BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, my USAA was compromised by an unknown entity. I was told by an operator the entity tried calling into the automated service to reset my account 4x.When that didnt work they logged into my banking account and reset my profile settings to include address, phone number and email address.Later I found out USAA sent emails to the notifications In box within my account-that the settings had been changed.I didnt receive any texts or emails for this.On XXXX, a deposit of {$2500.00} from an unknown unauthorized account posted to my checking account.On XXXX a withdrawal of {$5000.00} was withdrawn from my checking account.On XXXX, a deposit of {$2500.00} from an unknown unauthorized account posted to my checking account.On XXXX, a withdrawal of {$3400.00} was withdrawn from my checking account.On XXXX, USAA was aware of the activity and made a permanent credit to my account of {$3400.00} and $ XXXX XXXX, withdrawal of {$2500.00} was withdrawn from my checking account as a convenience check funds transfer return. 
On XXXX, a withdrawal of {$2500.00} was withdrawn from my savings account.On XXXX, a withdrawal of {$2500.00} was withdrawn from my savings account and transferred to an unknown XXXX XXXX  account ending in XXXX XXXX, a permanent credit of {$2500.00} was made by USAA to my savings account.On XXXX, withdrawal of {$2500.00} was withdrawn from my savings account as a convenience check funds transfer return. 
From XX/XX/XXXX, I have repeatedly demanded by compromised checking and savings account to be closed.I have repeatedly demanded to speak with the Fraud Department. I have spent hours on the phone to be told misleading information.I have been locked out of my own accounts even after I was told my accounts had been freezed and locked down to prevent unauthorized access. I was told numerous times the compromised accounts were locked. To date this still are not locked or closed, which I have begged them to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Called XXXX when received a notice they could not find account number in XXXX stated it was not an account of theirs. Also filed an affidavit with XXXX stating was not my account. Also filed a dispute with major credit reporting XXXX on XX/XX/XXXX which also conducted an investigation and came back to the conclusion this was not my account and was Also removed from my credit report. This was something that came up in XXXX midland funding bought this account I was served papers from them XX/XX/XXXX have also called them in reference to this stating it is not my account and they were extremely rude and unprofessional and I refuse to pay something that is not mine. This account was opened fraudulently there is nothing that has been given to or signed by me at all because this is 150 % not mine. There is no information on anything that was sent to me its all redacted out. But this bill is not mine which I have attempted to explain this to XXXX and they refuse to listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
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 this creditor CREDIT ACCEPTANCE has violated my rights Under 15 USC 1681 section 6 o 2 states that I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666B a credit may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose. 
THIS LETTER SERVES AS A FORMAL COMPLAINT THAT THEY ARE REPORTING INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. THE NOTATION OF THE FOLLOWING LATE PAYMENTS IS INACCURATE. 
Late payment dates : XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23

