BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services is currently my mortgage provider. I make my payments every month, electronically, directly from my checking account. I 'm always careful to pay my mortgage on time, usually two full weeks early. I refinanced my mortgage with Carrington ( who was already my mortgage provider ) at the end of 2015. My first payment was due XXXX XXXX, which I paid on XXXX XXXX. I made another payment on XXXX XXXX for the due date of XXXX XXXX. This payment was never posted by Carrington Mortgage. I realized their error on XXXX XXXX when I happened to look at my account online, and have had contact with them on several separate occasions to try to rectify this situation. I have submitted proof of payment to them in the form of my bank statement, and my bank has submitted evidence twice in the form of the e-check. Carrington is still refusing to credit my account claiming " If we find it, you 're account will be adjusted. '' I find this completely unacceptable. I have submitted proof of payment. Where their company misplaced it, is really not my concern. As far as I 'm concerned this company has stolen {$2400.00} from me. I feel that I 've taken sufficient action to prove this payment has been made and Carrington has done little to nothing to credit me for this payment. I feel cheated and violated by this company. AND I 'm uncomfortable continuing to make payments to a company that may or may not credit me for the payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: URS Holding, LLC
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have sent NUMEROUS complaints about the same company : J.C. Christiansen associates over the past few years. 
They constantly call my number they do not display who is calling on the caller ID. It shows " Not in Use ''. 
They repeatedly called me every day m-saturday starting at XXXX till after XXXX. several times a day up to 5 times. 
I have told them not to call me several times and asked for everything to be sent in writing. I have spoken to several people XXXX, XXXX XXXX and a few I forgot. No one seems to take heed to my requests. I have also complained to my Atty generals office in the past and they stopped for a while. Please shut yhis place down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: AES/PHEAA
State: PA
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:
FedLoan Servicing Credit failure to MOV. failure to comply with FCRA 611 ( a ) ( 7 )  within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Collecons : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX Collecons : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-12-21
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was closed keeps re appearing, account has been re-aged. I have already paid a company for the balance which they " Flagship Acceptance '' advised that I was scammed and still owe them. Called multiple times, agents are rude and hangup. This is continuously hurting my credit score. This account has dropped off my credit and then it re appears on my credit report dropping my credit scores. Need help, please. Thank you

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 2019-12-21
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2019 XXXX XXXX focus recv, mgmt. phone # XXXX left message that they are trying to collect an unpaid debt. 
I have zero unpaid bills. 
All of my credit cards and utility bills are always current with XXXX balance. 
I receive no statements by mail of any unpaid bills The call asks me to call them to arrange payment. 

Focus recv, mgmt. has called many times [ maybe 30 ] Is this harassment?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was in between jobs and the company repossessed my vehicle. I did pay the money to receive the vehicle back in my possession, but they are still reporting the account as an charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2016-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
My wife has a Capital One Platinum card. {$5000.00} credit. She quit using the card in XXXX, after she retired. The last time she used was for a dental appointment which almost maxed it out. Since late XXXX we have been paying on it monthly with out fail between {$120.00} to as much as {$200.00}. All of this time the principal was creeping up by a few cents. As of XXXX XXXX XXXX we have paid {$12000.00} on the bill and the balance had come up to less then {$500.00}. I finally realized that that did not look right and contacted Capital One and was given the story about interest verses balance. But when I pointed out that we were not using the card they said it made no difference and ended it there, but the balance did jump from under {$500.00} to {$890.00}, still far less then the almost {$13000.00} we paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have spoken with many representatives in the escalated department regarding late reports on my credit report. I was told to send a " goodwill letter '' explaining what happened and request a one time deletion. I sent the letter in XXXX. I also spoke with a representative that appeared to suggest or led me to believe paying the account off in full in exchange for the one time deletion. I know this has been done for other U.S bank customers. Why am I any different.

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 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft.

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 2021-12-15
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was tracking some Bitcoin that my broker sent me to my coinbase account. Coinbase support had me send funds via various crypto bitcoin, ethereum, XXXX, XXXX tether to track this BTC. I ended up getting hacked and spending over {$350000.00} and still no recovery of my BTC funds the broker and lost my tracking funds as well. Coinbase still asking to me to fund the recovery. At this point Coinbase has bankrupted me. They can't even provide a case number for this. Coinbase is a fraudulent company. Their customer support is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I submitted a letter on XXXX/XXXX/16 to all XXXX Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. XXXX keeps falling off my reports then reappearing saying I owe XXXX dollars to capital one but they have not responded to my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Novad Management Consulting LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Novad Management Consulting, LLC ( NOVAD ) is HUD 's servicer for my reverse-mortgage. 

