BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We were unable to pay our last few bills on line. We were told it would fix itself and to wait. Well now we have a 42 day late pay on our record. If by chance someone finally told us to pay via certified check via the mail. 

This killed our chances for a VA home loan. I wish the person would have told me that the first time I called. This would have never happened and now we are begging them to reconsider their decision and remove it from our credit report as it was not our fault and it was our very first late pay with them. Our home is paid off in XXXX but this mess up is impeding us from a home purchase. 

Thank you for taking the time to read this letter. We are writing because we noticed that our most recent credit report contains a late payment of {$500.00} reported in XXXX of XXXX  to the credit bureau for our XX/XX/2023 mortgage payment to Carrington Mortgage Services , LLC . 

We want you to know that we understand our financial obligations, and if it werent for the help of your customer service and researching staff noticing that the payment function was grayed out from our account so the final/last few payments could be made via telephone and sent out via certified funds, etc., we would have an excellent repayment record. 

We made a mistake and took for granted in thinking the Carrington payment system or option would repair itself and the payment option would be restored and let us make the XXXX payment sooner rather than later with no consequence, etc. 

This was a true wake up call for us. Please know we did have the funds to pay our XXXX and XX/XX/2023 bills at the ready but our delay, complacency and over excitement to have our first ever home paid off got the better of us. 

Since then, we have had a spotless record of on-time payments. Now that my wifes father has passed on and her eighty-three-year-old mother needs to move in with us we are planning to apply for a Veterans ( VA ) Home Loan to purchase a home to better suit her medical needs.

It has come to our attention that the missed payment on our record is hurting our ability to qualify for a Veterans ( VA ) Home Loan. We truly believe that it does not reflect our credit worthiness and our commitment to repay our debts.

It would help us and our family immensely if you could give us a second chance and make a goodwill adjustment to remove the late XXXX payment from XXXX of XXXX  credit bureau report. 

Thank you for your consideration, and we hope you will approve our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
After reviewing my credit score on XXXX, I noticed that there was a debt to chase for a credit card amount for XXXX. After opening the credit journey service in my chase account, I was able to see that a credit card for the company was opened on XX/XX/2006, which was when I was XXXX XXXX XXXX. I also gathered that the creditor info was for a chase bank located in XXXX, delaware which I have no connection to and have never been to. I have already disputed the claim with experian as this credit card was opened without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They were using my debit account and the bank decided to close it and not give me a bank account after 5 years

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 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i only authorize for 1 auto company to run my credit which was XXXX XXXX ( XXXX XXXX, XXXX  ). However, there is multiple auto loan that ran my credit without my permission, they are listed below. 
CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
I was a victim of Lexington law they were supposed to fix my credit years back I was paying money to them for 6 months and nothing changed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
American Express XXXX {$3400.00}. Credit score dropped over 40 points overnight! 
XXXX XXXXXXXX XXXX  XXXX {$1300.00} Credit score dropped over 20 points for no reason! 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have no late or delinquent accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked for times and dates of an account being open. I also asked for other information to be given to me because I dont have a account through them I asked several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My monthly payment increased from {$310.00} to {$320.00} ( I'm not able to pay unnecessary increases in mortgage payment ) due to my fixed income, Social Security. 
My original agreement with XXXX XXXX they would refund my overpayment at the end of the year, but, Select Portfolio Services inc. keeps the overpayment. I have spoken to them by phone twice and they said they would reduce my mortgage if I pay them {$100.00} On Thursday XX/XX/2023, I spoke to XXXX and I paid {$50.00} of the {$100.00} which he said I owed {$56.00} left then my new payment would be {$310.00}. XX/XX/2023 XXXX I paid XXXX XXXX the phone {$58.00} at which time XXXX said my new mortgage starting in XXXX would be XXXX confirmation # 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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello, I have new information in regards to Transunion to follow federal law. I have sent multiple notices to Transunion making them aware of the many violations they have committed and yet they have continuously put their company policy in place of the FCRA. I never gave them permission to furnish anything on my report yet they say they do not need permission from my. Pursuant to 15 USC 1681b it clearly states that without a written express permission from the consumer it is unlawful to furnish anything on my report. The negative information has caused me to lose my job, lose my car, and doesn't allow me to properly extend my credit for credit cards, apartments, etc.

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 2021-07-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding ... ..I sign onto their website ( with my name dob, & last 4 of my ss # ), and it gives me someone else 's name and debts ( not even close to my name ) ... .to me that is a breach in the other person 's personal information. I called this XXXX company and they don't want to do anything about it or even acknowledge it is a problem. So just know, they will let anyone see your information and not even care!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I submitted an application to Select Portfolio Servicing for a loan modification due to Covid and was denied for contradictory reasons. I lost my primary income of XXXX  in my home when Covid hit and was on Pandemic Unemployment Assistance ( PUA ) until it ended on XX/XX/XXXX. During the period of time I was receiving PUA I was able to afford my mortgage payment. Since PUA ended, I have been struggling financially to make an income that will pay my bills. There are two people on the loan, myself and XXXX. XXXX and I have been not living together since XXXX, but remain married on paper for the purposes of retirement ( his retirement goes to me upon his death ). I don't have a retirement so I can't afford to lose this benefit. XXXX is also XXXX XXXX XXXX than me. In XXXX I was able to successfully obtain a loan modification from the same company because they understood the situation and took into consideration XXXX expenses as well as his income, including the fact his income covers his household. When denied the loan modification, they gave me several reasons : 1 ) There was too much money ( they failed to take into account XXXX expenses and allocated all his income to this household ). 
2 ) There wasn't enough income. ( which is it, not enough or too much? ) 3 ) I wasn't on unemployment. ( I would be on it if the federal government extended it ) I have tried to communicate numerous times the specific situation I am in, including voluntarily sending letters of explanation, and expenses statements for XXXX. However, I have been unable to ascertain if the underwriter actually has reviewed them. Furthermore, I am being told there XXXX be other reasons for denial from the investors, such as not wanting to do a second loan modification. Nothing of this was stated in my denial letter, and this is not being transparent. 

I understand that mortgage companies received federal monies to assist people that have been affected by Covid. This is me. I'm trying very hard to make ends meet and generate an income. I'm borrowing money to pay the mortgage and it's not sustainable. If I had received a loan modification, even a temporary one, it would be easier to make the payments. I am scared to death to get behind on my payments because I am afraid of losing my home that I've lived in since XXXX and have no intentions of ever selling or moving. 

I would like my mortgage company to review my file in detail and acknowledge that the scenario is the same as XXXX when they granted me a loan modification, only this time it is directly a result of Covid. 

This is eerily like XXXX when mortgage companies received government funds, but did not pass along to the consumers. I wonder how much they received in government funding due to Covid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was Baited into an online dating site on a {$99.00} Transaction ... see previous complaints, Temp credit was reversed, and then redeposited into my account, the data files for this complaint were merged and some of the uploaded data was lost as well as notes in claims to make this go away.. to do they they would request a non communicating merchant agree to give me a refund ... they took this out, then they took another fee out unrelated to this that I mentioned being a long standing customer ... The Same Claims People making something go away took over {$200.00} out, causing an account issue # 1 as an it student I can not deal with this and # 2 I refuse to be ripped off ... spent a week on the phone started again to call and my account was in the process of being closed. All Claim data was rejected I took my time out again only to find out they are closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-08
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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: Account status incorrect

Complaint:
XXXX  is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax has been providing, submitting, and disclosing incorrect/inaccurate info : for sometimes now from, XXXX XXXX XXXXXXXX, up until presently ( XXXX )! What's differently now is this : I had recently opened a credit card acct, with XXXX XXXX! That decision alone didn't set, so well with Equifax, and more certainly not with XXXX XXXX neither! So therefore they ongoing dysfunction, and simply perjury has increased big time! All this is playing out, under their third-party vendor platform XXXX XXXX XXXX XXXX  XXXX Equifax tells, and authorizes XXXX XXXX to do, say, show, and displays! Then you best to believe it ; they wasted no time, doing just that without question! As a result of XXXX, and XXXXXXXX XXXX connections/partnership in some capacity! It has caused the following : I had to close my acct, with them prematurely, and voluntarily, and Equifax on the behalf of XXXX XXXX had conspired, to caused unnecessary discrepancies, Inaccuracies, and confusion to my credit report/score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have multiple loans with AES and have a near perfect payment history with them. But in XX/XX/2019, I was out of the country and unknowingly missed a payment for which they reported me 30 days delinquent. The AESobile and online portal for paying loans is very tough to use and confusing to pay what is owed and also see what is timely versus what is late. Even XXXX reps will say it's confusing. This issue caused me to not apply payment properly to the right loan and pay the right amount. Hence I was short and they marked the loan late as I didn't pay until I returned in end of XXXX. I've tried to reach multiple people and get this remediated but noone is working with me. This is a huge issue and one payment is causing grief and credit score issues. Their platform for payment is completely misleading, and I'm suffering as a result of the confusion it caused. Furthermore I inquired immediately about if I can get a backdated forbearance around when this happened and they said it was not available. Multiple reasons why they should really remove my XXXX late mark

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, 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 was a victim of Identity them. I filed a report with Identity Theft. Gov. I submitted all documentation to Equifax, XXXX and XXXX. XXXX and XXXX corrected my credit reports immediately. I was a victim of the Equifax breach. I have sent documentation, the Identity Theft report and letter from that site. Equifax still refuses to remove the accounts off my report. This has been going on with Equifax for the past 2 years. There are 5 accounts on the Equifax report that should be removed. I received an email that the investigation is complete but there is no change to my credit report. I was also a victim of a disaster declared area. I have trying to find adequate housing for me and my son but Equifax is making it impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Williams & Fudge, Inc
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
William 's and Fudge used tactics that they know would be inconvenient and embarassing to the debtor ( me ). 

I owe about {$2000.00} from a Perkins student loan ( given to low-income students ). I currently work as XXXX XXXX  for the XXXX XXXX XXXX. To collect this debt, Williams and Fudge called the office for a Member of Congress, spoke to a congressional intern, and left a message with the intern to have me call Williams and Fudge. Later in the day, the intern asked me " what that was about ''. Any reasonable debt collector would know that this is embarassing and could damage my professional reputation. 

This came after Williams and Fudge made several phone calls to my family and friends asking to get in contact with me on an urgent financial matter. 

Williams and Fudge of course had all my contact information. While I'm certainly at fault to some degree for letting the loans go into default, 2022 was a difficult year for me. I was diagnosed with XXXX XXXX in XX/XX/2022, had successful XXXX, and spent the last half of the year recovering. I let some bills slip by that I shouldn't have -- -but the tactics used here for a PERKINS loan are just really unacceptable.

Company response to consumer: Closed with explanation