BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home at on XX/XX/2019 and originated a new mortgage in the amount of {$450000.00} at that time with XXXX XXXX XXXX As is required, I paid a mortgage recording fee at the time of origination of my loan to the city. About a month later, the mortgage servicing rights for that loan was sold to XXXX and subsequently, effective XX/XX/2019, to Carrington Mortgage Services , LLC . The first piece of paper I received from Carrington Mortgage Services , LLC, arrived on XX/XX/2019, and with it a recording fine of {$40.00} listed under " XXXX recording fee. '' I subsequently contacted the company on XX/XX/XXXX and XXXX to understand what the fee was for and at first was told that it was a fee charged to homes in foreclosure ( which mine is not ) and then told that the " best guess '' is that it is the mortgage recording fee paid to the local authorities at the time of origination of a new mortgage ( which mine is not ). I have received absolutely no remedy from the company, except requests to make my request in writing, which I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a crown put on my wisdom tooth and when the crown was placed it had a hole in it. They were supposed to schedule me to come back and replaced the crown which they never did. Also, they did not tell me that I owed that amount until I was questioning them about the fee that they was charging me concerning another procedure. XXXX the office manager became very rude to me because she was charging me a higher fee than what she was charging my insurance company. Which she waited to provide the information to the insurance company and that is when I was told about the fee that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage XX/XX/2020 with BECU. My escrow account balance has not been returned to me. I've made several calls with no resolution. I'm now being told they won't even cut a check until XX/XX/XXXX! They are required by law to return it within 30 days. XX/XX/XXXX will be 45 days, if they even send it out. It's illegal. It's my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: ACIMA CREDIT, LLC
State: PA
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:
Information not mine, account was not verified showing it belongs to me with my ID and other info that pertains to me. Company was not able to send verification of my purchase and validation of myself being involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX and I am submitting this report by myself and this is not a third party or a credit repair company 's statement. 

I requested TransUnion LLC to provide the description of the procedure used to determine the accuracy of the disputed items in my credit report, but they did not. 

Please see the attached documents for your review.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-20
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERLA AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a XXXX was filed with the irs by XXXX XXXX and to date i have NOT received a XXXX from XXXX XXXX  for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXX XXXX  is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : 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 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My complaint is in regards to a missing credit issue. I have been dealing with this issue since XX/XX/XXXX I have gotten gotten no resolution. On several occasions Ive waited on hold multiple hours at a time only to be given the same response by countless representatives. 
Whom all say they will do their best to help. In XX/XX/XXXX I was a victim of credit card fraud and a little over {$1000.00} was taken from my account on authorized I just paid it is transactions and was given back the credit. Due to some issues in the system XXXX Bank of America prepaid deducted {$500.00} or a little more from my account it was found that the products were in fact due to go back into my account and I was receives know that the credits would be refund it. I have not received the money back in all this time I continue to call and follow up and have not once received any email from XXXX or male Correspondence besides the letter stating that I would be given back my credit. My last letter stating that they would in fact deposit back the money to my account so they would do so within a Few business days. That letter was sent in XX/XX/XXXX it is now XXXX and I have received nothing. I am a single mother of XXXX on unemployment and in dire need of this money and have experience overwhelming stress and anxiety due to this set back I am in jeopardy of losing my apartment and have exhausted all options of obtaining resolution. 
XXXX XXXX : XXXX XXXX XXXX Description : I would like the credits returned to my account 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 explanation
Consumer complaint received 2021-01-19
Company: AMERISAVE MORTGAGE CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were preapproved for a refinance for our home through Amerisave. Address of the home in question is XXXX XXXX XXXX XXXX, XXXX AZ XXXX. While we were still in the middle of the refi process ( gathering documentation ), our home originator XXXX XXXX on XX/XX/2021 pressured me to pay a {$500.00} application fee which he explained was non refundable. I paid this with my credit card under pressure and kind of had an uneasy feeling about doing so. As soon as that application fee was processed, Mr XXXX ceased contact with us ( other than form emails ). In the form emails he kept asking for financial info which we had long ago provided. I called him and left numerous voice messages and numerous emails. I have not received a single response from Mr . XXXX. I believe he is committing fraud by keeping my money and refusing to communicate with me XXXX XXXX NMLS ID # XXXX Amerisave Mortgage Corporation NMLS ID # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-06
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:
FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX MY XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXX, TX 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 2019-06-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The buyer XXXX XXXX first contacted me saying she wanted to buy the pants for {$8.00} when they were listed for {$15.00}. I made a Counter offer of {$11.00} and she accepted. The pants were described as being in very good to excellent condition, but I was selling them due to being too small. She Became abusive on XXXX saying I was a XXXX, XXXX person. She wanted To keep the pants, but wanted me to give her an {$8.00} discount, Thereby giving her the pants for free. She also chose {$10.00} shipping even though the listing only offered {$7.00} as shipping. XXXX ruled Against her and then she went to PayPal. Paypal asked her to return the pants and she shipped a different pair in size 27. The pants I sold were a size 29. 

When XXXX asked her to send photos to me as proof, she never responded to the request for photos. Her ratings ( shown here ) show that XXXX has had to delete several of her reviews because she has been INAPPROPRIATE. Buyers like this are harmful to The XXXX and Paypal community. 

I want my money back. She committed FRAUD and is dishonest. She stole my pants and Pay Pal gave her a full refund. 

URL : XXXX : https : XXXX URL : PAYPAL : https : //www.paypal.com/myaccount/transactions/details/5FN76780V3091862E? from_legacy=true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Mercedes Benz Financial Services
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX and equiofax 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. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$6400.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Prosper Marketplace, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am receiving an email from this company called Prosper, which says my loan application has been rejected. But I have not applied for this loan at all. This might adversely affect my credit report. Or somebody is impersonating me. 

Copy of the email I received is provided below : On Tuesday, XX/XX/2021, XXXX XXXX  EST, XXXX XXXX wrote : Dear XXXX Thank you for visiting Prosper. More detailed information about why you are unable to obtain a loan through Prosper at this time is available in your Prosper mailbox. Sign in to read this message. 

Thank you, Prosper

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 2021-01-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with PHH mortgage. I have recently been declined for a loan modification and mortgage assistance. I believe we are a victim of a predatory mortgage lender. We were never aware or told the our mortgage had a ballon payment. Originally with OCWEN, PHH informed me they6 could assistance me with a loan modification. I applied for a modification and was declined because the loan value was {$240000.00}. I wrote back to PHH stating the appraised value was wrong. I resubmitted for a modification while showing the value was higher. PHH then declined me stating the value of the property was {$290000.00}. PHH has never done an interior appraisal. The representatives are located in XXXX. They have no idea the value of my property and are making up information to decline me. That is bank fraud, predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: FL
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:
It is quite frustrating being in this situation. The credit bureaus are no help, the customer service is rude. I am sad and it is taking a lot from me, I am strong and I will like for this to be resolved Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complaint myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I have Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: MoneyLion Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The financial institution has denied my dispute claims without any supporting documents to authorize a denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief