BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services, LLC failed to send escrow change information and invoices to me that reflected a payment change due to escrow change in XXXX 2016. They failed to call or make any attempt to contact me from XXXX to XXXX 2016. During that time they took the monthly mortgage payments that I was automatically making and misappropriated the funds, putting the money into holding rather than applying it to the proper accounts. When I received a certified foreclosure notice I immediately called them and initiated an investigation into the issue. My bank has provided proof of all payments being made on time and Carrington Mortgage Services, LLC has given no good explanation as to why they did not attempt contact or why they did not apply funds to the account appropriately. After a month of letters and phone calls they now say that they have corrected the issues and removed the late fees, however they refuse to correct credit reporting information. They maintane that I made late payments in XXXX and XXXX 2016. I have provided proof from my bank that all payments were made on time and in the amount that I had been made aware of. As this issue was solely the result of Carrington Mortgage Services, LLC mishandling my escrow account I have closed the escrow account and removed their ability to change any further payment amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: GA
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 am writing to file a complaint on file for the violation of my rights by your company. This is not a new dispute to be placed. You have a grave responsibility to make sure that a formal investigation is conducted and if during the investigation any information not verified must be deleted. Unfortunately, I don't have confidence that you properly verified the alleged bankruptcy list on my consumer file. According to my consumer file and your website, all assumed public record source is the federal court and XXXX XXXX. 

I contacted the Federal Court and received a letter from the clerk that the Federal courts does not report to consumer reporting agencies. I contacted XXXX and received a letter that the alleged bankruptcy was not verified and was removed my XXXX report. Also effective XX/XX/2022 XXXX XXXX verified that all Public record information has been suppressed. So How did you conduct an investigation and verify information that is not listed with your sources? 

I have the right privacy and confidentially, you are in violation of 15 USC 1681i ( XXXX ) -Procedure in case of disputed accuracy section XXXX Treatment of inaccurate or unverifiable information. 

Attached are proof that the alleged bankruptcy is not listed with your public record sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my husband passed in XX/XX/XXXX, XXXX Mortgage sold his mortgage to Carrington two months after he passed. I was paying the mortgage until XX/XX/XXXX when Carrington would not talk to me on the phone, they said I needed to send a Death certificate, Marriage Lic. and a Inheritance letter. I did this XXXX times, by fax and by mail and they keep claiming its unreadable and they never recieved a mail copy. then they sent a rep. out and told me the place was being forclosed that I had to move. Now its been 2 and half years and they are still giving me the run around. I have called numerous times and get very ignorant reps. no one will return my calls. So what is a widow suppose to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: AMERICAN EXPRESS COMPANY
State: AR
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:
For the past months I have been trying to correct and delete inaccurate information from my credit profile. I have reached out to the credit bureaus and creditors but it seems as if they could care less if my problem is solved. I read in the FCRA that anything that is listed on my credit report must be 100 % accurate and verifiable. From my understanding there is no way possible that the information reported can be verifiable if it is not 100 % accurate. There is no way, unless the credit bureaus/creditors are lying to us as consumers and the laws that are set to protect are allowing me to be misused, defamation of character etc which is not fair. I read that incomplete account numbers does not serve as accurate account numbers. How do I know that the account is actually mine when the accounts are completed, who is verifying accounts with incomplete numbers? How do I know that they are verifying the right account attached to my social? I could go on and on with inaccurate info and violations according to FCRA.. Are you going to help uphold the law for consumers like me or are you going to continue to allow me and others to be violated against?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Under Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am request you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX account number : XXXX. This account is being reported illegally. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer )

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 2017-02-16
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX : XXXX Ocwen Loan Servicing , LLC . Regarding loan : XXXX - XXXX, UT XXXX I am a XXXX in XXXX specializing in Short Sales. I have been doing this since XXXX. Never have I seen anything like this. I have had a good offer on this property since XXXX. Ocwen has drug their feet, changed numbers in their system, repeatedly putting me off for months at a time, only to turn around and tell me they now need updated financials from the borrower which is only due to Ocwen holding onto this property. I call Ocwen every few days - all my conversations are documented. Ocwen repeatedly told me that XXXX was the investor on this loan and that XXXX is the holdup. However, I have contacted XXXX and they confirmed that they ARE NOT the investors on this file. Also, Ocwen sent me a letter stating XXXX was the Trustee - XXXX told me that Ocwen has the sole power to make all decisions on this short sale. So, my complaint is that Ocwen has been giving me the run around for almost XXXX years - They have an offer for more than their current value yet they continue making me jump through hoops and stalling on officially responding to this short sale. I do not know what benefits they get for keeping this property on their books. But I have never seen such poor business practices. I have other loans I 'm working with Ocwen and the last one only took XXXX weeks to get an approval letter and the offer was lower than their current value. So, it would appear that Ocwen is intentionally keeping this negative file on their books for their own gain. This property is physically falling down the mountain and now with the heavy snow melting the damage is only getting worse. The home is breaking in half - the roof leaks badly so there 's mold issues ... and they have a full price offer. There 's something wrong or shady going on with this file and Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
the following information is below

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 2022-05-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # xxxxxxxxxxxx XXXX, has violated my rights. 
first savings # xxxxxxxxxxxx XXXX has violated my rights. 
XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-23
Company: SYNCHRONY FINANCIAL
State: AR
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:
For the past months I have been trying to correct and delete inaccurate information from my credit profile. I have reached out to the credit bureaus and creditors but it seems as if they could care less if my problem is solved. I read in the FCRA that anything that is listed on my credit report must be 100 % accurate and verifiable. From my understanding there is no way possible that the information reported can be verifiable if it is not 100 % accurate. There is no way, unless the credit bureaus/creditors are lying to us as consumers and the laws that are set to protect are allowing me to be misused, defamation of character etc which is not fair. I read that incomplete account numbers does not serve as accurate account numbers. How do I know that the account is actually mine when the accounts are completed, who is verifying accounts with incomplete numbers? How do I know that they are verifying the right account attached to my social? I could go on and on with inaccurate info and violations according to FCRA.. Are you going to help uphold the law for consumers like me or are you going to continue to allow me and others to be violated against?

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 2016-01-21
Company: Zarzaur and Schwartz, PC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was sent an agreement to reduce garnishment withholding but the amount I owe was n't on the notice. When I called the rep could n't give me the exact amount of what I owe and break down did n't add up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 paid off my XXXX loan to XXXX XXXX in XX/XX/2021. They recently wrongly reported my account as delinquent, tanking my credit score by more than 100 points, but I have paid my loan to them in full!!!

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
the following information is below

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 2016-07-24
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened an online bank account with Simple within the last XXXX3 months. From the beginning I had multiple issues. Immediately I had trouble accessing money I had deposited into my account. I called customer service multiple times and got different answers. I was able to complete some small transactions. In early XXXX, Simple contacted me stating that they believed someone else had accessed my account. I called simple and they gave me instructions that I needed to verify some information. I logged into Simple as instructed and a pop up window with a customer service rep walked me through what I needed to do. I completed verifying my info for a new account, and even attached my drivers license and proof of residency for upload in the chat box, the rep explained that my money deposited in the old account would be transferred to the new XXXX and would be protected from fraud. and I should receive a new card in XXXX4 business days. I thought they said it would only take a couple of days but when that did n't happen I emailed and received a response saying it would take 7 business days. Seven days later my {$1300.00} ( approximate ) showed as pending. Sigh of relief! It will nice to have access after almost a month. Only to log in the next day with an account balance of {$0.00}. I proceeded to call customer service and explained the situation, the rep responded that it must be fraud and shut down my access to my account. They now refuse to give me any information at all or any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Purchased my mortgage in XXXX XXXX from IndyMac per notice mailed to me in XXXX XXXX upon purchase I was behind a total of {$18000.00}. If you check the attached files that I screen shot from IndyMac/Ocwen you will see that I was Ch XXXX and IndyMac rcvd regular payments on a regular schedule from XXXX XXXX XXXX ( XXXX Payments of XXXX ) of an agreed payment arrangement on a past due balance of {$18000.00} in the amount of {$590.00} in addition to the regular scheduled monthly payments and escrow. In XXXX when the agreement was made they was a SURPLUS amount of {$540.00} escrow and no late fees or interest was allowed to be charged per the agreement. In XXXX XXXX I lost my job and was dismissed from Ch XXXX and could no longer make the {$1600.00} a month payments. I begin to work on a modification with IndyMac and a few months later they sold the loan to Ocwen. IF you subtract XXXX x XXXX {$14000.00} from the total arrears, that only leaves {$3800.00}. If you add payments for XXXX XXXX XXXX ( XXXX ) {$2900.00}. Totaling {$6800.00} That is far cry from {$18000.00}. When I sent the dispute information to Ocwen it was ignored. I have spent the last 3 year fighting for my home and requesting modifications and adjustments to just be shut down and have had game after paperwork game thrown my way. Enough is enough. I just want a credit for the {$11000.00} to the account and modification the additional arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My friend XXXX XXXX sent me XXXX payments for rent on the Venmo platform. The first amount was for XXXX $ and I successfully sent this over to my private bank. The second round for XXXX  $ Was successfully sent to me from XXXX but when I went to send that to my private bank- Venmo declined it, first stating I need to prove my identity. I sent over my drivers license and proof of my bank account belonging to me. After I did this I waited for the ability to send this to my bank again. I then received an email from Venmo stating my account t was permanently frozen. I tried to converse with them via phone and by email on several occasions looking for an explanation or anything so help me understand why I was not able to either refund XXXX XXXX to use a different platform or why my sending proof of myself and bank account as subsequently forced me to XXXX. I then received an email a few days later stating they will no longer be responding To inquiries and that they have the right to hold my funds for 180 days with zero explanation. 


XXXX  $ Of my money is currently frozen in my Venmo account with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
In XX/XX/XXXX I took a title loan for {$2000.00} with Loanmart through a Payday store. I paid $ 220.00+ a month for three years. On XX/XX/XXXX I made my last payment to them. It was hopeless my balance was $ 5000.00+. The vehicle is a XXXX van. The vehicle has not been registered since XXXX no insurance. It has been sitting for six years. I contacted Loanmart two years ago and was told they do n't want the vehicle and if I do n't have any money to pay them there is nothing to discuss! Recently I 've been searching on what I can do, I ca n't leave the vehicle parked any longer. For the last year I 've been receiving email as advertisement from Loanmart in my spam folder which are settlement offers. I received XXXX in my inbox a few weeks ago advertising 30 % off, now I do n't know if that is off the payoff {$5000.00} the principal {$1700.00}, interest bal {$3200.00}. I 'm working through XXXX, but I 'm getting no where. I 've been emailing them for a solution and over and over they would n't tell me unless I called them. Ill not speak to them from prior phone conversations I get to upset. So finally I wrote a letter not so nice and finally got a answer from the supervisor with an offer for {$1200.00} XXXX lump sum. That 's the 30 % off offer. I 'm now a senior citizen on Social security and do n't have {$1200.00} more money to give them for what? The vehicle is broken, no tires, cracked Windows, check engine light on, transmission something is wrong. It has n't been started for 6years. XXXX is {$2000.00} in good condition, so why would I give them {$1200.00}? I do n't understand. They have n't contacted me since my last payment in XXXX, only the spam emails. In XXXX they continue to charge monthly {$200.00} + {$10.00} late fee until XXXX on XXXX they stopped late charges, XXXX, XXXX, XXXX, XXXX, XXXX they charged me anywhere from {$44.00} to {$59.00} a month for five years! I do n't know what that charge is? I do n't know what to do at this point. Ill not give them another XXXX, they wo n't give me the title. I 'm in collections for a write off! The vehicle sits! When I took the loan none of any of this was explained. It seemed like a normal loan, but the balance owing was growing faster then my payments. I have paid them over {$6000.00}. One of the big reasons I quit paying and did n't pay the registration was they told me they were going to repo the vehicle. They never came ... What can I do with the vehicle, I would like to try and fix it because I do n't have a car now. But, if they want to keep the title they need to come get their vehicle. It ca n't sit any longer! I would appreciate any advice you can offer me or help settling this horrible mistake I 've made. I 've documents if you need them. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a XXXX XX/XX/2014. I was sent a copay in the mail that I forgot to pay until XXXX 2014, then I paid it. The bill was {$90.00}. Since then I have had a mark on my credit report for an unpaid bill of {$900.00} to Credit Control Corporation. This has been two years, I paid my bill and have had a lowered credit score and sent out to collection anyway. For two years this has lowered my credit score to XXXX, I need this resolved!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was informed on XX/XX/2017 by XXXX XXXX that I was approved for a loan modification. XXXX said I would received the modification by XX/XX/XXXX or contact him if not received. XXXX explained that they could not fit the 4 percent on the modification and I will have 4 months of a trial payments. If I did not want to receive this offer XXXX stated unless you have {$8000.00}. XXXX explained after the 4 month trial payment the mortgage can increase due to taxes. XXXX instructed me to do XXXX and all instructions will be included in the modification package once received. Question was will this Loan modification will be a permanent modification.

Company response to consumer: Closed with explanation