BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently received a loan modification via email on XX/XX/XXXX requiring the signature of myself & co-borrower. The due date of the XXXX payment under this modification is XX/XX/XXXX. I have made several calls & sent multiple emails since XX/XX/XXXX informing Carrington Mortgage that the co-borrower has not resided at the residence since XX/XX/XXXX. 

My initial loan was through XXXX XXXX then abruptly transferred to XXXX XXXX XXXX now Carrington Mortgage as of XX/XX/XXXX. I have been on a XXXX XXXX with Carrington since XX/XX/XXXX. 

Now that the forebearance has ended, Carrington is doing as they please to make me default in my payments again that will subsequently result in the loss of my residence which I can not sign the loan modification on my own. The co-borrower will not sign due to not occupying the residence. 

I feel that Carrington is taking advantage of my XXXX XXXX & low credit score. Carrington has never offered a refinance to remove the co-borrower. Without the co-borrower 's signature, I am unable to move forward with the terms offered in the loan modification. Furthermore, Carrington 's website falsely advertises offering refinancing for new/existing customers for poor XXXX range credit scores. 

I'm in a life altering situation where I can not easily obtain a refinance offer from a different lender. The lender had also refused to voluntarily remove the co-borrower on their end. The only option that I was given to " make financial decisions '' without the co-borrower requires a quitclaim deed that I can not afford. It was explained to me that the quitclaim would serve as proof that the co-borrower has no interest in the property but would still not remove them from the loan. 

I have equity in my home so this seems to be a ploy to force me into foreclosure, short sale and/or for Carrington to ultimately benefit & collect the equity currently on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After reading the FTC website and filing an identity theft affidavit I then mailed my dispute to XXXX and Transunion notifying them that accounts were open in my name without my permission. 

I disputed the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint is against new account Synchrony Bank. Customer Service Number XXXX. This account was opened about one month ago. Through my XXXX XXXX XXXX XXXX. All that was charged was an oil change that should have been XXXX for services rendered. I never received a statement from this bank regarding my account. ON the XXXX of XXXX. I contacted their customer service after speaking with my XXXX XXXX XXXX on the XXXX. When I called XXXX I was told I owed the XXXX again, I was a first time customer. I waited on the phone for a CS agent to discuss this matter for over an hour. I then called the Customer Service Number on the card which was XXXX and was told my balance was XXXX. Boy are these people rip offs and crooks. To put myself on the offensive I paid it with my debit card with their automated system and now they're on the defensive. I want back the difference and since this is the treatment first time callers get I am cancelling the card and the account. I will never do business with this rip off company again. I went on line tonight and found they had 80 complaints with one complaint board and over 1 thousand with the XXXX XXXX XXXX. They need to send proper statements out of customers and quit lying about what they owe. If this is the way they treat a new person like me I'd hate to see what they do to past customers. A lot of them weren't happy about it from what I read I can tell you. I want an explanation of their actions and confirmation that this account is paid in full and " cancelled. '' Thanks CFPB for your help once again, Sincerely, XXXX XXXX ( former Synchrony Bank Customer .

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 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have received a debit card from Truist bank that does not work. When I called, the wait was over XXXX minutes. I left a message on social media ( DM ) that my debit card does not work. I was told someone would reach out to me and they never did. I am also concerned about my direct deposit since customers have reported that their direct deposits have been late. They are being totally unprofessional and unwilling to reach out.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, I believe, that somebody used my personal information and applied for it.

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 2016-04-11
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company reported this account on my credit report on XXXX/XXXX/2016 and then again on XXXX/XXXX/2016 so now they are reporting the account twice? I never received anything from this company about this supposed account and was not given the opportunity to dispute this debt. They are not complying with the FDCPA and now they are reporting incorrect 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
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 keep on sending request that this account has in fact late in making my payment last XX/XX/2020, because I never remember I paid late. I tried to contact the bureaus and the company so many times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account number XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This medical account is paid off since XX/XX/2017. My medical information was shared without my consent to the collection company. More than just my name, address, and amount owed. Procedures were also sold to this collection company. This goes against HIPPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was behind on my car note that resulted in a repossession. The car was in their custody for a total of XXXX days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover XXXX months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.

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 2022-02-25
Company: Experian Information Solutions Inc.
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 been in reciept and using my XXXX XXXX credit card for a number of years always paid off balance in time, never had any issues until this week when I was informed my credit limit was to be reduced from XXXX to XXXX, I contacted XXXX card and I was informed by a rep to go online and check my credit rating, on doing this I came across a section saying that I have been bankrupt or ccj on my records none of which are true, I have never been bankrupt or held any cc judgements against me, I have had credit card for quite a few years now and cant understand why and how this has come to be on my record, this is the first time I have been on to check my credit score, I would like to know how they got this false information without checking or contacting me,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans Union has re-inserted information in my credit report that is not valid or false in regards to a car loan with XXXX and XXXX. They have incorrectly reported that I have missed several payments with XXXX and they continue to report information in regards to XXXX that 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 2022-10-03
Company: TD BANK US HOLDING COMPANY
State: MA
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:
I wanted to have late payment forgiven for XXXX  made in XXXX XXXX days. I was late due my job cutting my hours in XX/XX/XXXX and XX/XX/XXXX and then laying me off due to covid 19. In XX/XX/XXXX. I requested forgiveness for late payments made to td bank In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
I was laid off in XX/XX/XXXX. I contacted both companies and did not forgive after phone calls and sending good will letters. XXXX card would not remove payment made late in XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. My hours were cut in XX/XX/XXXX and I was laid off in XX/XX/XXXX. They closed my account knew I was in Hardship and refused to help at that time. I had since then made payments on time for all three credit cards. I contacted company and refused to give me forgiveness even after closing my account and good will letter. XXXX XXXX I contacted company with goodwill letter and refused to forgive. XX/XX/XXXX late payment I was laid off. XX/XX/XXXX XX/XX/XXXX my job cut my hours. In addition household closed my account. I was late in XX/XX/XXXX but my boss cut my hours. They also closed my account and refused to forgive after phone call and good will letter. XXXX  late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they refused to forgive my late payment Even after I sent the goodwill letter and called them. Also I my job cut my hours in XXXX XXXX and XX/XX/XXXX was laid off in XX/XX/XXXX. This why I was late I have made my payments on time since then to all companies listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Allied International Credit Corp., (US)
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am a co-signer on a loan with XXXX which is serviced by XXXX XXXX. I was contacted by Allied international credit as the primary borrower is 140 days past due with payments. I requested an accounting in writing from Allied International Credit and was informed that they do not provide statements of debt. I called XXXX XXXX to confirm the financial information regarding the amount past due that I was given by Allied International Credit. They told me the past due dollar amount. I requested a statement of the debt owing from XXXX XXXX and they told me that they could not provide this as I am not the primary borrower. In addition, the account number that Allied International Credit and XXXX XXXX gave me are not the same -- it appears that the numbers are transposed, so I have no way to verify how the payment I made will be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: TX
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:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). I demand that you block these alleged accounts Pursuant to 15 USC 1681c-2. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of 15 USC 1681a ( d ) ( 1 ) which states a consumer report means any written, oral or other communications. 15 USC 1681a ( d ) ( 2 ) ( B ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to 15 USC 1681e ( b ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to 15 USC 1681i ( a ) ( 5 ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) no more than {$1000.00} fir each violation you have violated. Also 15 USC 1681o for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage originated with XXXX Mortgage and was transferred to servicing by Bayview Mortgage a couple of years ago. At that time, within a couple of months, my XXXX ARM ( with XXXX remaining years on it ) was modified to interest only payments based on 40 year payout without my permission or consent. When the 10 years was up and my mortgage was set to adjust ( downward due to lower interest rates ) I sent Bayview a qualified Respa complaint insisting that they adhere to the terms of my loan and give me notice 60 days before adjustment to XXXX XXXX XXXX 1 year rate + 2.25 % margin rounded to nearest 0.125 %. The interest was I was informed changed from 6.625 % to 4.625 % based on 20 years remaining ( not XXXX or XXXX ) because it " could n't change more than 2 % on any single adjustment ''. I had made payments of principal in advance and for a month they moved my money around in and out of different categories from escrow, to interest, to payments and it took them over a month and several phone calls for them to finally get it right. Then, all of a sudden my interest rate went down to 3.375 % with no explanation. I paid XXXX, XXXX and XXXX payments. I went to pay my XXXX payment ( in advance as I do when able ) and all of a sudden my interest rate is 3.875 %. It seems Bayview changes the terms of my mortgage and interest rates willy-nilly with no consent, notification or explanation. I am worried the next adjustment ( s ) will be detrimental, as they do not follow what is written in my " note ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Following a 2 year long battle with Citimortgage where they attempted to foreclose on me 3 times and actually refused payments to ensure that would occur -- I finally found a workable solution with the assistance of Legal Aid in Oklahoma. One of the main issues was to ensure the new note and subsequent payment would be feasible given our income. We are both XXXX in the XXXX state ( OK ) for XXXX nationally so our income is low but stable. The final loan included years of ( and XXXX of dollars in ) illegitimate delinquency and foreclosure fees and basically resulted in us being underwater with no chance of ever catching up. The payment was set at $ XXXX which we have paid in full for the past 12 months on time. I received a letter today stating the escrow account was deficient and our new house payment would jump over 40 % to {$1000.00}! I was NEVER given any warning or notice from Citimortgage that after just one year of on time payments with the new XXXX loan for a house I bought for XXXX in 2002 -- My payment would skyrocket to a level we can not afford. In fact one of the main reason for delaying the workout process was ensuring we could afford the payments and now, a year later, we have been asked to pay over {$300.00} more every month for a home we have long outgrown. We are trying desperately to fix our credit and pay off debts to make a better life XXXX XXXX kids and between the {$120.00} XXXX in student loans I have and this new mortgage surprise- I fear this home and more specifically- Citimortgage -- may have cost me my chance at the American Dream- I feel hopeless- we fought so hard and for so long to not be foreclosed on and now to be forced into such a price increase with no warning at all increases greatly the odds of us falling back into default. Can someone please help us fight the XXXX that is our mortgage company -- I ca n't do it alone anymore.

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