BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Carrington mortgage force placed insurance on my loan XXXX i already had insurance through my hoa. CMS. Carrington, added XXXX. XXXX on my monthly payments in XXXX, send me to foreclosure for the overcharges of insurances and violated the hardship not applying forbearance and repayment plan after the hurricane in XXXX in Florida XXXX XXXX, mortgages were not sending to forclosure carrington supposed to help owners after huracan, l lost my business, it got shut down the building, for 3 months, due to flood and damages And carrington send me to forclosed my account charging me extra XXXX. Force place insurances that never was corrected properly it was still overcharges erros. I called for 2 years for correction and erros negligence, I paid a lawyer to modify my loan XXXX. Carrington didnt modify the loan actually send me to foreclosure Ruin my credit for 3 years. I hired another lawyer that charged me XXXX. and more to fight foreclosure within 3 years Carrington didnt offer me loan modification correct loan or repayment plan, nothing l want to take legal actions for mental stress, l was finishing paying loan In 10 years at that time XXXX,. Not now they took me out my good loan put me in a longer 20 year or more more money more charges. Didnt put loan on forbearance on XXXX did nott offer nothing. After pandemic actually ruin my credit more charging fees in XXXX XXXX while payment on phone etc. is a predatory mortgage violated rights as a consumer and more mental stress and l lost XXXX more on lawyers. I need that money to paid morgage not lawyers. Total Negligence not offers of modification and forbearance and ruining the credits after the covid pandemic. Total abused XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: WA
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:
This is my fourth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted multiple disputes regarding two collections on my credits which are paid account. I have sent documentation and dates they were paid and cleared my bank. Their investigation continues to conclude that the collection remains as unpaid. I paid almost {$900.00} of my own money I work hard to earn to pay these bills and they continue to tell me they are unpaid even with receipts and bank records.

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 2023-03-17
Company: CITIBANK, N.A.
State: MD
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:
Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. I have not given written permission for this debt to be shared with any other 3rd party. 

Account Name : Macys/Citibank Account 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 2023-03-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  ) during bankruptcy, failed to acknowledge payments. 

XXXX address XXXX XXXX XXXX, XXXX, Michigan XXXX after bankruptcy & ignoring complaints. Changed company name to " Carrington Mortgage Services LLC '' XXXX XXXX XXXX also in XXXX XXXX with SAME Phone # XXXX XXXX XXXX Carrington & XXXX SEEM TO be the same people with XXXX XXXX XXXX XXXX, XXXX Using different LLC company and abusing bankruptcy to escape liability. 

There is no proof that either XXXX or Carrington are authorized to service the mortgage or to charge extra fees & interest, while refusing payoff of the mortgage. 

I'm filing this complaint as " Proof of Claim '' against XXXX as guided by the XXXX XXXX XXXX Bankruptcy Letter I received from XXXX. In XXXX, XXXX XXXX XXXX XXXX XXXX ) sent me notice & an email saying " They no longer hold the XXXX XXXX # XXXX XXXX XXXX XXXX , despite XXXX being registered as the lien holder. After a complaint XXXX & XXXX was filed with CFPB, XXXX insisted they are no longer responsible for mortgage stating that XXXX XXXX XXXX XXXX XXXX ) bought out the loan. There is NO record of XXXX registered with OHIO as a lien holder. XXXX bank account at XXXXXXXX XXXX ( Acct # XXXX ) was CLOSED when I paid the mortgage off in full. XXXX filed for XXXX XXXX  Bankruptcy & I was given until XX/XX/XXXX to file a claim agaisnt XXXX. XXXX denied they had the Lien previous CFPB complaints therefor, I am requesting XXXX send a Notarized Letter of RELEASE OF LOAN # XXXX ( XXXX Case # XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Attached Files shows PayOff the mortgage in Full from XXXX XXXX to XXXX, XXXX Bankruptcy Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX : {$5300.00}

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 non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: GA
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:
Im a victim of identity theft. I have fraudulent accounts on my credit report. I have disputed and provided all the credit bureau with all the necessary documents they needed. They all responded back saying that the fraudulent accounts were verified with no proof. Please delete all these accounts immediately. 15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage. 
Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 
Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2023-10-02
Company: UHG, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i request information with my signature the original credit card company XXXX XXXX XXXX send me copy of the documents and the the signature do not match my signature the debt was sold to united holdings group i contact that company and no respond that company want me to pay that debt that do not belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: FL
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:
This is my second complaint about this matter, this information is NOT being properly investigated. 
original response from Equifax Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 

I HAVE INCLUDED WHAT THE COMPANY SENT ME STATING THEY HAVE NOT COLLECTED ON THIS DEBT AND IS ASKING EQUIFAX TO REMOVE IT. EQUIFAX IS REFUSING TO REMOVE THIS DEBT FROM CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX/DEPT OF ED XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX 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 2021-06-15
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company Caine & Weiner is attempting to collect a debt from me. In which case I do not know this company and I do not have a contract with this company. I am looking for immediate remove of the following account which is not mine nor is this account associated with me ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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 am writing to request your assistance in addressing an issue with my credit report. On XX/XX/XXXX XXXX XXXX I applied for financing to purchase a new car. During the credit check process, I discovered that my credit report contains inaccurate and damaging information. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and may be considered a defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-16
Company: DISCOVER BANK
State: MO
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

44.8K

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated with an XXXX XXXX XXXX in XXXX. XXXX XXXX consolidated my federal loans and I paid them to XXXX. Nelnet called my 10 times a day with student loan forgiveness calls. I finally talked with them. They told me I would be crazy not to let Nelnet service my loan. After all, they were offering student loan forgiveness. So I went with Nelnet and all I got was exactly what XXXX XXXX was offering only my 25 years to forgiveness starting over again. I will have paid on this useless degree from age XXXX to age XXXX. This seems predatory and fraudulent. 

This has affected every financial decision I have made my adult life. It causes inflated the interest rates on literally everything that Ive applied for. I have been turned down for apartment complexes, housing, Car loans, you name it There is no end for me. I will die with these loans. I currently owe {$460000.00} on an initial loan of {$52000.00}. There were no jobs in the arts field that could possibly merit paying these loans so I had to leave it. I am a flight attendant. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: GA
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:
My research on FCRA 605 indicates that Credit Bureaus are required by law to remove and prohibit any goods that are discovered to have been opened as a result of identity theft. Once more, it looks that my credit with you has been damaged. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. Credit Bureaus must remove the following items, which are stated below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : 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 2023-06-22
Company: Experian Information Solutions Inc.
State: GA
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 disputed things on my credit report that where incorrect

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 2023-04-15
Company: Experian Information Solutions Inc.
State: IN
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 # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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 2022-04-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Company charged XXXX $ in late fees when I scheduled paymebts to arrive by the due date

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 monetary relief