I have been contacting Novad for months. I have sent several emails to XXXX I am trying to do a Loan Payoff for the home, so i am able to get my home back. Through the months i sent 19 emails, 2 emails directly to XXXX and made over 18 calls. I have yet been called back or received my Loan Payoff Request information. 

On XX/XX/2022 i did receive 1 email on the process for a loan payoff.

which is as follows : The request should include : 1. The FHA Case # 2. The borrowers name and signature ( if applicable ) 3. Property address 4. How you would like to receive the payoff ( Provide Fax # or Email address ) 5. Requesting partys signature 6. Appropriate authorization ( Signed and dated by Borrower or Legally Authorized Representative ) 7. Supporting legal documentation ( Will, Trust, Letters of Testamentary, POA, Death Certificate etc., if applicable ) I followed the directives and on XX/XX/XXXX faxed the filled out completely information to Novad for my Payoff request. I still have not got a call or anything in the mail for my information on how to Payoff this loan. 

On XX/XX/XXXX i contacted Novad and spoke with a woman who noted this information At this time i feel like i am being totally ignored and getting the run around so i am not able to do a Loan Payoff. Which i feel is a violation of the Real Estate Settlement Procedures Act ( RESPA ) I am elderly and ill and i think they are just giving me the run around, All i want is my Payoff Information and information to have the opportunity to get my home back!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A computer glitch that was TransUnion 's problem - not mine - caused two inquiries to be deleted from my credit report. 

TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to the inquiries being added back to my report. 

I called TransUnion in good faith today ( speaking with XXXX ) and asked them to delete the items that were illegally re-added. He informed me there were never any glitches at Transunion and that the inquiries are valid. These inquiries are an added hardship to me, as I am diligently attempting to ensure that my credit report stays clean and accurate. I feel that I have been victimized that that my simple request to remove the inquires should have been honored. 

I am now asking that you assist in getting TransUnion to remove all inquiries from my credit report as a violation did take place when they were re-added.

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 2020-06-17
Company: Ability Recovery Services, LLC
State: DE
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:
Hello, Back on XX/XX/XXXX I did a tenant screening with XXXX XXXX and found that a Company named Ability Recovery Services is claiming that I owe XXXX University. I was at XXXX University for one semester and Financial aid covered the cost and made my account balance for the school XXXX. The Financial aid loan is also through XXXX my student loan provider and since I am actively in school the loan is in deferment. Fast forward to three to four years later and this company is trying to capitalize on a student loan that is already with a provider. When I reached out to XXXX I was told my balance was XXXX and have the screenshots of the balance and proof showing financial aid did their disbursement and I was only there for one semester then left with a XXXX balance. I was never enrolled in any classes. I disputed this with credit bureaus and when tried to contact no one is answering and I am ready to take this as a legal matter because it shows this loan is clearly loan Letter I number 11 on my Department of education XXXX student loan. Someone needs to look into this company as well as XXXX University  for reporting false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Prizm Financial Company, LLC
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
PRIZIM Financial based out of XXXX, OH is the rudest, most abusive company that I have ever come into contact with. I called them regarding a mix up with my auto payment not coming out and they screamed at me, sent several emails back to back, threatened me with legal action ect, sent me emails accusing me of not having car insurance and bouncing payments and all for a payment that was only 18 days behind. Prior to this I had never been behind and I have never been more disrespected when dealing with a company than I have with Prizim financial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian is reporting a fraudulent account on my credit report twice and has refused to remove. Experian in reporting XXXX same account two times from XXXX, account numbers Account number XXXX. Obviously, XXXX does not know it is illegal to report the same XXXX account twice, against FCRA. I have submitted accountable documents to Experian to support that this XXXX same fraudulent account from Navient Account number XXXX is reporting twice and it XXXX XXXX 's account not XXXX XXXX. I have never signed or had any affiliation with this account Account numberXXXX from XXXX. I did not know about the account until discovering on my credit reports. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Experian credit report once again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for the removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX 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 2016-10-11
Company: BB&T CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Account : REGIONAL ACCEPTANCE CORP shows past due 30 days on XXXX, XXXX AND XXXX credit report. Account is closed and paid. As they have accepted last payment and account is in agreement. Never late.

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 2020-01-05
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Enhanced recovery company keeps contacting me about a XXXX debt that has exceeded it's statue of limitations. I last had XXXX cell phone service in XX/XX/2012 yet every year as current as XXXX XXXX enhanced recovery company updated once a brand new statement on my credit. By renewing it on my credit report it falsely makes the debt appears brand new rather than it's true age of almost XXXX years old.

Company response to consumer: Closed with explanation