BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Good morning, I am reaching out to you because my Senator recommended this as the next step in the process of fixing the problem. Since XX/XX/XXXX I have been in an ongoing battle with XXXX XXXX Tax Assessor and Carrington Mortgage. In XX/XX/XXXX I was told that the mortgage company did not submit the proper paperwork showing my home was my primary residence so I was assessed at a higher rate. From XX/XX/XXXX to XX/XX/XXXX I submitted every document required to fix this problem. I proactively kept the mortgage company abreast of the situation. In XX/XX/XXXX the mortgage company did an assessment based off of the erroneous tax information and changed my mortgage from XXXX to XXXX. In XX/XX/XXXX XXXX XXXX confirmed they made a mistake and put in the correction to refund XXXX. Carrington mortgage did not correct the mistake until XX/XX/XXXX. During that time the mortgage company put me on forbearance so everything could be fixed. I submitted a total of XXXX to them and instead of them applying it correctly, they applied it as if the amount due was still 3900 monthly. In XX/XX/XXXX Carrington finally corrected my mortgage to XXXX but refused to fix the errors that made my account almost 25k over what was due. I was told that all I had to do was write a letter requesting that the overage be refunded or applied to the account correctly. That was on XX/XX/XXXX. As of today I am being told that they can not fix the error in the system until I pay XXXX to bring the account current under the incorrect amount. Then once I pay the XXXX they will fix it and send it to me. I dont have XXXX just lying around. I have tried contacting Carrington mortgage several times and they keep giving me the run around. I have emailed XXXX XXXX ( XXXX XX/XX/XXXX ) and have yet to hear back from him or anyone on his team. I am a small business owner and Covid has greatly affected my income. I am asking for your help because this is a lender that is not doing business correctly. I am a minority XXXX XXXX veteran that served my country honorably and have continued to service my community. I dont think it is right that I can possibly lose my home because of an error made by humans that refuse to correct. I keep being told that they understand my anger and want to correct it but they cant correct what is input to the computer. I work hard to provide the American dream to my daughter and to show other minority women that success can be achieved when effort is applied. However, this refusal to fix a simple error is going to destroy everything I have worked hard for over the past 20 years. I have the paper trail to prove that I did everything correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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:
This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: OneMain Finance Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a personal loan at One Main Financial that I learned about through XXXX XXXX on XX/XX/21. I learned I was approved for {$3000.00} more than the {$9000.00} I requested. The interest rate on XXXX XXXX 's page listed this particular loan at 16.97 %. There were many other loans offered by One Main and other companies. I was contacted by the local branch in XXXX the following morning and I was informed by the office manager " XXXX '' that the rate was 23 %. She stated she was not aware that One Main ever offered a loan at 16.97 %. I felt like it was not a misunderstanding or honest mistake. She offered the explanation that XXXX XXXX may have misrepresented the terms of the loan. I explained that I was looking at the information and terms on XXXX XXXX 's site and One Main did not even list the interest rate at 23 %. They actually did not have the rate listed anywhere other than on XXXX XXXX 's page at 16.97 %.. Again I believed it was intentional and if they were interested in having me know the full terms of the loan they would have included the information when XXXX XXXX sent me to their page to complete the application. I applied with the understanding that the loan would be at 16.97 %. There were several offers on the same page less than 23 %. I would not have One Main check my credit and have to deal with a derogatory mark on my credit for a 23 % personal loan. After not getting any satisfaction at the local branch and being refused the contact information for a supervisor above " XXXX '' I was given a ( XXXX ) XXXX phone number that served no assistance and I am currently waiting for a manger to call me back because the " two '' of them are in a meeting. I sent a screenshot to XXXX at the XXXX branch to show her the rate listed is in fact 16.97 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My CoinBase account had an attempted password hack and I could never create a new password because they locked my account. I emailed Coinbase because they do not have a customer service phone number but they never replied. I had {$900.00} in my account that I cant access. Ive tried multiple password and account resets but the app keeps saying my account is locked. I made a complaint with the XXXX XXXX XXXX but they informed me that all they can do was submit my complaint. Coinbase has a reputation for locking accounts and Ive read individuals have to contact a lawyer. I believe theres a class action lawsuit against Coinbase. Please any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During the time of XX/XX/XXXX through XX/XX/XXXX, I was XXXX. Prior to being XXXX  some of my belongings were stolen. During that time, there were several transactions made that I did not authorize ranging from money being sent in XXXX XXXX to a scammer, to purchases for XXXX and XXXX. I filed a dispute with my bank on XX/XX/XXXX once I was able to have a phone ( also, my bank is Chime ). The amount of the dispute was {$600.00} ( Claim ID # XXXX ). I was able to submit proof to Chime that I was incarcerated and was not able to even access my phone or debit card to purchase anything ( with my book-in and release report ), and nobody should have been authorized to make these purchases. I was able to receive info from XXXX XXXX about where the transactions originated from and where the funds were being sent to. After submitting this information, my dispute claim was denied. Total cost of money taken was needed for rent, and I don't feel this was investigated properly. I filed my dispute on the XXXX of XXXX, the dispute denial letter says that the dispute was placed on the XXXX of XXXX ; the total time to investigate was XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company is called Enhanced Recovery Company. They refuse to verify the accuracy of my information. The debt is for a XXXX  phone I returned over 6 years ago that XXXX stated they never received. The debt collector now continues to Re-age my debt so it can look recent and continue to hurt my credit score. The amount is over {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage through XXXX XXXXXXXX Mortgage. Last year ( XXXX ) was my first full year with the loan. On about XXXX of XXXX, I received a supplemental check from my escrow account in the amount of {$3700.00}. It came just in time to pay off my supplemental tax bill. 

