BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We recently just finish the forbearance. Now, we were looking to start making the payment. We were confuse about the Process. We didn't know there were 2 different payment options. Carrington contact us by email they said please, please contact us the Completion letter, I was confuse. I receive a call from XXXX XXXX. Thought this and Carrington were one. He then explain each one. XXXX  XXXX XXXX also said we hadn't made a payment in 2 and 1/2 years. A lady from Colorado at Hud call. I told her we built our house in XXXX. She corrected me and said it was XXXX. I corrected her and said it was XXXX. She said XXXX XXXX I'm looking at the screen and it was XXXX. I said oh my gosh!! This is how XXXX people losing their houses. I'm waiting for XXXX  XXXX to produce Payment Histories for year XXXX, XXXX. Carrington and XXXX XXXX XXXX violated " Real Estate Settlement Procedure Act. Failure to make timely payment out of borrower 's escrow. This loan has {$18000.00} dollars sitting in escrow right Now!! Why?? .Our house in Auction " now waiting for XX/XX/XXXX '' Mortgage Service are required to work with you and tell us about all available option to avoid Foreclosure That didn't happen! That was a secret. This house has {$200000.00} XXXX dollar in Equity. This is an investor Dreams. I had 6 calls this weekend to tell me our house would be Auction XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a Navient Signature Student loan. I am in repayment now. I have been told that I have lost the Loan/Borrower Benefit of Signature Rewards - 0.5 % Aft 48M of on-time payments. I am 2 years into repayment. I have made all payments on-time. I have been told that I have lost this benefit because I didn't make the payments after graduating from XXXX XXXX. I was in deferment and forbearance during XXXX and XXXX and was never in repayment until I finished training. This is a substantial amount of savings that I am loosing. I have repeated asked for the promissory notes to be sent to me so I can check the terms. Repeatedly they have said that they will send them to me and haven't. Other loans I have with Navient, both federal and private, have not lost this benefit and therefore I believe this to prove an accounting error that I have no power to correct. There is no way for me to see the accounting record since Navient persuades one to use paperless billing and use their website which does not show an accurate full and up to date record of account history. The representatives on the phone are unclear on the benefit rights and do not have access to the promissory notes to read this to me. Also, I am not clear as to why multiple loans I hold with Navient have had interest capitalize 3 times while I was in XXXX and XXXX during uninterrupted deferment and forbearance. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
hi, My name is XXXX XXXX and I want to complain about a matter handled by synerprise debt collection.I paid the debt and they said that they will issue me the credit deletion letter.This was about a month back.The lady at the customer services desk got my email and told me to give her her the security PIN to open the email attachment which she will send at my email.It never happened! Despite my repeated reminders and requests, synerprise will tell me that I willreceive the credit deletion letter within two days .Its been over a month now and I haven't received the credit deletion letter.

Please look into the matter and get it resolved ASAP!

My Cell # is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine they will not send original contract with accurate information that has my correct information. I've disputed this 5 times and they will not remove it from all 3 credit reports Completed Disputes XXXX Jefferson capital syst XXXX XXXX XXXX XXXX Jefferson capital syst 1 more..XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 more... 
Keep your info safe from identity theft Take the next step and protect your personal info from identity theft. We'll search the dark web and people finder sites for your info and help you remove it. 
XXXX XXXX Protect my info XXXX Date Generated XX/XX/XXXX JEFFERSON CAPITAL SYST Account Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX Collection Payment history guide Collection as of XXXX XXXX Historical info Original creditor XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Had a contract with a developer for three years they change our lender to a new lender now denied my loan saying that my credit was too low I have checked my credit with multiple credit bureaus and my credit is in the high XXXX I believe what theyre doing is trying to sell my property for a higher price from what they agreed to sell it to also this bank passed my credit multiple times to bring down my credit XXXX points down I spoke to a different lender I was told maximum points that I had to lose was XXXX the lender name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Over the past 4 or so years, I have been repaying my loans to Nelnet that were separated into two groups. As I understood, these groups were determined based on similar loan types, interest rates, etc.. This year, I got a notification that my groups were changed. After digging into it, I found out that I had a high interest loan that was being hidden into a group with a low interest loan, which was deceiving. If I had known that I had the high interest loan, I would have been paying llall extra payments towards it. I feel like this is an unfair practice. At least it was fixed this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX is reporting to experian as of XX/XX/XXXX that my account is 60 days past due in the amount of {$150.00}. This account is paid in full with a XXXX balance. I have emails showing I have no active account with them and that all my accounts are paid in full. I received an email from experian today XX/XX/XXXX that as of today XXXX is showing an amount of {$150.00} which is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX XXXX for XXXX XXXX XXXX XXXX with a balance of {$400.00}. I have XXXX numerous notifications to these companies that this is identity theft yet they continue to show on my credit reports despite me being the victim of the crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22
Company: Affiliated Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX I signed up XXXX of my boys for a XXXX XXXX XXXX with the name XXXX XXXX XXXX after researching about the curriculum and core values. This is a local XXXX area chapter of XXXX XXXX XXXX XXXX whose main headquarters is in XXXX XXXX California. After 2 weeks, the gym changed its name to XXXX XXXX and was no longer affiliated with XXXX XXXX. I discussed my concerns with the local gym owner with name XXXX XXXX but he directed me to call Affiliated Acceptance Corporation ( AAC ). I  was also informed that it was not possible to cancel the gym membership. I called AAC several times and wrote to them on XX/XX/XXXX to formally raise my concerns about the AAC trying to collect debt. My lawyer sent them a letter to cease harassing me with collection notification via mail and phone calls. It is now XX/XX/XXXX and they are still at it. They will quit for few months and then start again. AAC told me in their response letter dated XX/XX/XXXX they were unable to process my request to cancel the membership. My take in this matter is that this gym offered me a membership and affiliation with XXXX XXXX by repesentation and then I got a generic XXXX XXXX instruction from former XXXX XXXX instructors. AAC came in the mix because according to the owner, he hired ACC to collect monthly gym memberships because he could not afford an accounting department to process such collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I dont know what to do but I did some work for this guy and he paid me in check and I cashed them thinking everything was good and it wasnt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please review the documents submitted. In 2007 prior to the mortgage industry collapse I wrote the justice department, RESPA, the Treasury Department and state representatives when I discovered I was illegally out into as n ARM. I was not a participant of the Ocwen settlement. Instead of receiving a principle reduction Ocwen threatened foreclosure or sign of on a XXXX balloon. This is after agreeing to the government settlement. 

