED HELP ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: KS
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:
I have contacted the credit bureau to update my personal information as it is reporting incorrectly. The only address that I have lived at that should be reporting is I have sent out dispute letters and have not received any response which is a violation of the law. Please update my address to the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Business Checking account after seeing a promotion ( BIZSUM1 ) that paid {$400.00} after opening the account and depositing {$5000.00} within 30 days. I opened the account in the XXXX XXXX XXXX branch as required by the promotion. The banker couldn't find the promotion code. Instead, he used a code that was close. However, he couldn't give me the details ( reward and terms and conditions to get the reward ). I called customer support twice and send an email but haven't received the required information. I haven't received any response from the bank in reply to my email. I feel I am being pushed around and need your 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 2023-09-09
Company: Alorica Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
System and Services Technologies continues to report to credit reporting agencies that I am continously late on my account when I have in fact been making payments to them regularly. They are very difficult to work with and are not telling me that my debt card is invalid when I have in fact used the same card before to make payments. In a previous complaint they have harrassed me by calling me 5 times a day everyday for a past due account when I have continued to try and work with them and make regular payments on the account with the same debit card I have used before. When I go online to submit new payment information it will not let me make a new payments but when I call them there is a still an issue and I can't get through to somebody that is actually helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NV
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2019-08-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
By way of letter dated XX/XX/2019, Bank XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, FL XXXX, advised me that effective XX/XX/2019, my home equity line of credit would be assigned to Specialized Loan Servicing, XXXX, XXXX O. XXXX XXXX, XXXX, CO XXXX. As of today, XX/XX/2019, I have received no correspondence from Specialized Loan Servicing. XXXX XXXX XXXX has advised me that Specialize will establish a new loan account number for my loan. As of today I have no knowledge of that loan account number. My payment is due on XX/XX/2019.

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 2021-10-04
Company: D. SCOTT CARRUTHERS
State: VA
Product: Debt collection
Sub-product: I do not know
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:
Getting repeated calls from a XXXX XXXX threatening to come to my job and demand that I sign papers for a court order that is on her desk. She also wants to see my supervisor and have my supervisor act as a witness in the signing of those documents. She is calling from a Georgia number - XXXX. I am located in Washington , DC.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2018 My wife and I each have an XXXX XXXX Bank of America credit card, and have had them for decades. I think that Bank of America is discriminating against us as lawful gun owners. Bank of America does this by threatening to refuse their banking services to law abiding businesses within the firearms community. I want Bank of America to apologize to my wife and me. I want Bank of America to immediately stop marginalizing my family and our honorable, constitutionally protected traditions. 

Sincerely : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK 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 2023-04-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2021-10-04
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: GA
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'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've come to discover Portfolio Recovery Associates, LLC my name in collections with a negative reporting on my credit reports in all 3 major credit bureaus. I have asked 2 times to for Portfolio Recovery Associates, LLC to send me proof/documentation that legally binds me to the debt and have NEVER received an email, or a letter by mail with such evidence. I would like such false information to be removed from my credit file asap. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America blocked my access to online banking while traveling. The only way I could log into online banking to pay my XXXX  credit card bills was to have the card 's 3 diget code on the back. I did not have the cards on me as I only use the cards for recurring bills so they are kept in my desk.

I was traveling for nearly a month and XXXX of the cards went 30 days past due. I paid the cards as soon as I returned home and could get the codes off the back. However, Bank of Americ took my limits from {$42000.00} and {$18000.00} and has put the limit now at {$500.00}. They have also refused to take away the 30 day late reporting to the credit bureau 's even though they know I tried to pay while traveling ( I have email confirmations with codes to try and attain access to online banking during this time but I had to have the three-digit codes ). 

I have asked for them to take away the 30-day late reporting, but they refused. I have asked to have my limits increased to their former amounts. They have declined the request two times now.

The result of these two things ( reporting a 30-day late payment and the decrease of nearly {$60000.00} in available credit has had a very negative impact on my overall credit rating at a time when I am attempting to attain financing on our home. 

Everyone I spoke with at BofA was sympathetic to the situation. They understood that I tried to make the payment but could not due to traveling. But they also said they were unable to do anything to help me. 

This is wrong. I can prove that I was trying to log in to pay the bill ( via these emails ) but was unable to. This is their system and their protocols which made it impossible for me to pay my bill but they are punishing me for it. I have had both of these cards for 20 years. I have never been 30 days late on them. But it counts for nothing.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2021-10-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: TX
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:
Names are incorrect : XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX, TX XXXX FTC Violations : XXXX XXXX   XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Open Payment Status Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Monthly Payment {$0.00} XXXX XXXX XXXX Account # XXXX Original Creditor XXXX Company Sold - Account Type COLLECTION Date Opened XXXX XXXX, XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit XXXXXXXX XXXX  XXXX ; XXXX internal collection department Status Updated XXXX XXXX Balance {$770.00} Balance Updated XX/XX/XXXX Original Balance {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Yamaha Motor Finance Corporation USA
State: CA
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:
My credit report is showing late payments to YAMAHA MOTOR FINANCE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or YAMAHA MOTORs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX, I tried to do a transaction with the Trust Bank. They delayed the transactions and I believe they delayed the transactions so they can make money from Late fees. Only account. I can't a transaction that should have taken one day end up taking. 10 days. They were waiting for me to overdraw the account on a transaction.

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 2023-05-04
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist bank was our mortgage holder. We closed on the sale of our condominium on XX/XX/XXXX and Truist sent our escrow reimbursement check in the amount of {$890.00} to the old address so it was not received. I called on XX/XX/XXXX to inquire about what had happened with the check and was advised that it was returned as not deliverable. I then provided the correct/current address of where it should be mailed and was advised it would be sent out within 5 business days. The check never came and I called again on XX/XX/XXXX, only to be advised that " someone '' had input the request incorrectly so the check was never mailed but that they would correct it and have the check sent out. It never came and I called again on XX/XX/XXXX only to be advised that the check had not been processed but that they would correct the issue and send the check out within 5 business days. The check never came and I called again on XX/XX/XXXX and I was told the check would be expedited and sent UPS. I was provided a tracking number and, as of today ( XX/XX/XXXX ), the XXXX tracking site indicates that while a XXXX label was created on XX/XX/XXXX, the check has not been issued and provided to XXXX for delivery. At this point I can only assume the failure is intentional or, at a minimum, grossly negligent.

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