BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: NY
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 recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

I have also reached out to all companies listed for validation of account and have yet to receive any response and it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told by representatives of Carrington Mortgage Company not to pay my monthly payments while the modification was pending. This process took over a year before I was informed a modification was not possible and I would need to pay the full amount due. During this time I applied for and was approved for a program through the LACOVID Housing, Louisiana Homeowner Assistance Fund. This program agreed to pay my back mortgage to make my account current, up to {$25000.00}. 

Carrington Mortgage intentionally submitted an incorrect XXXX Report, which misrepresented the amount I actually owed. I made a payment to bring my account in line with the requirements through LACOVID Housing guidelines. 

For over a month Carrington Mortgage company has refused to provide the XXXX Record indicating the amount I currently owe to LACOVID Hosuing and instead sent me a letter, Intent to Foreclose.

My account could be current Carrington Mortgage would simply submit the report. During all of my many phone calls, representatives indicate they are unaware of the program or the need for the XXXX record. 

I believe that Carrington is intentionally not submitting the XXXX  record in an effort to ensure that my account balance is above the limit for payment by the LACOVID Housing program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Avant Credit Corporation
State: MO
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
In XXXX XXXX I had taken out a payday loan with a Avant credit. At the time I was in severe financial distress. I could not keep up my payments with the contract that I had agreed to with that company, So I went through XXXX program, who negotiated on my behalf with Avant. They sent a contract, had me sign it to set up payment arrangements through the debt management company. I was on a different payment plan and they agreed to settle for less than what I owed. I followed all the way through with the whole plan, paid all the money that they agreed that I should pay ; all of the lesser amount, every payment on time. It is now XXXX XXXX, I happen to pull my credit report, and noticed that Avant credit was on my credit report as over a year late with my payments. I tried to contact them and was told to contact the compliance Dept. I sent them all the documents I had, I even sent them copies of the canceled check that they had cash through my account. Now, they are trying to say that they have no documentation of this contract, their contract that they made up and agreed to, payment plan, they did not receive any payments, and I 'm still late. Someone cashed my checks at that company. I can not get a answer from a live body about this situation. I can only email them or I can call customer service who hasnt been able to resolve this issue at all. I want people to know that Avant credit steals your money. Someone at the company has taken {$1300.00} from me, and nobody is acknowledging that they even know where this money went nor are they acknowledging the contract, that 's after I sent them the contract and the copies of the cancelled checks. How do I resolve this issue. All of my payments went through global client services and were cashed. As I have said, when I call the XXXX # to Avant, I can only get customer service. There is, supposedly, no number for the compliance department ... .they can only be communicated with through email!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hi im a consumer at current bank an online banking app the night of XX/XX/2020 i have transfer XXXX to my sister XXXX XXXX  account because our dad just recently passed away XXXX XXXX  took my money out my account and XXXX XXXX cancelled my transfer but they said their were going to send back a refund to my bank so now XXXX XXXX sent out a refund to my bank but my bank is taking me through changes also because they said XXXX XXXX process a cancelled transfer and now it's going to take my bank 2 weeks for my money to be available i have business to handle with that money and these people don't care im going through a lot since my dad just passed away i really need you guys help because this bank keeps giving me the run around

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have previously raised concerns regarding XXXX and believe they are now discriminating against me with how they reported my Credit Scores based on erroneous information being reported by XXXX Bank which was paid off in XX/XX/2022 and has since been reported to TransUnion XXXX XXXX. However, XXXX has refused to update my Credit Report to reflect the appropriate Paid Off Status within " PAYMENT STATUS '' section of my Credit Report. XXXX was Paid and Settled and should be reflected accordingly, so my scores can be properly adjusted. 

Also, XXXX was paid and Settled and is not reflecting that it has been Paid and Settled in the " PAYMENT STATUS '' section of my XXXX Credit Report. 

Also, my XXXX XXXX account is also showing the wrong " PAYMENT STATUS '' with XXXX, XXXX, & Transunion as this account was also PAID & Settled and should be reflected in the Algorithm which will update my scores and not only in a comments section of your report. 

Also, when I attempt to file a Credit Dispute with XXXX it is blocking me and not allowing me to file any type of Dispute or upload supporting documentation to validate my claim of erroneous, fraudulent, and discriminatory Reporting Practices. 

I am uploading my additional information from my XXXX Report dated XX/XX/2022 which reflects where XXXX and Transunion was updated for XXXX and XXXX accounts, as these accounts were Paid and Settled.

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 2021-01-28
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing PayPal services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Ad Astra Recovery Services Inc
State: TN
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/2020 XXXX XXXX received a dispute from me regarding an alleged debt that I owe. They bought a debt from XXXX XXXX who claims that I owe {$1500.00}. I've never had an account with XXXX XXXX, therefore I don't owe anything to that company. I asked XXXX XXXX to provide documentation that proves this debt is mine. They could not. They sent me 7 pages of documents in which NONE bared my signature. There were pages that had my name typed in but nothing that shows where I signed. That is because I never signed anything and this claim of debt is completely erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I called on XXXX/XXXX/15 to pay off a loan I received on line on XXXX/XXXX/15. I wanted to pay off the loan using an increase I received on the credit limit of a credit card. I was told the company does n't accept credit card payments above the amount of the monthly payment. When I asked where it states that in the contract, I was told it does n't. That 's just company policy. Had I been told this, I would have forgone the loan. I believe this is Inadequate loan disclosure. It 's unfair business practice to change a contract that is in writing, without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a service member in the United States  XXXX  when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days.  <P/> T ermination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 )   Military persons who live in rental property are allowed to terminate leases entered into prior to a period of   XXXX   XXXX  . It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm u se, or other similar purpose, where the person leasing the property later enters  XXXX   XXXX  in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a   permanent change of duty station ( PCS ) or to  XXXX  with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent.
<P/>  In     XXXX   2013, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises.
<P/>
To this date, there is a collections account on my credit report for {$3800.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere!
I have attempted numerous times for the past 3.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service   members!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: LoanCare, LLC
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We mailed check numbers XXXX for {$250.00} and XXXX for {$1000.00} to our loan company and they received them on XX/XX/2019. Check XXXX was for escrow shortage and XXXX was for the XX/XX/2019 payment. They both cleared our bank account on XX/XX/2019. Then on XX/XX/2019, we received a notice in the mail that we still owed the XXXX payment. We contacted the company and they claimed to have no record of our payment. We have a copy of the check that the mortgage company deposited. The customer service person put us in touch with a supervisor who claimed that the payment was credited to another person 's mortgage but they were not sure whose. Since then, we have not heard a word from the mortgage company about where our payment went and they have not credited our account nor refunded us the money.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022 I called the bankruptcy court in Maryland. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times.