Loan Modifications for Struggling Homeowners The settlement also ordered Ocwen to provide {$2.00} XXXX in principal reductions to eligible underwater borrowers who were at risk of foreclosure. To accomplish this, Ocwen offered write-down loan modifications to eligible borrowers. ( A write-down loan modification reduces the principal balance on the loan. A lower principal balance results in lower monthly payments. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX The account was paid in full and I would like it removed from all three credit bureaus. This issue should have been resolved when final payment was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My only name is XXXX XXXX XXXX my only address is XXXX XXXX XXXX XXXX New York XXXX There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.

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 2018-07-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am only allowing 3 business days for this dispute to take place and I will be following up with my lawyer. Please look at the attached letter. At this point Im in distress and disappointed that the items I am disputing as an internal dispute continues to remain on my credit without proper verification. I am aware of the law and sections of The FCRA where I see that your company has violated me and my rights with in section 609, 611, 615 and many more to be exact. I will not stand to see another bogus report or letter saying Verified. No possible way any verification procedures were done to verify any of the inquiries that you listed on my credit file as errors. Please continue to the attachment and please read carefully.

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 2018-07-22
Company: Experian Information Solutions Inc.
State: MI
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:
I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but  bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!

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 2018-07-22
Company: Experian Information Solutions 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:
Over the past few months, I have submitted several disputes to the major credit reporting agencies, Experian, XXXX, XXXX and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, XXXX received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from XXXX. 

I want to file a formal dispute against Experian, XXXX, XXXX   and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX Discharged XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.

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 2021-08-13
Company: Experian Information Solutions Inc.
State: MD
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:
I have been disputing with experian about 5 different accounts reporting on my file. I have submitted a ftc report and the items was not removed. I then asked for the original contract to each account to be sent to me for validation. I have not been sent any documentation in over 30 days and the accounts still remain. It is 3 different XXXXXXXX XXXX XXXX accounts, an account from affirm and an account from citizen. According to the FCRA these accounts are in violation of my consumer rights. Each credit reporting agency is supposed to report the same information across-the-board. Experian is the only ones reporting these accounts. This information is to be deleted for reporting misleading and inaccurate 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 non-monetary relief
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: TX
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: Billing dispute for services

Complaint:
Both XXXX XXXX XXXX and XXXX is showing late payments on my credit report. I had paid off my XXXX account in exchange to remove the late payments and they are still there. Additionally, I contacted XXXX and they promised to remove the late payments as well because I am paying on time. Please correct the late payments on both of these accounts. Lastly, There is an inquiry that needs to removed as I did not authorize it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-02-07
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX increased our mortgage payment in XX/XX/2016 because they said our taxes had increased. We learned our property taxes and escrow were increased in error because someone and somehow our square feet of our house was illegally, unlawfully and wrongfully increased to nearly 5000sq. Ft. After we notified XXXX XXXX XXXX and advised them we needed our old mortgage payment reinstated and any overages refunded to us, they transferred our loan to sls, llc. They too acknowledged the problem but refused to fix ANYTHING. We since stopped all payments. Our local tax assessers office has fixed and properly lowered our taxes again because of the error. But no1 wants to change the higher monthly payment or refund our money.

Company response to consumer: Closed with explanation