BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: IL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2021-04-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on XX/XX/21 and they confirm that they have received payment on that date but claim that it is on hold for security reasons and that hold will be released after 21 days from payment.

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 2015-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Carrington MS LLC by XXXX. Issues from day 1, including no notice from them that they 'd purchased my loan. They made making payments difficult and basically forced me into missing a payment, the 1st and only payment that was ever missed in 7 years. Last year they sent me a letter falsely attempting to say I was required to get PMI. When I called they said it was a standard letter sent to all customers ; the letter said it was required due to loan type, it was not an informational letter. It took me 2 separate calls to get someone to send me a letter stating that I, in fact, did not need PMI. My concern now is that they are withholding my money. My home was sold in XX/XX/XXXX and the mortgage therefore paid off. I had to make somewhere between 5-10 calls over the course of 2 months to them in order to get a refund of my escrow, each time getting a different excuse as to why I had n't received the check and that they could n't tell me what the escrow amount was. When the check finally came, it included no information related to how the escrow amount was reached. I was told last month that the refund for my final mortgage payment ( XX/XX/XXXX ) was mailed to me on XXXX XXXX. I was told I 'd get a separate check for mortgage payment refund by XXXX separate agents, but told they could n't provide the exact number. I called today and was told that the check I received for the escrow refund included the final mortgage payment as well. The agent told me the amount of the check I received for the escrow refund. I asked for a breakdown of the escrow check, he said he would mail it. I asked that he tell me, to which he said he could n't discuss numbers over the phone. Even though he 'd just given me a number. In any case, the escrow refund is only for the amount I had in escrow, it does not include any additional monies as he tried to state. I asked my I was told by XXXX other agents on 2 other calls that I would be getting a refund for the final mortgage payment. He said they were incorrect. He all but refused to transfer me to a supervisor, then finally sent me to a general voicemail. It has been over 3 months since they were paid off for the loan. They are withholding monies that do not belong to them. I can not see where I have any recourse and do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a property and wanted to payoff the Judgment Carrington has on the property. They refuse to provide a Judgment Payoff. They will foreclosure on my property if we can not payoff the judgment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage through SunTrust Bank. Due to Covid-19 I am currently laid off. On XX/XX/2020 I have contacted my mortgage company about deferring payments for 90  days, they told me to contact a specific number XXXX XXXX XXXX. On XX/XX/2020 I called and I was transferred from XXXX XXXX XXXX to the Covid-19 assistance number. I was on hold for 1hr 30min 46sec and then the call was disconnected. I called the XXXX XXXX XXXX number on XX/XX/2020, I was on hold for 1hr 46min 34 sec  and then the call was disconnected. I called XXXX XXXX XXXX on XX/XX/2020, I was on hold for 2hrs 19min 26sec and then the call was disconnected. I have also tried to message the company through their messenger system on XX/XX/2020. I was told I would get a response in 1-2 business days, on XX/XX/2020 the chat was closed by the company with no response to my inquiry other than to call the XXXX XXXX XXXX number which I have been calling since XX/XX/2020. I called XXXX XXXX XXXX again on XX/XX/2020 and I am still on hold with them with no response.

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 2017-04-01
Company: Southern Management Systems Inc.
State: FL
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:
I rented an apartment located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX AKA XXXX. I moved out when my lease was up and checked with the front office in charge of managing the building to see if any payment was owed. I was told I did not owe anything. Less than 1 month later, I receive a letter from a collection company, stating I have a debt owed to XXXX XXXX XXXX. Despite my due diligence, I never received any notice of debt or an invoice before account was sent to collections. No prior attempt was made to make me aware of debt in question, let alone collect said debt. Debt was also posted to my credit report before any contact was attempted with 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 2017-05-23
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ASSETCARE does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y ) they nee d to retract this from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: R.M. Galicia, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Unknown and appears to be outdated, disputed with no outcome. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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 # XXXX from XXXX XXXX XXXX ; XXXX account number XXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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 # XXXX from XXXX XXXX XXXX ; XXXX account number XXXX ; XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX  XXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX 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

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 2017-03-13
Company: Comerica
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My social security check is now sent to Direct Express they use a bank called-Comerica Bank, On XXXX/XXXX/17 my card was cloned according to the bank in Florida the amount of XXXX dollars was taken from a bank in Florida.DirectBank told me that they would do an investigation and found that the card was cloned and used in Florida. They did that and found that it was cloned, they told me they would credit my money back to my account.as of this day over thirty days later no money was credited to my account, I tried several times calling and was told several time it should have been there they would put a tracker on it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
My problem is in two parts, both relating to how the credit card company has changed the application payments to my balance and interest charges. First, I recently made a payment in excess of the minimum. According to the Credit Card Act of XX/XX/XXXX this should have been applied first to the highest APR balance and then to the next highest APR until the extra money was gone, instead this extra money was divided between the different APR balances. This meant that money was left on the highest APR balance, even though the starting balance at this APR was {$0.00} and I made an extra payment of {$20.00}. When I requested an explanation of why the CARD Act was not applied they simple gave me a list of all the interest charges on my account and no reason for how they choose to apply this extra money above the minimum payment. 

My second problem is in part a question and in part a complaint. Beginning with my XXXX XXXX statement I noticed that the credit card company had begun applying the minimum payment in its entirety to the lowest APR balance without using part of the money to pay the growing interest of the higher APR balances. This has resulted in the balances at the higher APRs in fact growing, even though I have not used the card during this time. The overall balance is decreasing but the balances at the highest APRs, and therefore their interest charges each month are getting larger.Is this legal? I know that payments over the minimum are supposed to go to the highest APR balance but I could not find an answer about whether the card company is required to use the minimum payment toward all interest charges that have been accrued during a statement period. When I requested an explanation from the credit card company about this change in how the minimum payment was applied they ignored the questions of legality and the change in policy, instead telling me to make a payment over the minimum if I wanted it to be charged to the highest APR balance. However, as I have previously explained, when I tried this the money was not applied as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am mailing you all the latest information that I received back from Navient. They have been over my loans for a number of years and I have made my payments in which they state otherwise. I have records showing that I sent them the consolidation loan paperwork on XXXX XXXX 2017. Per the paperwork I received from them will prove that same information though they previously stated I had not sent them anything. Someone sent a previous document with my name on it in which that was not me. I had only sent them documentation in XX/XX/XXXX not XX/XX/XXXX.  They say that someone emailed them paperwork, but I sent my information to them by mail certified through the US Postal Service. At this time Navient should still be over my loans and also grant my Public Service Loan Forgiveness as I have also requested due to working in the XXXX field over three years in providing service to the public. I want them to acknowledge that they accepted falsified documents where my identity could possibly be jeopardized due to their negligence for not further investigating after they were aware that I had only been mailing in any items to them through the years. Due to Navient constantly lying regarding my files I began sending them all information via certified mail so that I had further proof for my personal records. Everything Navient has done leading up to this point has been a complete scam in running up interest rates beyond what we are able to pay even if we work etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation

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 2022-04-12
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to freedom mortgage company to XXXX XXXX. I wasnt notified and freedom mortgage didnt pay my home owners insurance. 
My payment was raised without cause. I explained I am on a fixed income and couldnt afford their mistake. I requested an escrow analysis and it showed that freedom mortgage owed me money. I was told I didnt have to pay for 90 days after the transfer from XXXX to freedom. At the conclusion of a two month long analysis process I was given the total amount due to them and told that they would release the overpayments I gave them as soon as I payed the amount due. I payed them instantly and was told my check would be released the following business day. 
The check never arrived and I began receiving harassing collection notice phone calls, letters, and people showing up at my door. I called and was told I still owed money, that they had made another mistake and didnt give me the correct bill due. They held my overpayment of more than {$500.00} until I paid them {$90.00}. I explained that Im on a fixed income and I cant afford to keep covering their errors. They threatened to turn me over to collections and report me to the burrows if I didnt pay them again without having received my overpayment to cover the difference. They suggested I borrow money from people rather than them send the money they owed. I took a loan and paid the difference. 
I was told the check would come but after two weeks it still hadnt. My next payment was now due and I still havent been reimbursed. When I called to ask when my payment would arrive I was told the check was never ordered and that my next payment was now due.

This is putting my credit rating, financial security, ability to pay my bills, and eat at risk as they continue to make errors and avoid responsibility while threatening me with the consequences of their actions.

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 2015-11-09
Company: Houser & Allison, APC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please cross-reference with XXXX complaint # XXXX. 
I was contacted through email ( attached for this case ) on XXXX/XXXX/2015 by attorney XXXX XXXX with the attorney firm of Houser & Allison, APC. She said that they are outside managing counsel for XXXX XXXX XXXX, XXXX, and were retained to handle issues surrounding a loan. In my initial response to XXXX XXXX, I asked if they were representing any other parties other than XXXX. In her response, XXXX XXXX said that they represent XXXX and the owner of the debt without identifying who that owner is. In my response, I asked who that party is, and any other parties yet unidentified. Her response ignored this question and other questions, and proceeded to threatened me with foreclosure on the property. 
Previously to dealing with Houser & Allison on this matter, I had to deal with the attorney firm of XXXX XXXX XXXX. I was contacted in the same fashion, through email. I asked similiar questions to the attorney for that firm, who refused to answer them. 
There was a previous attempt to foreclose on the property by a foreclosure trustee, XXXX XXXX XXXX XXXX After I disputed the attempt to foreclosure with them and XXXX , eventually the trustee sale was discontinued. 
There has been a total disregard from XXXX and their vendors representing them to address my questions about the validity of the claims and legal standing that XXXX has to foreclose or modify a loan. My questions are never answered and they only respond with the information that they choose to put forward as a response which has nothing to do with my questions. 
I believe that these 3rd party trustee and attorney firms are hired in attempt to foreclose and liquidate the property to enrich XXXX, and are acting as debt XXXX under the FDCPA and they must comply with the requirements of it. 
I will be sending a debt validation letter to XXXX XXXX and Houser Allison on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Financial Credit Service, Inc.
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They have called me serveral times including my mother XXXX my father XXXX stepmother once and my daughter XXXX. They have accused me of multiple things but all different to each person. They called from an unknow number telling each of us we need to call ARA at XXXX by end of day or we would all be served. I call back and question them and informed them that I paid on the loan and they told me to prove it to the judge and hung up on me. But they keep calling all of us. They called me using our local sheriffs office number and when I called it back they informed me they dont make phone calls like that. They called my father stating they were from the State when he asked for a phone number to verify it she stated she couldnt give that information out and hung up.

Company response to consumer: Closed with explanation