By XXXX ( XXXX ), I got a letter with my mortgage statement stating there was a {$3700.00} deficit in my escrow account. Because of the deficit, they caused by sending a supplemental check, they added {$600.00} per month to my mortgage payment. I'm already paying {$5000.00} per month, another {$600.00} per month will break me financially. 

When I do the math, {$600.00} per month at the end of the year is {$7200.00}. If they are short {$3700.00}, why are they charging me almost double to recover the deficit? 

In XXXX, I called and spoke to a customer service representative from XXXX XXXXXXXX Mortgage. I stated I wanted to take over my impound account and I will continue to pay them their principle and interest only. I was directed to write a letter to the administration building in New Jersey, explaining my concerns, which I did. 

My response came in late XXXX ( XXXX ) stating my request to take over my impound account was denied. I again called customer service from XXXX XXXX Mortgage to ask why I was denied when they are still getting their principle and interest. The representative told me my mortgage was sold to an investor, J.P. Morgan Chase, trust. They are the ones who are denying my request because the original loan contract had an impound account. 

I have spoken to many loan agents who work in the field of mortgages, and they all said this is a common request to take over your own impound account. They couldn't give me a reasonable answer as to why I was denied. Also, the consensus was that adding {$600.00} per month to my mortgage payment, was extremely high. 

I simply don't trust them handling my impound account. Please help me before I slowly lose everything because of their mismanagement of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

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. 

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX, and their affiliate XXXX have reported multiple times the same debt to credit agencies. I have tried to contact them and they only have a phone bot so I am unable to get anywhere with them as I don't have an account number.j Transunion has allowed XXXX to report this same debt multiple times and I contacted them to find out why they allow this. I ended up with a customer service agent outside of the XXXX and communication was a problem. He did not understand my complaint, read prepared comments that did not apply to my complaint and would not let me speak with a supervisor or manager.

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 2021-06-14
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I submitted to freedom mortgage on XXXX XXXX that we were approved for 10 % XXXX vets in the county that we reside in. I submitted all the paperwork to them to show that the XXXX vets was approved. I spoke with someone on XX/XX/XXXX to check on the status of the request. I was told that they have until XX/XX/XXXX to get the information. I did not hear anything back, so i called on XX/XX/XXXX. They started that they have the old information from XXXX and started that the tax assessor gave them the information from XXXX. When i applied i told them that the exemption was for the current year which is XXXX. The company closed my case and refused to get the corrected information from the tax department. Currently, they have our escrow amount at the wrong amount and is supposed to be XXXX less. Basically they are taking XXXX more than what they should be and is refusing to correct the issue. Then the supervisor asked me to get the information on their behalf which was the first time this was requested. I was previously told that they would get the amount from the tax assessor or send someone other there to get it. At this point, freedom mortgage is lying about my property taxes and refusing to get the correct information for the tax Assessor. Meanwhile they are taking XXXX more from us then is required. I really need help with this. We are being taken advantage of and rob by this mortgage company.

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 2023-03-26
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Misspelled names and addresses that I will never live that need to be removed

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Tenant from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXX XXXX  XXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing. 

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account.

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NC
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 have a closed/dismissed XXXX  that XXXX, Equifax and XXXX are reporting on my consumer report without consent of negative and harmful feedback on my profile and hindering processing for housing. Due to this being a violation of my right to privacy under Title 15 US code 1581, I have requested removal by XXXX XXXX XXXX  as well as an Affidavit of Truth and received no remedy from these agencies. I have contacted the courts where my previous XXXX  was filed and they have verified that they did not provide my information as either. I would like the reporting of this XXXX  as well as all addresses associated with this filing removed from all reporting agencies.

Company response to consumer: Closed with explanation