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 2023-08-08
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A collection from XXXX XXXX XXXX was presented through a civil case in the amount of {$700.00} for a debt my ex husband took out in my name. I am waiting on proof of debt. According to the divorce decree I am not to be held liable for any expenses regarding his motorcycle. I believe this was for a helmet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Royal Pacific Funding Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive had a very confusing time with my mortgage being mishandled. I mailed in my XXXX by mail on XXXX. Royal PacificXXXX XXXX Mortgage lost my payment and didnt process it. 
Also right at that time, I had set up automatic payments which were to state XX/XX/2023. I kept on logging into my account during XXXX and saw no payment was due. 
Then in XXXX when I logged in, I saw that there was an outstanding amount and that the XXXX payment had not been taken out and neither was the XXXX payment applied. And I was marked late for it. 
Upon seeing that my check was still not cashed, I immediately paid the amount owed displayed. I was later told that the online screen only will allow and show one-month payments and recurring payments wont withdraw if there are any outstanding payments owed. 
This is something that was not communicated to me when I set up the auto payments. 
It is not my fault if the mortgage company loses my checks and doesnt process payments and fails to notify me. 
I understand that I missed the payment deadline which has negatively impacted my credit score. However, I believe the servicing of this account has been marred in confusion, since its a new account., I was also given limited information and had both technical and issues that absolutely misled me on the website. In addition, it also had been very confusing trying to figure out who the actual lender is. Also, time and again I tried to login to the Royal Pacific website and it kept on transferring me from one portal to another, and wouldnt let me in. 
I also filed a small claims court against Royal PacificXXXX XXXX Mortgage and there is a $ XXXX judgment pending against them. However, Id be willing to drop this case if the companies remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/ NOTICE OF ERROR AND OPPORTUNITY TO CURE WITH INSTRUCTIONS Overview It has come to my attention that account ( XXXX ) # XXXX, # XXXX, # XXXX reported three ( 3 ) times, # XXXX as well as 17 unauthorized uses in the form of inquiries that I discovered as well. So since 15 USC 1681 ( b ) states the reporting of my consumer report shall be fair and equitable to me, the consumer. That being stated, I would like for you to provide the documentation that has my expressed consent given even allowing you to allow anyone or any company to furnish reports on my consumer report or the documentation that has my express consent given allowing your agency to hold and distribute my private property. You are reporting inaccurate as well as unverified information pursuant 15 USC 1681 ( n ), ( o ) which holds your agency liable to me the consumer {$1000.00} per violation for failure to meet requirements of the law due to willful non-compliance as well the damages I have incurred due to negligent non-compliance, everything your agency is reporting is adverse toward me the consumer and if these issues are not cured within 72 hours from the reading of this notice an opportunity to cure by becoming fair and equitable on behalf of me, the consumer. I will be pursuing damages in small claims. I would like every account verified and reported accurately. I will be forwarding all correspondence to CFPB, FTC, Postmaster Inspector General, as well as the IRS. If your agency doesnt respond or perform within the time specified above i shall assume you are in agreement with the facts stated herein and will wire me XXXX as an out of court settlement for defamation, mental stress, financial hardships, violation of my privacy which is furnishing my PRIVATE information WITHOUT MY EXPRESSED PRIOR CONSENT which is a right recognized within 15 USC 1681 & 1692 consumer has the right to privacyunless your company or any of your constituents can produce such document ( s ) of me granting you or any of your constituents the permission to report inaccurate and unverified reports if such document ( s ) exist. Hopefully we reach an amicable resolution as this is done with clean hands and in good faith without prejudice. All rights reserved. 
XXXX XXXX XXXX XXXX XXXX Authorized Representative

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 2023-08-08
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive had a very confusing time with my mortgage being mishandled. I mailed in my XXXX by mail on XXXX. XXXX XXXX Dovenmuehle Mortgage lost my payment and didnt process it. 
Also right at that time, I had set up automatic payments which were to state XX/XX/2023. I kept on logging into my account during XXXX and saw no payment was due. 
Then in XXXX when I logged in, I saw that there was an outstanding amount and that the XXXX payment had not been taken out and neither was the XXXX payment applied. And I was marked late for it. 
Upon seeing that my check was still not cashed, I immediately paid the amount owed displayed. I was later told that the online screen only will allow and show one-month payments and recurring payments wont withdraw if there are any outstanding payments owed. 
This is something that was not communicated to me when I set up the auto payments. 
It is not my fault if the mortgage company loses my checks and doesnt process payments and fails to notify me. 
I understand that I missed the payment deadline which has negatively impacted my credit score. However, I believe the servicing of this account has been marred in confusion, since its a new account., I was also given limited information and had both technical and issues that absolutely misled me on the website. In addition, it also had been very confusing trying to figure out who the actual lender is. Also, time and again I tried to login to the XXXX XXXX website and it kept on transferring me from one portal to another, and wouldnt let me in. 
I also filed a small claims court against XXXX XXXX Dovenmuehle Mortgage and there is a $ XXXX judgment pending against them. However, Id be willing to drop this case if the companies remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Maximus Education, LLC dba Aidvantage
State: OR
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:
XX/XX/2023 spoke with Aidvantage XXXX XXXX on issues regarding inaccruate information at XXXX am. He tried to help with dates of when my student loans will be XXXX on my account for student loans forgiveness. Orginally was informed 7 mos it is now 8 mos from XX/XX/2023. My loans were forgiven 100 % per XXXX of XXXX and then I spoke w another rep who asked me when do I want to repay my loans. Informed me interest and charges will accrue. I also spoke with another rep who informed me XX/XX/2023 for final resolution, then was informed I need to request additional documentation from Dept of Education. I spoke with another rep at Dept of Education who informed me that AidVantage has all the paperwork. 

