BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father, XXXX XXXX passed away in XX/XX/XXXX. My loan was previously at XXXX XXXX XXXX and sold to Carrington Mortgage Services. They changed the ownership back to my deceased father. 

I sent them a copy of my father 's death certificate. I was told I can not speak unless I have executor or small estates affidavit. In the mean time, I contacted XXXX XXXX and was told to fax my birth certificate showing that I am his son along with a password to a specific fax number. I did this. This was back in XX/XX/XXXX.

It is now XX/XX/XXXX. I still can not speak on behalf of the mortgage loan. Furthermore, there is now a financial error in my mortgage. My statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX shows that I owe XXXX as my regular payment. 

I paid this amount. The statement came dated XX/XX/XXXX with payment due date XX/XX/XXXX. Now they show I am 2 payments behind. They took my payment from LAST MONTH and put it in unapplied funds. I send the correct amount based on the statement that was sent to me, and they are now saying I have over due payment for XX/XX/XXXX Payment plus the XX/XX/XXXX Payment. I am attaching the statements for review. 

I am not allowed to speak with anyone. No one can resolve my problem. I am very, very concerned about this. Furthermore, they are EXTREMELY RUDE and wanted to slam the phone down on us when we tried to call them. The women 's name was XXXX and this is in the Customer Advocate Department. I am attaching all copies of correspondence I received and sent to them. I need help. 
I am waiting to see if I will receive a return call from XXXX XXXX, who was left a message today XX/XX/XXXX to return my call. Also, she failed to follow up on this issue. It was left unresolved and unfinished. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, & (  XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.

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 2021-11-15
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately. 
XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: FL
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 have disputed these unauthorized inquiries on my credit report with the lenders and Equifax repeatedly and have not been able to rectify the situation. I ask that you remove these fraudulent inquiries from my credit report : XXXX XX/XX/XXXX Equifax Mortgage Solut XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$0.00} XXXXBalance {$0.00} XXXXBalance {$450.00} XXXXBalance {$16000.00} XXXXBalance {$1300.00} XXXX Amount : $ XXXXDate Filed/Reported : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There are several charges on my BOA credit card that was not authorized XX/XX/XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX, CA XXXX I have asked to be credited however nothing happened. Also, I have had this account since XX/XX/XXXX and have never been late. In XX/XX/XXXX I was reported for being 30 days late. I {$25.00} I would never jeopardize my credit over {$25.00}.

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 monetary relief
Consumer complaint received 2018-06-27
Company: Navient Solutions, LLC.
State: NV
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:
I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with NAVIENT. I spoke to NAVIENT after all loans were paid, and was told my loan would be reported as, closed, and paid. Navient still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with Navient but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
For nearly all of 2017 thus far I have not been able to access my credit card statement for my Barclays ( Barclays Arrival+ card ) - I am signed up for electronic billing and I get emails letting me know my statement is ready but every time i try to access it from the site after logging in their website gives me this error : " We 're always updating our website which sometimes makes hotlinks out of date. Visit www.BarclaycardUS.com to locate our most current pages. '' I have messaged the company via the site and phoned in and have not gotten any resolution at all. I have the same problem in all internet browsers and on both XXXX and pc platforms. <P/>Not being able to view my statement means i have no way of seeing what portion of my bill is subject to what interest rate among other details I have the rights to see.

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 2019-12-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern, I am very concerned about whats going on with my property, RUSHMORE LOAN MANAGEMENT SERVICES approved a short sale on my property almost 4 weeks ago. RUSHMORE LOAN MANAGEMENT SERVICES agreed to sell the property at the current market value, Buyer paid for their own appraisal and now RUSHMORE LOAN MANAGEMENT SERVICES refuses to issue the short sale approval based on the licensed appraisal report.

RUSHMORE LOAN MANAGEMENT SERVICES told me that even though the value of the house is {$590000.00}.

RUSHMORE LOAN MANAGEMENT SERVICES and their investor want {$620000.00} as penalty to my family and I for my background and for applying for a short sale. 

This response came to my family and I as surprise since we never knew RUSHMORE LOAN MANAGEMENT SERVICES can penalize me because of my background and the history of my property. 

Now were in big trouble because Buyer spent money on the property and I don't have any money to pay the penalties that RUSHMORE LOAN MANAGEMENT SERVICES claims to  have. 


