BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
All was well until XXXX of this year. While preparing for the Hurricane " Dorian '' my family over extended our finances. Lost of work hours, and income did not help any either. 
Knowing this fact, we reached out to our mortgage company Carrington. As an afford to pay just the principal, and interest only this would have help us out tremendously as a temporarily relief.This would have help with keeping the account current per say, and no negative reporting would have been made to Credit bureau. However, after reaching out to Carrington, without taking anything into consideration, or hear our situation we were advised that there are no such options to pay Prin/Interest only. So now we are 4 payments behind. Once you fall behind everything snow ball quickly. We understand that this is our doing, and intend to bring the acct current again somehow. We do not wish to lose our home. What we don't understand is that we are facing Foreclosure after 4 months behind. How is this possible, when we were never offered any home retention options, or even paper work to inform us. 
I thought as a customer we would be provided some home retention option or some type of Loss mitigation, a solution to keep our home. 
After several contact from us to Carrington is when I ask them to open a review for a possible Modification. 
Why was early default intervention not provided by the mortgage service. 
Because of the lack of afford on the mortgage side for us to keep our home. 
It leads me to question, where there not any State laws and Mortgage regulation violated. 
Has Carrington ( BankUnity ) violation HUD default servicing laws I feel Carrington 's actions are NOT in any way compliant with State laws and Mortgage regulation. 

Why are there mortgage servicing company that allows payments to their principal/interest as a temporarily relief, and Carrington does not. All of this stress could have been avoided.My family could be enjoying our daily routine instead we are under pressure for the holidays all because we were advised we could not make any P/I payments. 

We are asking CFPB to look into Carrington as a whole to ensure operation are in compliance with all State Law, and Regulations. We truly feel violate, and unfair service has been demonstrated with our account, and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: RI
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 2023-10-06
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my Credit Card in full. Apparently, there has been a {$2.00} fee charged that I wasnt aware off and then received a late fee. Called XXXX  XXXX  and had all the charges taken off because I already paid my card in full. Next month, automatic {$1.00} fee and late fee. This happened 3 times ( so XXXX late fees and credit score way down ) until I was told that I need to pay that {$39.00} to really close my account and they will send me a check for {$39.00} to refund. Computer glitch. Still I have not received the check ( 2 months later ) and no one tried to fix the mess they made out of my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Remove this from my credit report as soon as possible!

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 2022-07-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Noted several pending transactions on Citi Mastercard beginning XX/XX/22, {$1.00}, {$100.00} and then four for {$500.00} each. Reported fraud, card cancelled and new card issued. Two of the {$500.00} charges posted for merchant XXXX XXXX XXXX. Called Citi on XX/XX/22 and while advised not responsible for charges, unable to block or note temporary credit for these disputed transactions. Was advised I would have to await the response from the merchant which could take up to three months, and that " the ball is in their court. ''

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
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


I want these inquiries 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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXXXXXX XXXX Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account XXXX Party Owed : Bk of America Amount : {$60000.00} Account XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim.

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 2022-12-29
Company: Grain Technology, 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: Account status incorrect

Complaint:
I signed up with Grain Technology in XXXX in hopes of building my credit and it has been a never ending nightmare with them. 

Initially my account went into delinquent status. The company only enables you to make a payment through a connect bank account. My bank account was disconnected and I was unable to make my on-time payments. This was the first issue that caused a snowball effect. I was never informed that my bank account was disconnected or why I could not reconnect it. When calling customer service they reroute you to contact support via email. When I send in a email with screenshots of my account and technical issues that prevents me from connecting my bank account, customer supports takes over 3-5 days to respond. 

The weeks were spent sending emails every other 4-5 days, and each time the company responds with one question with no resolution or attempts to rectify the situation. 

After weeks of fighting with customer support I receive an email to settle my account. I take this opportunity to make a one-time payment in attempts to settle my debts with this company. After not seeing the accurate amount being reported and the account closed, I continue to email support. Once again, I was caught with customer support debating a balance on my account which I had already settled ( email screenshots are located below ). Till this day they refuse to update my account accurately to reflect the payment despite the screenshots of payments and the credit bureaus reports. They have told me numerous of times that my account is being escalated and the bureau will update next month. I have been waiting over 4 months. This account is taking a major toll on my credit and I have made all necessary attempts to resolve this account. I have sent in screenshots of my payments, technical issues, credit bureaus reports and still have no resolution. The emails goes on and on and on as if the company is attempting to delay time. In their emails they also indicate apologies due to the delays in response. 

Selecting Grain Technology was the worst decision I ever made concerning a credit building or credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions 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:
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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
The last few months I became a member with XXXX XXXX. Recently I received several emails stating Im a excellent match for some credit cards. I applied for two cards. One with XXXX XXXX  and the other one XXXX XXXX. I was denied. Upon contacting both credit card institutions I was told XXXX XXXX reports fraudulent information to its customers logging in to keep their numbers up. I have supporting conversations between XXXX XXXX and myself with apologies for reporting fraudulent information to there consumers.

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 2023-01-03
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:
have disputed with all three-credit bureau to have fraud inquiries remove

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 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
The last few months I became a member with XXXX XXXX. Recently I received several emails stating Im a excellent match for some credit cards. I applied for two cards. One with XXXX XXXX and the other one XXXX XXXX. I was denied. Upon contacting both credit card institutions I was told XXXX XXXX reports fraudulent information to its customers logging in to keep their numbers up. I have supporting conversations between XXXX XXXX and myself with apologies for reporting fraudulent information to there consumers.

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: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not want to have this information that does not belong to me in my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-23
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was supposed to receive a response from US Bank to my previous complaint ( XXXX ), which you closed. I have not received any response from them. However, I received another statement on the account that was fraudulently opened and which they refuse to close. I would like to know why they are refusing to close this account, which I have advised them was fraudulently opened under my name/address.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: NY
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:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-10-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XX/XX/2023 I realize my bank account has been deducted from a charge of an online merchant claiming to be affiliated to Chase PDF-Fling papers which I have no knowledge of? So I called this online source and they reversed all monies of {$76.00}. Chase claims I called them weeks prior of XX/XX/2023 stating I placed a claim with them about this merchant? Stating it was a temporarily credit of money we give you so we took it back from your account? Which is boldly completely incorrect. 

XX/XX/2023 an online course I took for {$550.00} payment of {$150.00} every two weeks I was to pay merchants. Course was not completed due to online issues with the learning tool. I was asked to prove my case by Chase of my incompleteness of course to get my money back which I did by faxing over a hard copy of the incomplete course document. 

I proved my case and won over merchant Chase took the money back from my account. XX/XX/2023 claimed the merchant won the case and reverted the merchant of {$150.00} out of my account? and the remaining balance as well? 

When I called them on these issues they refused to help or return my money.

Company response to consumer: Closed with explanation