BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XXXX XXXX I have attempted to do a modification with the mortgage company, Carrington Mortgage. We have submitted documents numerous times and have received numerous letters stating that they had not received documents when we could prove via emails that the documents were sent. In this process my home has been in foreclosure and I hired counsel to help with that situation and the bank continued to move forward with the foreclosure and ignore the request for modification. Finally my attorney advised the Court that the bank was attempting to foreclose on the home at the same time the homeowner was requesting a modification. That the bank continued to ignore the modification. Finally after contacting the Florida Attorney General Office and working with them Carrington forwarded me a modification. 
At the time of the default I became XXXX overnight by a sever XXXX called XXXX and within the next year or so may be placed on a XXXX list. It has placed me on XXXX and has taken my income from over {$50000.00} a year to now only {$17000.00}. I have been an XXXX for almost my whole life. 
When I applied for the modification I explained to the bank that I was not able to pay the {$1400.00} payment per month and request a payment reduction. When I received the modification offer they sent me a payment of {$1400.00} per month. I was under the impression the modification was supposed to help homeowners not insult them. 
Second once I began to review the Carrington monthly statements I noticed that the statement had almost {$10000.00} of fees that were being added for " mold treatment '' and field XXXX fees '' and numerous other things. My home is made of Cedar and would not require any mold treatment and no one has ever been to my home on XXXX XXXX, XXXX to treat my home for mold at the cost of {$5600.00}. 
I am currently considering bankruptcy due to this modification but a friend suggested that I contact your office. Carrington has spent months coming up with every excuse to not provide me with a modification, and then offer me a modification payment of more than the original mortgage and more than the 31 % of my income. My wife works but we do not bring in the amount of income we did when the home mortgaged. I have lived in this home since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can 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 2022-11-09
Company: EQUIFAX, INC.
State: NC
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 disputed this and complained for months! These XXXX have messed up my credit report and they still have not fixed the issue and Demand an investigation! 

I deserve to be compensated per statute. 

I can not he My credit score and have been ignored for months! Please apply statutory fines for equifax violating ny rights to access to my credit score! 

And Equifax is retaliating against me for disputes and is degrading my credit report please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Affirm Holdings, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I contacted XXXX  XXXX for job search services. However, I was compelled to sign a contract halfway without an adequate explanation of their services in English, which is not my native language. The contract was for {$5900.00}. 
Subsequently, the welcome letter, when I finally saw it, was illusory, and contained a NON-DISPARAGEMENT clause. I have canceled and not used their useless service at all. While I was negotiating with XXXX XXXX and Affirm, I was eventually able to secure a 50 % refund on XX/XX/XXXX, but I still owe the remaining 50 % to a fraudulent entity from whom I did not receive any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I have fraudulent inquiries from XXXX XXXX and XXXX  credit card

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 2016-12-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got a notice from my current mortgage servicer, XXXX XXXX XXXX, that they sold off my mortgage to a new servicer called Carrington Mortgage Services. I know that by law the new servicer is supposed to notify me in writing 15 days before the transfer and it is now 5 days after the transfer and I still have n't received any communication from them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to report Carrington Mortgage for multiple reasons. The first for harassing me with numerous phone calls each month about my mortgage payment. I typically start getting phone calls around the XXXX of each month when my payment is not late until the XXXX of each month. I am an XXXX wife who currently does not live in my home since my husband services his country. I rent my home and must wait for rent proceeds to make the payment. I have always paid my bills in a timely manner. This is depicted in my credit score of XXXX. I also get verbally abused by customer service when I ask why I 'm receiving phone calls. They said your payment is due on the XXXX and we call until you pay the bill even though it 's not considered late until the XXXX of each month. The next issue is I 'm trying to set-up my account to make online payments since they are charging me {$5.00} each time I make a payment via phone. They would not allow my husband to use his bank account even though his name is on the loan. I had to transfer the rent proceeds to my account and now I ca n't gain access to make a payment online for some reason. They are taking advantage of customers by not easily allowing them to gain access to their online payment system, so they are forced to make payments where they enjoy a {$5.00} speed pay fee each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NC
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:
Equifax is sabotaging my credit file for disputing as you will seek in the attachments. 

Equifax is stating that none of my accounts have a delinquency or derogatory status in green, on the same page in red they claim i have too many delinquent or derogatory accounts! 

Contradictory reporting! Fix my status and give me back my excellent credit score! 

I have over XXXX Accounts with 100 % payment history!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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 sent a letters to the XXXX XXXX last XX/XX/2022 to delete the inaccurate and unverified account on my credit report until now they are not deleting the accounts that i listed on my letters it has been more than 30 days and it's a violation..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2013 a district court Judge ruled in my favor, XXXX XXXX XXXX XXXX, for my house to be given back to me because Wells Fargo trustee for XXXX mortgage services had no legal standing in illegally for losing on my home, n also, I never signed for my home to be refinanced. I was a victim of identity theft, the documents were all proven to be forged. And neither XXXX mortgage attorney in fact for XXXX XXXX XXXX. Had no legal standing. I deeded my home to a family member. I just recently learned per my family member, the home I gave to her in which the deed was registered n certified with the deeds office, was stolen from her without her knowledge without knoticefication. I learned that Wells Fargo trustee for XXXX mortgage servicing, deceitfully and illegally stole the property and sold it to an unauthorized trespasser through a realtor using a very crooked forecloure attorney firm in MI. They never returned my escrows, or monies they illegally took from payments on this fraudulent mortgage. I am bringing this matter to your attention as I am requesting actions be taken immediately monies returned property returned along with punitive damage as soon as possible. All of this was done without knowledge without notifying by use of fake, forged, n fraudulent documents to the court. This can not go on. The person that living in the home is illegally trespassing, and Wells Fargo, XXXX mortgage illegally trespassed into a property that was not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Unauthorized cash withdrawal was taken from my credit card account. I reported the fraudulent activity to the credit card issuer and the charge is still showing on my account. The bank is Braclaycard and the case number is 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 monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2021-06-17
Company: EQUIFAX, INC.
State: TN
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:
Subsequent to the Equifax breach in 2017, I asked all the agencies to freeze my credit file. 

Recently, in order to obtain credit for a home refinance, I asked all the agencies to unfreeze my file. All but Equifax have complied with my request. 

When Equifax implemented the freeze in 2017, they sent a letter stating what would be required to unfreeze my file when that time came. I complied with their letter in every respect when requesting that my credit file be unfrozen. Equifax has come back to me several times to request additional information. 

Again, I have complied in every respect with the requirements specified by Equifax when my credit file was frozen. I have even provided some additional information to confirm my identity. 

Recently I received another letter asking for the same information I have already provided ( my driver 's license ). 

I certainly appreciate the importance of confirming the identity of a requestor in a situation such as this, however, I have complied with their requirements, I have provided other information that will further confirm my identity and I have corresponded with the company several times about this matter - all to no avail ... and I still am unable to access credit to refinance my hoime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXXt XXXX Has Violated the FCRA sec 623 ( a ) ( 1 ) ( b ) the law clearly states and I quote Sec 623 ( a ) ( 1 ) ( B ) If a consumer notifies a furnisher that the consumer disputes the completeness or Accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing NOTICE OF DISPUTE The credit reporting agency violated my rights under 15 USC Code 1681i ( a ) ( 1 ) ( A ) I disputed this Twice for failure to put by law the the required Comments NOTICE OF DISPUTE on this account. they gave me, this information is accurate which in fact is inaccurate. I gave them two opportunities to Delete this account for being Inaccurate. to this day it has been ignored or disregarded I demand immediate removal of this account. 

Attached consumer reports screen shots to prove the failure of NOTICE OF DISPUTE is not on any consumer reports since disputing started on this account.. 
LISTED BELOW ARE THE DATES the CRA COMPLETED their so called investigation in case they pull a fast one and say I never Disputed the account Complaint ID XXXX against XXXX completion XXXX XX/XX/2022 Complaint ID XXXX against XXXX Completion date XX/XX/2022 Compliant ID XXXX against Experian Completion date 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 2022-11-09
Company: EQUIFAX, INC.
State: FL
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:
XXXX  Account XXXX Has Violated the FCRA sec 623 ( a ) ( 1 ) ( b ) the law clearly states and I quote Sec 623 ( a ) ( 1 ) ( B ) If a consumer notifies a furnisher that the consumer disputes the completeness or Accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing NOTICE OF DISPUTE The credit reporting agency violated my rights under 15 USC Code 1681i ( a ) ( 1 ) ( A ) I disputed this Twice for failure to put by law the the required Comments NOTICE OF DISPUTE on this account. they gave me, this information is accurate which in fact is inaccurate. I gave them two opportunities to Delete this account for being Inaccurate. to this day it has been ignored or disregarded I demand immediate removal of this account. 

Attached consumer reports screen shots to prove the failure of NOTICE OF DISPUTE is not on any consumer reports since disputing started on this account.. 
LISTED BELOW ARE THE DATES the CRA COMPLETED their so called investigation in case they pull a fast one and say I never Disputed the account Complaint ID XXXX against XXXX XXXX  XXXX XX/XX/2022 Complaint ID XXXX against Equifax Completion date XX/XX/2022 XXXX ID XXXX against XXXX XXXX  date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The apartments XXXX is not a debt I owe. I payed all my rent on time every month and gave a 30 day notice before I moved. The manager of this apartment complex false fully put me into collections and never sent a proper notice to me of any debt or took me to court or even attempted too. She fraudulently abused her power of management to ding my credit with a false debt because her daughter and I had a falling out. I was a personal friend of XXXX the manager of the apartments and the daughter. So she had all ways of getting a hold of me with any debt she was putting onto my credit and did n't. I have proof of a proper notice as well as proof of the check that was written for rent. I did n't find out this was on my credit till 2014. I has already been removed from 2 other credit agencies as a debt that I do n't owe and that is n't mine do to her fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In accordance with the FCRA, Westlake Financial account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 Sec. 602A. states that I have a right to privacy ; 604.A.sec.2 also states that a consumer reporting agency can not furnish information on an account without my written instructions ; 15 USC 1681 5-2 ( 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 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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2021, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2015-08-14
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
they Experian, XXXX and XXXX refuse to send me my score and credit report they want to charge me a fee monthly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: RockLoans Holdings LLC
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:
I XXXX XXXX, the consumer sent an Affidavit of Truth to Rocket loans on XX/XX/2021, to validate an alleged debt obligation. I have no knowledge of it and never received notice. Rocket loan never acknowledged nor responded to me. I need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g REMOVE AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: iQuantified Management Services, LLC
State: KY
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:
in XXXX and XXXX i was contacted by iqmsllc.com. i called and requested a written copy of the debt in XXXX and XXXX ; i received none. 

on XX/XX/XXXX, i went online to get a copy. i found a notice which had no creditor name and no dates. it did identify {$90.00}. 

i believe the failure to identify a creditor is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2021 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/2021 I asked the company XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of {$840.00} dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating I attended this school. XXXX XXXX is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this collection account off my credit report.

Company response to consumer: Closed with explanation