BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage breached their contract with me by failing to auto-draft my monthly payment. As of result of Carrington Mortgage 's failure, they sent me a threatening letter entitled " Notice of Intent to Foreclose ''. I have never been late on my mortgage payments with Carrington Mortgage, and I currently have a XXXX FICO score. In fact, I have made multiple additional principal payments to this mortgage account this year. 

Please see attached documentation showing the threatening foreclosure letter from Carrington Mortgage dated XX/XX/2018 as a well as a screenshot of my XXXX FICO score as provided by XXXX XXXX bank. When I called Carrington Mortgage, the representative advised me that the credit reporting agencies would reflect this negative credit item, despite it being Carrington Mortgage 's fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is in relation to CFPB Complaint : XXXX I initially filed a complaint because my lender/servicer, Freedom Mortgage, wasn't getting in contact with me about their refinancing programs. Since about the middle of XXXX we've been working towards agreeing to terms and closing on our refinance with Freedom ( after a fair amount of back and forth and rate adjustments/comparisons with XXXX XXXX ). I was told that we'd be closing at the end of XXXX. 

As of today I have spoken to more representatives of Freedom Mortgage than I thought I would ever need to speak with. I've been continuously sent back to underwriting for errors that Freedom admits to such as not providing {$1500.00} in lender credits as it just " disappeared '' off of loan estimate paperwork.

I have now had to pay two additional mortgage payments ( about {$350.00} more per payment than our refinanced monthly payment will be ) for XXXX and XXXX during a pandemic where our dollars are already stretched. I have requested that Freedom Mortgage provide approximately {$700.00} in credits as the loan did not close back in XXXX as promised but have been told I'm already being offered the maximum amount of credits. 

I have been passed around to various employees and have asked to speak with supervisors and managers with very little success. Most people are nice enough on the phone but have not been able to resolve any of my concerns at at this point I believe they are stalling to close our loan in hopes we go elsewhere. 

Thanks! 
-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 2016-04-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX credit informed that the hard inquiries created by fraud activity would be removed from my credit reports. XXXX still states that they have submitted the deletions to all XXXX major credit bureaus, yet the inquiries are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My ex husband filed for Chapter XXXX bankruptcy in XX/XX/XXXX, it was XXXX in XX/XX/XXXX. Since then my mortgage company hasn't been reporting on my credit report ( I did not file Chapter XXXX bankruptcy ). This has prevented me from obtaining loans and credit cards due to insufficient credit history. 
When I called Select Portfolio Servicing on XX/XX/XXXX, I was advised that they had every right to prevent reporting on my credit because the debt it joint and that I would need to put my request in writing along with detailing that I didn't file bankruptcy because they still have the account in bankruptcy status on their system. 
I did research and found that not only are they wrong, but they have done significant damage by not adhering to the Fair Credit Reporting Act and the Consumer Credit Protection Act, which states credit it individual and my ex-spouse 's bankruptcy should have never effected reporting on my credit reports. 
I deeply concerned that this is their policy and not only have they caused me harm, but could be causing harm to other spouses that were not included in bankruptcy filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Southwest Credit Systems, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
sent all identity theft documentation requested by XXXX, proving my residence for last 6 years also social security documentation proving I am XXXX I do not need or never bought cable at address I never lived at or know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio recovery calls everyday all day and late at night or early in morning. I have asked several times to stop harassing me. I do not have any money and on XXXX check and thats all I have. XXXX veteran and they dont care I have XXXX and XXXX issues. I want them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
A social security number in California ending in XXXX is associated with me. That is not my Soc Sec Number. I do not currently work for XXXX. I do not have a XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: Bridgecrest Acceptance Corporation
State: MO
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 disputed XXXX XXXX opened XX/XX/XXXX amount {$750.00} and Bridgecrest date opened XX/XX/XXXX amount {$11000.00} both XX/XX/XXXX and XX/XX/XXXX. I included a notarized FTC report to both companies as well as credit bureaus and the accounts have not been removed. These accounts are not mine and was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Their investigation did not fix an error on your report

Complaint:
I previously sent three dispute letters to Experian to get a few unverifiable accounts removed from my credit report. I have sent Experian copies of letters that I received from the companies that they are reporting that I have charge-offs with stating that I don't any outstanding debt with them. As a result of me sending the last three dispute letters to Experian they are now telling me that they will not reinvestigate the same dispute again at this time and if I believe the item is inaccurate then I need to contact the original creditor but at the same time, I've sent them copies of the letters from the original creditors stating that I don't have any outstanding debt with them.