I call every week for updates as I am trying to purchase a home but denied due to the student loan showing on the tradelines. Since my student loans have been sold every time I am not getting direct answers. I want this off my tradelines and showing zero balance due. Also I should not be charged interest nor being requested to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My concern pertains to the account in question, which is erroneously listed as a late payment account. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXXXXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2023-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Two financial aid checks were sent to USAA electronically to the wrong account. First refund, totaling, {$75.00}, XX/XX/2023 and the second refund, XX/XX/2023 for the amount {$5100.00}. I inadvertently placed the wrong account number ( XXXX ) on my XXXX XXXX XXXX  refund account. Instead I used my members ID ( XXXX ). Myself and the senior cashier at XXXX XXXX have spoken with USAA numerous of times trying to reclaim the funds. XXXX XXXX, the senior cashier has also asked for USAA to return the funds back to them. USAA have requested an indemnity letter from the university, which they have but without the hold harmless agreement. The university is unable to provide the hold harmless agreement. However, they have provided both amounts, dates, tracing numbers for both transactions, and asked them to return the funds. 
I have attached the letter from the university, proof to show that I mistakenly placed the wrong account number on my student profile, the dates/amounts refunds were sent. Im asking for help to reclaim my funds. Im responsible for these student loans however I didnt receive. The correct account number ( XXXX ) Ive requested for them to transfer is now on file with the university. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023 I sent two payments, via Bill Pay, from XXXX XXXX XXXX XXXX XXXX XXXX ) to a USAA auto loan. One for {$1800.00} and one for {$420.00}. I can see in my XXXX account summary that both payments left my account. USAA claimed that there were insufficient funds. I can see in my USAA account summary that both payments were received and reversed. Then the money disappeared. I am missing {$2200.00}. I have called both entities seventeen times almost weekly since XXXX and neither of them will claim responsibility or give me the money thats missing. In addition to the numerous phone calls I have uploaded documents and thorough notes proving my case and had a three-way phone call with both entities to no avail. This is causing extreme stress and each time I call I have to start the story over again and end up with the same result. My XXXX checking account # is XXXX My USAA auto loan account # is XXXX. On XX/XX/2023 I submitted a CFPB complaint against XXXX ( Complaint ID XXXX ) to seek resolution and they, again, claimed that it's not their responsibility on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX  Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$540.00} 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account has been reported on my credit, it is a lease for an apartment. This account is NOT mine and I have reported this to the policy department and filed my FTC identity theft reportXXXX XXXX XXXX XXXX XXXX gave a lease to someone under my information, I am attaching my ID in which you can see I did not even get my permit to work and arrived to the XXXX until XX/XX/2022 how could I have signed a lease in XX/XX/2022 and have proof of income? Please remove this from my account

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 2023-08-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 


15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts be deleted immediately XXXX XXXX account number XXXX amount XXXX XXXX XXXX account number XXXX amount XXXX XXXX account number XXXX amount XXXX XXXX XXXX  account number XXXX amount XXXX in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the month of XX/XX/2022, I left XXXX without any debt. In XXXX I received a bill that XXXX was about to pay me {$110.00} for over billing. I called the company because the bank account were they were supposed to deposit the money was closed. They did not refund the money. Then 3 months later I received bills for {$98.00} and I called XXXX to ask about it. They did not answer me why they were charging me neither the amount they were supposed to refund me. In XXXX I received a letter from XXXX a collection company and they stated that I could file a claim online and that after XXXX business days, they will give me an answer. They never answered. I called XXXX time before XX/XX/XXXX and nobody return my calls or answer. No I have a credit collection that I should never have it in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation