BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off for 2.5 months due to covid. My husband 's hours were reduced. When I first got laid off I heard there may be help from mortgage companies. I called my mortgage company ( Carrington ) & they seemed very sympathetic, helpful, & told me I could go into forbearance for 3 months. I was told during forbearance I could make payments or partial payments if I wanted/could. I also received a letter letting me know I would be in forbearance. The letter told me my payments were not being forgiven, which I didn't believe they were. I simply thought they were being added to the end of the loan or postponed for this time during the pandemic. I called yesterday to make a payment as it has been 3 months & I am back to work. I was told that loan forbearance had been automatically extended until XX/XX/2020. When I said we didn't need forbearance any longer as we were both back to work, I was told if I removed forebearance, all the missed payments would be due today & if I could not pay it all, then it would be reported to credit agencies & my loan would be considered delinquent. I was shocked. I asked how in the world forbearance was ever considered a helpful thing to do, if it meant a giant payment would be due in the end. There is no point to it. I was told, I was informed of everything in the letter I received. When I hung up the phone I looked at the forbearance letter & NO WHERE does it say at the end of forebearance all postponed payments are due. If I had understood this was what they were planning to do I would NEVER have agreed to a forbearance. I called again to let Carrington know that my letter does not say all payments are due in full at the end of forbearance. I again asked how forbearance was helpful. The 2nd person I talked to stated that " everyone '' thought payments were going to be added to the end of the loan. That I was not the only one. He told me to try to catch up between now & XXXX, but if I couldn't there would probably be some options available in XXXX to help people who are behind. I feel that Carrington misled me about the details of forebearance thus putting me in a situation where I am " behind '' on mortgage payments. I want to report them for false information & if they received any government bailout money to help people during this crisis, they are absolutely helping NO ONE! I already had a dislike for this company. My loan was with XXXX XXXX, but was sold to Carrington just a few months before the Covid crisis. Carrington 's website is difficult to navigate & they charge you fees to make online payments or phone payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
purchased clothing in XX/XX/2022 .from XXXX XXXX XXXX received bill in XX/XX/2022 and paid in full. 
continuing to receive bills monthly with added late fees and interest. customer service is deplorable insisting there is no record of payment. supplied copy of check that was sent paid in full and back of the check has proof it was stamped and deposited. 
Please help me solve this. its been going on since XX/XX/2022 and the bill is now up to {$310.00} Sincerely, XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 bureaus are reporting accounts that were results of identity theft. I tried times after times to ask for blocking under FCRA 605B but the bureaus do not care. They are violating several laws and regulations but do not seem to care.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 owed money for an old bill and it was taken over by a collection agency XXXX XXXX. It was on all three of my credit reports. I disputed them all and XXXX XXXX removed the debt from XXXX and XXXX but will not remove it from TransUnion. I keep filing dispute which they deny. I called he company today and asked for explanation as to why they would remove debt from two out of the three but leave on one. Its the only thing preventing me from getting my first time home owner loan in the spring.

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 2021-05-07
Company: DISCOVER BANK
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:
I WAS VICTIM OF IDENTITY THEFT AS A RESULT OF THAT ACCOUNTS WERE OPEN UNDER MY NAME THAT ARE NOT MINE AS FOLLOW DISCOVER FINANCIAL SERVICES # XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I did a balance transfer with BofA last year and set up an auto pay to get the card paid off during the promotional period. The balance was paid in full, on time in XXXX and I cancelled the auto pay of {$620.00}. In XXXX the bank pulled another payment from my checking account and created a credit balance on the credit card. I called them on XX/XX/20, explained the error, provided my routing and account numbers and was told that I would be reimbursed within 2-5 business days. On Friday, XX/XX/20 I called and spent over an hour trying to speak with a human being. At that time I was informed by a front line clerk and a supervisor that the transaction was being processed as a dispute and that it could be up to two billing cycles before I was made whole. This is NOT acceptable and I have gotten nowhere 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 monetary relief
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is my follow-up prior to my last complaint dated XX/XX/23 to ensure that these items are deleted : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$1600.00}

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 2022-12-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi I have tried to reach out to all bureaus again and got a response on XXXX from only XXXX and nothing has changed and after pulling my report again I still see no change. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: FREEDOM FINANCIAL NETWORK
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I enrolled with Freedom Debt Relief XX/XX/2018. They made extensive promises to settle my debts within 6 months. After just one year, they only settled one debt, and I have been taken to court three times by creditors. Each time Federal Debt Relief said there was nothing they could do, even though I also purchased their legal services. My credit score has dropped by over 100 points, my debts are behind, but the company has charged me a myriad of fees. It has been a complete nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAINE & WEINER COMPANY, 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:
On XX/XX/2020, CAINE & WEINER COMPA add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER COMPA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Credit Plus Inc
State: OH
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:
On XX/XX/2020 I worked with XXXX XXXX  to obtain an application for a loan. The application was online. There was a step in the application that had a checkbox asking for consent to do a hard pull on my credit report. I unchecked the already checked box, logged out of the website and did not proceed to the next step of the application. On XX/XX/2020 I saw that they had submitted my application through Credit Plus, which seems to be a Maryland based company. Upon contacting  them with my dispute, after XXXX XXXX referred me to handle it there, they sent me a letter with my application enclosed stating it was authorized. I have been in contact with XXXX XXXX at Credit Plus but he has stopped responding. There was no consent by me for  this hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: MO
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my 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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: MO
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: PNC Bank N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was charged late fees for the month of XXXX and XXXX however the bills for XXXX and XXXX were not sent to me because the address was wrong and when I spoke to the cardholder representative they said yes the bills were returned to them. Therefore I had no bill that I could pay an amount for because I never received a bill. I thought that the reason I wasnt getting bills in the first place was because of the Covid situation possibly and I was just waiting for a bill. When I missed a payment in XXXX they reported it to the credit bureau because they have some sort of policy after 33 days they report to the credit bureau. My issue is I never received a bill to pay. When I did get a response from the Card company I spoke to a representative and pay late fees and outstanding bill of {$50.00} and change immediately. I asked the card company if they could delete the mistake due to the wrong address and they told me it wasnt their department and told me goodbye and have a good day! Im looking to solve the situation because my credit score has lost 50 points or more and Ive never missed a payment on any of my cards for the past 30 some years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: American Financial Network Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
American Financial Network, NMLXXXX, called my Donotcall registered cell phone from XXXX fraudulently claiming to be associated with the Veterans Affairs Department and offering financial services. I have no business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX XXXX, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.

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 2023-07-04
Company: Experian Information Solutions Inc.
State: TX
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:
Companies on credit report ran credit without my permission.According to USC 1681 sec 604a they can not do this.Credit reporting agenies no help

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 2021-05-07
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made five disputes for my Navy Federal Debit card ending in XXXX for checking account XXXX. 

I submitted the evidence. Evidence is the SAME for all 5 disputes. 

Navy Federal decided in my favor for 2 of the 5 disputes, therefore ruling against me for 3 of the 5 disputes. 

This is DESPITE the evidence being the same for all disputes. 

I submitted proof I returned my orders. Apparently is was good for 2 of the 5 disputes. Why is that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2020-07-14
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Upon my application for a mortgage with another lender, AmeriSave mortgage began calling my cell phone. First, this is a TCPA violation as they did not obtain my consent to contact me via cell phone. Secondly, I made no contact or application with AmeriSave. However, they stated they have my information and they have me approved for a mortgage. I never applied or contacted them in any way. They are obviously purchasing leads from the credit bureaus for recent inquiries. As this is a misleading practice and they are violating TCPA they should be fined. On XX/XX/XXXX I received two phone calls, On this first call, I made them aware, on a recorded line that they did not have my permission to contact me and that they were violating TCPA. It took me four additional calls after the second call from them today to get someone to acknowledge they were removing my phone number.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have filed several disputes with the following credit bureaus XXXX, XXXX, EXPERIAN, I have request update credit reports and have received no answer to my disputes nor for the update credit report request.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: CT
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 have attached the document that reflects an inaccurate amount that is placed under my name. This clearly states that you have violated the abovementioned rules and I would like for you to act on it by deleting this account that you have inaccurately tagged under me.

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 2018-02-09
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: Old information reappears or never goes away

Complaint:
Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my Experian credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.

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