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( 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 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 2020-01-14
Company: MS SERVICES LLC
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:
MS SERVICES LLC, acct.no.XXXX, A collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner according to the banks disclosure booklet, resulting in more than 10 @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business cutoff, and taking their time to credit the deposit which paid overnight, the unscrupulous bank self-generated about {$350.00} dollars in fees.FEDERAL RESERVE GUIDELINES FOR HOLDS WERE NOT FOLLOWED SO THAT THE BANK WHICH RECEIVED A DEPOSIT THAT PAID IMMEDIATELY COULD SELF-GENERATE XXXX DOLLARS IN FEES.THE ERROR PRONE, UNSCRUPULOUS BANK HAS NOW TURNED THEIR ILLICIT GAME OVER to the collector, MS SERVICES LLC who credit damages me in their extortion attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with Fifth Third Bank for over 1 year now and still they are not processing my paperwork correctly. I have had to contact the President of the bank on several occasions and until I have done that I have not been able to get any response. I started trying to get a modification to my mortgage in XXXX of 2014 and used an agency by the name of XXXX XXXX XXXX in XXXX, PA and Fifth Third Bank did not respond to them. However I was told by the bank representative that they do n't work with third party agencies. During the last modification process which was in XXXX I was told by the representative of the bank that I needed to forward all income and that was done, however all of my income was not used and therefore they denied my modification for several reasons. The first reason is that they said my illness was not a legitimate illness for me to have lost my job and secondly that my income did not fit the proper amount, third that my credit report from the credit agencies was not favorable in order for them to do this. I forwarded another letter to the bank 's representatives and explained the situation and was contact by XXXX XXXX XXXX who advised me to forward the remaining documents for financials and that was done in XXXX. At that time I was told by her that I would have to continue the process all over again even though it was handled poorly and improperly by the bank. I told her that I should have to do this, but am forced to do this anyway if I want the modification to go through. I have not contact the XXXX in XXXX in order to get additional help in trying to resolve this situation. Fifth Third Bank has tried to foreclose on my home twice this year. One resulted in them having to recend the judgement because it was noted that they filed prematurely. Second is now when they are trying to start the foreclosure process again using some incorrect and outdated information forwarded to this week. I have forwarded the information down to the XXXX so that we will be able to work together to straighten out this information. In the copies of the documents that the bank forwarded to me this week, they state incorrect information and therefore they are seeking a judgement on the pretence of the wrong information. I have been struggling with Fifth Third Bank for far too long with respect to this issue. It takes the 6 months or so to respond to people who want to obtain modifications and I have documents to substantiate this claim and by the time the respond, you are in the foreclosure process which they seek late fees and damages which they would otherwise not get if they would do things properly. I have hundreds of documents that ca n't be attached to this online complaint and, this is not the entire problem but it is enough to help us get started. Please have someone contact me soon as I do not have much time. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our XXXX home on XX/XX/2016 our lender was Vanderbilt Mortgage. Today is XX/XX/2016 and they just notified me today that we need to send a letter to the XXXX XXXX homeowners insurance to cancel the insurance because it renewed during the payoff. So they will not release the title until that is done. Ok fine but it has already been past the 10 days that the law states they have to release the XXXX once they received their money ( XXXX ). We have people waiting for their title. The check to XXXX cleared the title companies bank on XX/XX/2016. We never even wanted this home owners insurance company but we were told we had to go with this XXXX, the same with the Lender we were told Vanderbilt mortgage was the only mortgage company that approved us. Well now I realize why, XXXX owns all of the companies they are all part of XXXX. This was a XXXX guess who owns XXXX XXXX Seems quite illegal to me. This company has seemed shady from day XXXX but when you need a house in XX/XX/XXXX you tend to overlook things until it is too late. there were many things not done right during this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Avantus, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had my credit report run today, trying to refinance my home mortgage that has been going up due to an adjustable rate. I have no late payments on my credit report at all except for a car loan which I made my last payment on and have never been late. In XXXX I went to see my mother in XXXX XXXX as an emergency and forgot to pay but never got a notification from the car company XXXX XXXX XXXX and I 've been pre-paying and paying extra for years. My credit report shows that I am late in the month of XXXX and we are not through the month of XXXX, I paid the entire bill off over the phone today, XX/XX/XXXX. They can not mark me for the month of XX/XX/XXXXif I was not late the entire month of XXXX and they should not mark me late at all after breaking Facra. Please have them clear my credit report of any lates, the entire loan is paid off. Please have them delete any lates and show a XXXX balance. I spoke with XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is using a local area code to trick people into believing it is a local call. After XXXX such occasion after I missed a call by them, I called the number back to find out who it was, and it was a doctor in XXXX, Ohio. They are using spoofing practices to avoid blocked numbers and continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation