BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE SENT IN ALL DOCUMENTS OF POLICE REPORT AND PROOF THAT I DID NOT INQUIRE FOR CREDIT WHICH I HAD XXXX XXXX WHERE I WAS IN ICU FOR ALMOST 3 YEARS AND SOMEONE HAS MY SOCIAL SECURITY NUMBER AND A COPY OF MY DRIVERS LISC WHERE I HAD TO GET A NEW DRIVERS LISC. I WILL BE FILING A MAJOR XXXX DOLLAR ALW SUIT AGAINST THESE CREDITORS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My auto loan is with Ally. I made a personal loan to pay them XXXX and not have to pay my car again till XX/XX/2017.i called and asked if I could do this. To the payments not the principal, they said yes. I tolded them not to any late fee or any other fee. Since then I have talked to XXXX people, because they say my next payment is due on XXXX 2017. Not XXXX. 2017. ..because they took out the late fees, plus some money from when my car had been repossessed, some while back. But that 's not what i asked for, or authorize. If not, i would have just made the payments month by month. Now after I 've been calling for 2months and spoken to XXXX people about this issue, they tell me the money they took can not be reversed. To put on my payments. No one wanted to be responsible for it. Try speaking to a manager during these 2months, they always answer me, that there is no manager at the moment. Iam so upset, because if I did this personal loan, to pay my car. ( Advanced ) is because I ca n't pay till XX/XX/2017.They lie to me, and just did what they felted like doing with my money. This has affected me so much. Ca n't sleep. Iam so sad, XXXX and very disappointed. Mad. Please let me know if you can help me. Thank you and God Bless

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 2017-04-28
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On  XXXX / XXXX /   17  i made contact with the original creditor.  XXXX   XXXX   XXXX . They could not find a bill for me for {$140.00}. Or any amount.  XXXX   XXXX   XXXX   XXXX . I would like to have this removed from my credit. The company attempting to collect the debt is  Debt Recovery Solu tions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage from XXXX XXXX XXXX was sold on XXXX XXXX 2016 to Carrington Mortgage. When my mortgage was sold I was 2.5 months past due. I 'm still within the 60 day window of being released from XXXX, so I 've continued to mail my payments to them. I 'm current with my mortgage and have been since XXXX submitted my last payment of {$280.00} ( direct bill pay ) to Carrington on XXXX XXXX 2016. Once your mortgage is sold you still submit everything to your previous mortgage company within the first 60 days. When I called on XXXX XXXX 2016 Carrington, told me to not mail anything to them until notified or to XXXX XXXX XXXX because they 'll ( XXXX ) just return it to me and then I 'll have to send it to them ( Carrington ). That was incorrect information and will give Carrington the opportunity to attach late fees and make my loan in default. I have continued to make payments to my original mortgage company and legally they have 60 days to release everything. Every check that I 've sent to XXXX they 've forwarded to Carrington with the date they received it. XXXX has done everything correctly. However, Carrington has continuously mailed me notices of Intent to Foreclose and put a notice on my door yesterday XXXX XXXX 2016. I have all of my cleared checks and statements from XXXX. Duly, I have all of the notices of Intent to Foreclose from Carrington which is a violation of Federal Law since I 'm still within the 60 day window of being sold from XXXX XXXX XXXX and I am current with my mortgage. Carrington has harassed me and my family with daily phone calls and notices being sent every other day. Their practice is illegal and unjust. The bottom line is that it 's still within 60 days of being sold ( today being day 46 ) and I am current. Something needs to be done to stop this company from it 's illegal, harassing practices. The notices of intent to foreclose was done in retaliation of me contacting the XXXX on XXXX XXXX 2016. Carrington sent me a XXXX page document explaining their position once I contacted the XXXX. They have not updated their information and continue to harass me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I went through and completed a student loan rehabilitation program in 2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a XXXX-months rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since 2013. It 's been over 4 years, but select loan servicers ( XXXX aka XXXX, XXXX, XXXX, XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the XXXX, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Purchased our home in XXXX of XXXX. Our XXXX payment was made in XXXX of XXXX. Loan care servicing center was responsible for taking our payment and process it. We made our payments on time every month and never sent in a payment, I always called and spoke to someone and they made the payment as an ACH transaction.. Our mortgage was sold in XXXX or XXXX to XXXX. We continued to make monthly payments to them via phone. It was n't until XXXX that we called to make a payment and were informed we were 30 days behind. After many phone calls we disputed a missing payment they said we had in XXXX XXXX. After faxing and emailing proof of payment they changed the month of the missing payment to XXXX of XXXX. After this date was verified payed just a few months ago the now new date up for dispute is XXXX of XXXX. We have provided and ACH transaction proof from our bank and we 're told by the End of XXXX XXXX we would be receiving a letter letting us know the problems had been corrected and the late fees and missing payment would be resolved on my husbands credit report. This case has been escalated 3times in a year. As of the XXXX of XXXX, we received yet another email saying the ACH transaction was not enough evidence. After having a XXXXway conversation with our current mortgage company and loan care the night of XXXX XXXX, Loancare hung up on us twice and we nothing was resolved. We have sought legal advise and Loancare still refuses to fix the mistake on their end. They have our transaction for XXXX XXXX being sent back to our bank as insufficient funds. We have provided them with proof on our bank statement that it was never put back in our account and the ACH transaction was posted to the account. They have more than enough proof and are refusing to accept something happened on their end. This has been over a year we have been fighting this and my husbands credit has been ruined in the process. Attached is all the proof we have ever given them and they are still saying it is n't satisfactory.

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 2016-03-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed items on my Experian credit report, but was told that the request would not be honored because it did not look right. Experian sent me the notice with one side of the document left blank. I made another dispute attaching their document to it and requesting a free copy of my credit report. They advised me to go online to make the request. I informed them that by law they have to honor my dispute and send me a copy of my credit report.

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 2017-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian continues to report a negative payment status ( XX/XX/XXXX ) on a XXXX XXXX account that was settled in XX/XX/XXXX. I have disputed this error twice before, most recently on XX/XX/XXXX. Experian 's response was that it would take up to 30 days for them to contact XXXX and to complete their investigation. It has been XXXX days with no correction of this error and, in fact, Experian continues to move the delinquency to the most recent month ( now XX/XX/XXXX ) for the apparent purpose of causing the most damage possible to my credit. My dispute submitted on XX/XX/XXXX included a reference to CFPB complaint XXXX which was my dispute directly with XXXX. XXXX XXXX response agreed with my complaint and stated, " On XX/XX/XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XX/XX/XXXX. '' XXXX and XXXX did correct this error, however, Experian has simply moved the delinquency to XX/XX/XXXX. They have arrogantly ignored the intent of the instructions from XXXX and now falsely claim that they are " contacting the information furnisher '' to complete their investigation. The response from XXXX clearly indicates the wishes of the information furnisher ( XXXX ) to remove the delinquency so Experian has absolutely no excuse for continuing to report this error. This is a clear and intentional violation of the Fair Credit Reporting Act Since the CFPB has, by federal law, responsibility for the oversight of the credit reporting agencies, I request that the CFPB take action beyond just forwarding this complaint to Experian. It is evident that Experian has no intent to take action to correct this erroneous reporting and is in violation of FCRA sections XXXX and XXXX ( willful and negligent noncompliance ).

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 2016-12-20
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We used to have my mortgage loan with XXXX XXXX mortgaga but around XXXX, our mortgage was transferred to loan care based in XXXX ; Virginia. On XXXX/XXXX/16, they sent us an escrow analysis indicating that I had a shortage of XXXX. The problem is that they could not explain where the shortage was coming from. I still pay close to what I have been paying in the past. My XXXX went down so too did my XXXX My monthly mortgage payment has gone up from XXXX to XXXX showing an increment of about {$260.00}. They paid out XXXX for my XXXX bill ; that was understood but the shortage still could n't be justified. They continued to refer us to our previous mortgage company for any explanation. 

Also, we were late making our XXXX payment and so we paid it around XXXX XXXX but they reported to the credit bureau that we were late for XXXX instead of the previous month ; XXXX. We paid twice in XXXX. 

The decreases in our XXXX and XXXX is still not reflected in the total amount that we pay every month.

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 2016-12-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016, I checked my XXXX XXXX account and noticed that Equifax re inserted and address that does not belong to me. It was my father 's address when he was alive. I then went to Equifax 's web site, pulled up my report to verify the reinsertion and it was correct that they had illegally reinserted that address that didnt belong to me. I was never notified by Equifax that they were going to be reinserting an address that doesnt belong to me. They broke the law by not notifying me within 5 days. Also I had sent them proof of address several weeks ago when I disputed other fraudulent addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage has been the direct force in us resulting with a lien against our property. Our mortgage has our tax pymts escrowed. On XX/XX/XXXX, I was informed by my town office that no pymts had been received for the year & a XXXX day demand was in affect. We contacted Carrington on XXXX and was told that their records agreed, no pymt had been made. A copy of the demand letter was faxed by the town to the company. We were told it had been received and would take XXXX days to process but we were all set. After checking our account and seeing no pymt applied we again called on the morning of XXXX. We were told this time that nothing had been processed & that they had not received a fax from the town until XXXX. This was in fact a lie since we had verification back on XXXX we were all set. The town further verified it by having confirmation that the fax was sent on XXXX and there were no outgoing faxes on XXXX. They told us it would be another XXXX days for processing. I told them this was unacceptable since the deadline was XXXX. The town was contacted by them the morning of XXXX asking for yet another statement of the account balance. It was provided and then the town called and verified that it had been received and was in hand, which it was confirmed. I called as well and was told on XXXX that the check had been issued and had been overnighted. On XXXX, no payment was received. The XXXX aware of the situation, called the company and was told that they would call back with a tracking # and were surprised it had not come in. By the afternoon, the XXXX received another call from a different individual stating that there had been a mess up and the check had not been mailed ( Even though XXXX the XXXX and myself was informed on XXXX it had been mailed ) They were unwilling to do anything in forms of a wire transfer or over the phone payment to avoid us having a lien placed on our property by XXXX. Checks were finally cut and mailed on XXXX but a lien was filed due to non payment by the set deadline. 
This has further led us to believe that we were misdirected last XXXX ( XX/XX/XXXX ) when we tried to apply for a refinancing of our loan due to some hardships ( my wife had missed a lot of work due to XXXX issues ) We submitted everything that was requested of us and each time when we confirmed that it was received, were told we were all set. Then when we would call to check on the status, were told on XXXX separate occasions that the documents had not been received. We were ultimately denied and accepted it, but this is now making us wonder, if this was just another lie and documents were not delivered or fairly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: NCC Business Services, Inc.
State: TX
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:
The debt I 've acquired is from an apartment complex in Texas I lived in about 5 years ago. Upon moving out I was charged my full deposit plus other ridiculous fees resulting in me owing over {$500.00}, which I had no intentions on paying. To this day I have never been contacted to repay this debt by the apartment company or the collections agency. The only reason I know it was turned over to collections is by checking my credit report.I still have had no contact with either party but am seeking information on how best to handle the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am recently XXXX XXXX XXXX classes and have been for the third XXXX  and went through and looked at my financial aid money coming in and don't agree with what they're taking from me. They are taking transportation cost and personal expense cost and also living costs. That money should be coming to me each semester and they are taking that instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX XXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. Experian still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/XXXX I received a call from one of my retail cards, XXXX, asking why I am changing my address and phone number on my new account. I confirm that I did not change that information and contacted each one of my accounts. I discovered the address, phone number and email address had been changed on every one of my retail credit cards. There were two address used XXXX one in XXXX and and other in XXXX XXXX addresses were reported to all three credit bureaus- even after I reached out to them and put a fraud alert on my credit accounts and credits reports. On XXXX XXXX, an unauthorized purchase was made on my XXXX account and shipped to the XXXX address. I had XXXX intercept the package and retail it to the retailer. On XXXX XXXX, the address was changed on my XXXX XXXX account. XXXX XXXX reported that a purchase was attempted but the purchaser could not verify the personal information on my account, so it was declined. There are multiple credit inquired on my credit report that I did not authorize that go back as far as XX/XX/XXXX and the defrauders used an incorrect variation on my name XXXX XXXX XXXX XXXX. I have locked all of my credit accounts and frozen limits. However, I wanted to buy a house and need to apply for a mortgage in less than 30 days. I will continue to monitor the situation but I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Thought I was getting a Free Credit score. 
Website somehow charged {$1.00} I was then manipulated into signing up without knowing I was ordering a trial subscription. 
A few months later I noticed the charge on my CC. 
Since I never intended to order anything, I disputed. 
They agreed to cancel but refused to refund.

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 2016-06-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is currently reporting an open collection account from the company XXXX XXXX on my credit file. I have no knowledge of why this company is reporting this debt on my file. I do not owe this company anything. The lease was turned in on time and whatever charges were remaining they were paid in full to the finance company. its reporting as a {$0.00} balance. i tried disputing and they will not reinvestigate or provide me with proof of the investigation. This company has no right to report an non existent collection account on my credit file. Its not being reported by no other bureaus from Experian and they will not disclose to me the verificaton that this debt is in fact mine. i do not have any knowledge of this debt

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