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 2018-05-16
Company: Google Compare Credit Cards Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Let me just start out by saying I am a fully licensed XXXX XXXX, XXXX XXXX and XXXX XXXX. I used to use Google Wallet regularly and it worked great, the transfers were instant and zero delays. I just tried again after switching to the Google Send app, it said it would take 5 days to transfer ( slower than a check or really any form of money movement ), this is unacceptable. I then IMMEDIATELY cancelled the transaction because again a 5 day time frame for a in place transfer is insane. I submitted and cancelled the request on XX/XX/18 and the cancelation was within under 120 seconds. On XX/XX/18 the money was withdrawn from my account, this caused much financial harm to myself as most of my bills debited my account because Google decided they needed my money 2 days later after I cancelled. When I contacted their Help & Support Group they let me know it could take 7-10 BUSINESS DAYS to credit back to my account. This is fraud, commingling and just illegal time frames for any company in the financial industry. They should be ashamed of themselves and the lack of customer serivce, I used to use Google apps and products religiously however now I and my family along with ALL OF MY CLIENTS will consider a new relationship. You are terrible Google Pay and your service is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: MO
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:
The harassment of a debt not owed by yourself is an emotional form of identity theft in itself, I'm been held to debts inwhich I have no knowledge of. And I surely do not have a contract with the following companies, ( 1 ) XXXX XXXX XXXX for {$210.00}, XX/XX/2018, a date inwhich I was out of town anyways. According to the FCRA, I would had to have an contractual agreement with the creditor in order for me to be an responsible party. Again I have no contractual obligation to the above. As a consumer I'm requesting physical documentation of this debt. And for this one as well, ( 2 ) XXXX  XXXX XXXX XXXX, XX/XX/2018. If these requirements are not met then I have no other option but to file a law suit for emotional harrassment. Again no contract with either of the above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for loan with loan depot with XXXX XXXX XX/XX/XXXX Through out this whole Process when they say they will call back they never does. Very poor customer service! We was pre approved for loan on XX/XX/XXXX. Found a house went under contract we was supposed to close XX/XX/XXXX. Received disclosure XX/XX/XXXX signed and submitted back to loan office an we were under the impression that we would close on XX/XX/XXXX but definitely XX/XX/XXXX at XXXX XXXX. XXXX XXXX XXXX informed me that loan officeer who I had been dealing with quit, that was very unprofessional you never supposed to let a client/customer know that an employee has quit. I received a call from XXXX XXXX XXXX XX/XX/XXXX at XXXX requesting more documents that I was not able to come up within 2 hrs. Information she asked for at XXXX XXXX had never been asked for through the whole entire process. We wired {$8800.00} to the attorney. We paid XXXX earnest money we paid XXXX for appliances and also {$470.00} for apprasail. We were under the impression we were closing XX/XX/XXXX. Apartment that I was living in we moved out because we were supposed to close on XX/XX/XXXX so now I am homeless due to loan depot dropping the ball. I also feel that the reason the loan was denied at the end due to me being XXXX XXXX. My license was sent at the end of the process. So I feel at the being it was approved bc they did not no my nationality This has been very emotional distressed, I feel like giving up on life due to this. I feel betrayed. This has took a toll on my entire family. This has brought on illness XXXX and XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$7300.00} XXXX {$0.00} XXXX XXXX {$3300.00} XXXX {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/2021, I changed my checking account. I thought I had set up automatic payments to this account. However, in XX/XX/2021, Synchrony Bank contacted me to inform me that my payment did not go through. To ensure that the correct bank account was set up for automatic payment, I went online to their portal to ensure I made a payment manually and to double-check that I had the correct account on the autopay. A few weeks later, I was charged two late fees. I had made my payment on the due date as Synchrony Bank had requested. So I know I was not late nor should I have been charged twice. I am attaching a letter showing the accounting error. Because I requested the second late fee be removed as well, they ran an automatic review of my account, which pulled the wrong information as my credit was at XXXX for the last two months as I check it weekly on XXXX XXXX. They lowered my credit line using incorrect information. I have attached a credit report as proof of this and a letter showing they used the wrong 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 explanation
Consumer complaint received 2018-05-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2018 I sold my car to XXXX XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when a different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting on XX/XX/2018 I sold my car to XXXX XXXX  XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when I different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting A copy of the statement that shows that they were supposed to give me the checkThey owe me {$3000.00} and I feel like I have been lied to and swindled I am an elder person XXXX years old

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: AR
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 have tried to call and inform the credit bureau that there are plenty of mistakes and inaccurate details on my report. I have disputed them numerous times online and telephone. They still are reporting and not fixing the errors. XXXX XXXX  is reporting payments improperly. I have hard pull inquiries that I didn't authorize. I have asked for it to be fixed and removed, but nothing.

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 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 complaint. This is the results of the outcome of what capital one provided to me last time. 


After submitting my dispute and all proper documentation t capital one, capital one claims they did a fraud investigation and verified a fraudulent item as mine. 

XXXXThey sent me a HUGE envelope from their legal counsel XXXX XXXX  XXXX ( possibly intimidation tactic ) with just pages and pages of this fraud accounts statements mailed to an address I NEVER LIVED AT. How can statements of an account to a fraudulent address be proof?? I am a XXXX veteran and it is a shame to be treated like this. 

Capital One is continuing to report a fraudulent account to my XXXX   credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information them as well as with my 605b FCRA request to block this fraudulent information from my report. THey are in strict violation of the FCRA and this must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2018, I closed my account with Capital One which I had for 19 years. I paid the balance off in full since I am now retied and do not want multiple credit cards open. The other issue I had with Capital One was their unacceptable security over the handling of my account. Far too many fraudulent transactions that happened and they could not offer any explanation. 

Since that date Capital One has continued to keep the account open and more fraudulent transactions have happened, some overseas transactions XXXX XXXX XXXX. I have attempted numerous times to close my account to no avail. Please let me know I can do to put an end to this issue once and for all. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021, I initiated a credit sale through XXXX XXXX to get a car. Ally financial ran my credit, making it a consumer credit transaction, the finance charge being the cost of the car and all associated fees which were paid with my credit card ( social security card ). I went into XXXX XXXX on XX/XX/XXXX and they tried to collect cash payment from me on behalf of ally financial in a consumer CREDIT transaction which is illegal. Also, there was no adequate disclosure given for the fraudulent loan they tried to get me to agree to. If the car that my credit was ran for is not granted to me then fraud has been committed pursuant to the TILA.

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 2020-12-16
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XX/XX/2020 I tried to activate the card. Unemployment insurance stated that US bank relia card froze the account and that I needed to deal with them. US bank stated that unemployment froze the card. I have been on hold all day between the two of them. Both have pointed fingers to the other source and then won't release the money to me. I spent five hours to speak to a live person at the unemployment department and three hours on the phone with US Bank relia card services and no one has a way for me to clear this.

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 2018-05-16
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: Account status incorrect

Complaint:
Experian is in violation of the Georgia Statute of limitations OCGA 9-3-24, OCGA 9-3-25 and FCRA. Experian is continuing to report debt with XXXX XXXX in the amount of {$300.00}. The mentioned debt is over 7 years old as of XX/XX/2017.

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 2020-08-21
Company: CURO Intermediate Holdings
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:
There's a charge-off loan account from Speedy Cash appearing on my credit report. I've never had an installment loan account with Speedy cash. Therefore, this account has to be a product of identity theft.

Company response to consumer: Closed with explanation