Please help me since I really don't want to have any issues with the buyer. all im doing is the right thing to short sale my home to avoid foreclosure and its not fair that RUSHMORE LOAN MANAGEMENT SERVICES is trying to take  advantage of the situation at the last minute. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Nelnet, 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:
Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with XXXX  in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am XXXX percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$370.00} / XX/XX/2022

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 2020-12-24
Company: CL Holdings LLC
State: GA
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:
Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
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: Account status incorrect

Complaint:
EXPERIAN IS inaccurately REPORTING AS FOLLOWS. 

XXXX XXXX XXXX was paid in full and never late but is currently reporting as a delinquent Charge-off. Please remove from my credit report. 
XXXX XXXX XXXX WAS PAID IN FULL NEVER LATE AND REPORING CURRENTLY DELINQUENT. O Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance on XX/XX/XXXX Loan Amount XXXX XXXX XXXX  acct : XXXX is reporting Inaccurate I have never had a delinquent acct. I do not owe XXXX XXXX XXXX. Please remove from my credit report. 
XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance on XX/XX/XXXX Payment Info Status Paid, was a collection account, insurance claim or government claim or was terminated for default. 

XXXX XXXX XXXX XXXX account : XXXX Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2017-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property was damaged in a storm on  X/XX/2017   . Bank of America required us to get them to endorse the insurance check, which is normal policy for most institutions. The endorsed insurance check, required contractor information, and insurance estimate were sent via overnight mail to B of A on  X/XX/2017    and an overnight return envelope with postage paid was provided for rush requests, per the instructions on their website. I have called on numerous occasions and I am always told that they are working on it. Today,  X/X/2017   , I was told that the " first {$20000.00} was released on  X/XX/2017    '' but that the remainder of the funds will not be released to us until they get my contractor set up as a vendor. The expected date for that is  X/XX/2017   .  <P/> As of today,  X/X/2017   , I still do n't have the funds that were supposedly released and once they are received, the paper check will require over a week to clear, even though I asked that they direct deposit the funds so I can get the repairs started. The delays in this process could be causing additional damage to my home, which will definitely cause unnecessary hardship for our family. Please let me know what can be done to get this process fixed. I have never seen an institution hold funds for this amount of time, when there is work on a property that has to be done.

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 2023-01-14
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was paid off without our permission. I know that normally this would be a good thing but our circumstances warrant a different emotion. 

Last year, in XXXX of XXXX, our home was sold in an XXXX sale that we had no idea was taking place. The XXXX was from XXXX XXXX XXXX XXXX over a personal loan that was not associated with the loan and no documents show XXXX XXXX XXXX XXXX having any liens or judgments against the property. But was somehow they were still able to sell our home to XXXX XXXX and XXXX XXXX, XXXX individuals, the attorney for Founders was acquainted with. The loan that XXXX claims went into default back in XXXX was for a little over XXXX. 

We contacted Fay Servicing at least XXXX times or more explaining the situation and asking if they could do anything. We basically we told they would do nothing and we had to keep making the mortgage payments. If we didn't make the payments and the home went into foreclosure, they would come after us for the money. This didn't make sense because we told them XXXX had already XXXX on the property which meant Fay Servicing would then XXXX a XXXX time on the same property. This can't be legal, if it is, it doesn't make any sense at all! 

Now fast forward to XXXX, we start getting calls from Fay Servicing 's XXXX attorneys asking about payment and threatening XXXX. When we told them the home was already XXXX and not in our possession, they had no knowledge of what we were talking about. Turns out, Fay Servicing didn't take any notes on all the times for months that we called for help. 

XXXX and XXXX 's attorney emailed us asking that we obtain a copy of the payoff for Fay Servicing so that they can sell the home. They wanted an authorization letter giving them permission to obtain the payoff which we advised them we were NOT going to provide. 

Now fast forward again to a few days ago. We call Fay Servicing and learn that the loan was paid in full. We never called or gave anyone authorization to call our behalf for the payoff and Fay Servicing claimed it wasn't in the system which isn't hard to believe considering they don't take notes. 

We are planning to sue both Fay Servicing and XXXX for fraudulently obtaining information from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: WLCC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This  XXXX  individual from  XXXX   XXXX   XXXX  keeps harassing me not only at my place of employment but he is now contacting my sister, my niece and nephew ( who are both   XXXX   XXXX   ) and have nothing to do with this. How did they obtain these numbers???? The constant back to back cals at my place of employment which can possibly jeopardize my job. I have made payment arrangements with them and have made several payments already. Due to unforseen circumstance, unfortunately because of financial reasons could not make the last payment which was scheduled for  X/XX/17   . I have already filed a complaint against the company however nothing has been done because they continue to harass me and my family.

Company response to consumer: Closed with monetary relief