BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent a loss mitigation application and all requested documents to Carrington Mortgage. I was in contact with them throughout the process and sent in everything when asked. I really thought they were going to help. Soon after, I receive a denial/cancelation letter with no reason as to why. I called and was told to reapply, which I did. Not a week later I get a Notice of Intent to Foreclose demanding all arrears due when I am not even 60 days late yet. Now they won't respond to emails and customer service can't assist. I even told them I'm willing to accept the 3 month payment plan an agent said they offered which wouldn't even need a loss mitigation application. Now I can't even get that. I thought there were laws protecting borrowers and sending a notice to foreclose after only 45 days shows the true motive. It really seemed they cared at first, but to try to take a house from a single parent with a young daughter when I'm trying and able to pay what I owe is truly awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Specialized Loan Servicing Holdings LLC
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: Account information incorrect

Complaint:
My Mortgage Servicing Company SLS ( Specialized Loan Servicing ) has confirmed to me verbally by SLS Representative : XXXX ref # XXXX that the payment history as reported on all 3 credit bureaus is INCORRECT. The bureaus state that in XX/XX/2014 I was 120 days late on my mortgage payments which is incorrect. I have never been late more than 60 days. As a result, I have been denied credit and am being charged additional fees and a higher interest on my refinance loan pending. SLS has refused to contact all 3 bureaus to have the account corrected.

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 2021-12-29
Company: ADIR INTERNATIONAL LLC
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/21 my car was broken into and thieves stole all of my identification, my passport card, social security card, debit and credit cards. I have placed fraud alerts and frozen all three if my credit files with the bureaus. I also signed up for life lock. It has been a nightmare. every day I received several alerts of people trying to open credit in my name. One was actually successful. Someone opened an account with a company called CURACAO and was able to receive {$2000.00} of credit in my name. I contacted the company but didn't get anywhere. I disputed it with XXXX XXXX and they are working on it. The account in question was opened on XX/XX/21. I froze my credit files in XXXX. Still not sure how they were able to open an account in my name after I took all of these precautions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: AXOS FINANCIAL, INC.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Refusal to adjust how this account is being reported to credit bureaus. This account has never been 4 months late. Plus refusal to provide copy of original contract so that I can see if my right to defer payments was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: OH
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-12-29
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making my payments monthly with a direct debt from my checking account and sent to my mortgage loan servicer for application to my mortgage. 
In the past when my payment amount changed due to an escrow analysis I continued to payment my old payment amount. When I received calls from my mortgage servicing company they would provide the dollar amount I need to pay in order to become current and I paid that amount. However, now they are saying that I am a full monthly payment behind, and I am not. 
I have attempted to explain my payment history and requested supporting documentation from my mortgage servicer and I do not get the information I have requested and my email send to the XXXX XXXX at LoanCare has gone unanswered.

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 2022-06-14
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I got my student loan over 20 years ago. I did not speak to a counselor to guide me. I had no idea what I was getting myself into- I was young and had no guidance- was lost in school and had to drop out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
I filed this complaint with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. XXXX  XXXX XXXX XXXX. Please remove this account 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 2023-05-29
Company: EQUIFAX, INC.
State: NC
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Payment have been made since XXXX it was {$33000.00} and has a current balance of about {$11000.00} Some charges are XXXX XXXX old and qualify to be challenged

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good evening, I received a correspondence that my account was past due, to my surprise! This credit card was paid off in full. I contacted customer service to inquire about what was past due ( interest/late fee ), I requested that the late fee and interest charges be credited since the balance reflected was paid in full. I would like the charges credited to my account. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 2020-11-24
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a feeling a bit saddened to know that the Experian STILL haven't removed these remaining fraudulent inquiries that are reporting in my Experian credit report. What I just need was to REMOVE these inquiries that was causing my credit file harm. Again, I am requesting the Bureau to remove these inquiries immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have disputed this Account # XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account with the XXXX and received the attached response that this account is no longer to be reported yet it is still on my Experian credit report. I have also disputed this account with Experian directly but there is no response.

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 2017-09-14
Company: P&L Acquisitions LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a payment agreement for {$50.00} a month in XXXX XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XXXX XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging me.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-06
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
Someone opened an account in my name and stop paying the payments which I never knew about

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . Or 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 explanation
Consumer complaint received 2023-06-17
Company: ACIMA CREDIT, LLC
State: PA
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:
UPDATE TO CLAIM # XXXX ACIMA is in WILLFULL NONCOMPLAINCE AND NEGLECTION OF THEIR DUTIES AS A FINANCIAL INSTUTIONS IN ACCORDANCE WITH 15 USC 6802-6804  ACIMA has failed to perform under its obligation as a financial institution under 15 USC 6802- 15 USC 6804. Company DID NOT follow proper procedure to ensure safety of my nonpublic information and has not disclose to me and has not given me any explanation or opportunity to exercise my RIGHT under 15 USC 6802b ( B ) ( C ) and continues to report my non public information to a non affiliated party ( XXXX ) despite my instructions to cease such actions. ACIMA DID NOT PROVIDE EXPLINATION OF MY RIGHTS AND HAS DID NOT NOT GIVE ME THE OPPORTUNITY TO EXERCISE MY RIGHTS TO DIRECT MY NONPUBLIC INFORMATION BEING REPORTED AND INSTEAD LEAD ME TO BELIVE THAT MY INFORMATION MUST BE REPORTED TO THE CREDIT REPORTING AGENCIES NOT GIVING ME THE OPTION TO OPT OUT AS REQUIRED BY FCRA LAW. I am trying to resolve this matter once and for all and move on but ACIMA INSISTS TO CONTINUE IN BAD FAITH AND CONTINUES TO VIOLATE ITS OBLIGATIONS UNDER THE FCRA AND VIOLATE ME AS THE CONSUMER AND MY INSTRUCTIONS. I SIMPLY ASKMFOR MY INFORMATION TO STOP BEING REPORTED AS THEY ARE NOT OBLIGATED BY ANY LAW TO REPORT SO BUT ARE IN FACT OBLIGATED TO GIVE THE CONSUMER AWARENESS OF A CHOICE WHICH WAS NOT GIVEN IN GOOD FAITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX I contacted citi bank because I could not log into my checking account through the app for several days prior. So once I spoke with a customer service rep they told me that my account is blocked due to a security fraud risk. Prior to me calling I was not notified via email or phone call. So I proceeded to ask whats the steps to regain access to my accounts and citi bank tells me I have to wait 5-7 business days for a letter in the mail to gain access to my account. I told them that is ridiculous because this letter can be lost in the mail and why isnt this letter expedited they tell me this is the only way. I explain to them this is my primary bank account and I have transaction that are linked to this account as well as money flowing in and they basically telling me I have to still wait 5-7 business days. Since then I had to cancel my car payment which is now late which was {$410.00} and I also have money on there I have to use so that my car is not booted and towed. So now my car can potentially be towed XX/XX/XXXX because I could not access funds to pay my bill let alone have money for food and other necessities. I called back XX/XX/XXXX to see if this process can be expedited they customer service rep was very XXXX as I was explaining I could lose more money if my account is not accessible immediately she basically tells me she haves to hang up. I am very disappointed in citi bank as a whole and now I am going to suffer because I can not access my funds. I feel that this letter should have been expedited especially if its the only way I can gain access to my account. Its already costing me money and extreme stress i can not access my account and was not notified about it until I called. I feel they should be responsible for the damages

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 2021-12-30
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
regions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX I have never given this company written consent or permission to access my consumer profile. i would lke them to remove immediatly requested my consumer report without my written consent/permission..

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
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:
I found inaccurate information in my EXPERIAN credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C.

Section 604 A Section 2 states that a consumer reporting agency can not furnish an 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 2023-09-28
Company: Experian Information Solutions Inc.
State: NJ
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:
I've mailed a dispute letter to Experian after I've noticed several accounts and information that's reporting to my consumer report without my consent and which is also inaccurate or invalid. Experian is reporting an account that doesn't belong to me and reporting under multiple violations. How are they reporting a debt if there aren't any agreements by me to report it? How can I owe a debt if me and the creditor never had any existing agreements on a balance in order for this debt to occur? I have no knowledge of this company reporting this account in which Experian should be able to see that we haven't agreed on anything. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account shouldn't be reporting.

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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