BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi I am a XXXX member of the bank USAA and I have experienced account take over fraud last week XX/XX/2022 my name is XXXX XXXX XXXX I reported it right away and took every necessary step as a member and it is now Tuesday XXXX 2022 and I have not received a email or call or text or anything about my fraud on my account and my account is Negative {$5000.00} and the fraudster wired out {$9400.00} from my account t I only had {$4500.00} in my account to start. So I have a return payment of {$5000.00} on hold and Im negative {$5000.00} currently. My taxes come out next Monday the XXXX and I have no money to my name. The fraudsters took my paycheck and my XXXX and emptied my savings and USAA has done nothing but make my account negative with return payments and overdraft fees. I havent been told even if I will be refunded what was in my account cuz I havent heard from usaa since I reported the event. I have called everyday trying to get updates about whats going on and I cant get through to a XXXX or the fraud dept or anything Ive had call backs scheduled and havent got one call. XXXXm at a loss and I dont know what to do about it. Please help. Im desperate for a resolution at this point. Im available anytime if you need anything at all from me on my end to get the ball rolling. Thank you and please help! I can provide any documentation needed or evidence!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: NY
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 # ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This complaint concerns my Loan Modification with XXXX/Dovenmuehle that took 12 months to process, while impacting my credit report/rating. XX/XX/XXXX I had to quit my job, because of health reasons. In XX/XX/XXXX, I requested a modification of our 15 year mortgage loan, to be changed to a 30 year loan, with XXXX/Dovenmuehle, and on XX/XX/XXXX, I received a letter that my application was complete. An appraisal was done and my modification was approved XX/XX/XXXX. I was told to make 3 trial payments, XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I emailed my loan officer for an update, who told me he was working on the final paperwork. These responses from him went on for several months, until I started receiving calls from the collection dept. My loan officer then told me there was a title issue with my XXXX refinance, and I would have to go back through another process fast because XXXX was going to start the foreclosure process. There were no issues with my title and there was no reason the modification couldn't move forward, and I finally signed the new docs on XX/XX/XXXX. I received a number of letters from XXXX, stating they were looking into the late payments, and I have letters from them, stating they found issues and had sent paperwork to the credit bureaus to correct them.. As of XX/XX/XXXX, the errors are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am making a complaint against Rushmore loan Management Services LLC. I have a 30 years fixed mortgage. I applied for a loan Modification three times over 3 years and I was turned down every time. I am suffering in this Pandemic and Rushmore would not offered any type of Resources. I am a XXXX year old woman, I need my home to live. Rushmore is very discriminative over people that having Hardship in the Pandemic or need a Modification. The Covid-19 pandemic had brought hardship and Rushmore can not help with providing Resources with good outcome, this company is very misleading. Rushmore will never approve you. I felt discriminated against because i am a home homeowner and need help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
It has come to my attention that XXXX XXXX is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place.

The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act. In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor.

You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment. Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
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:
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX  Acct # - XXXX XXXX  XXXX  Acct # - XXXX XXXX XXXX XXXX  Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2019-01-21
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm disputing a debt because I do not owe it to the client. This debt has been paid. I submitted the payment of the amount of {$310.00} by phone on XX/XX/2018 as usual. I received a confirmation email from customer service the day XXXX submitted the payment ( which I still have in my possession. ) To my surprise, a few weeks later, I received a letter from a collection agency. I was confused and called them. They told me that the payment didn't go through. No one informed me, no one emailed. My payments always have gone through. I don't understand why this one didn't. Now I have been penalized with interest and late fees, just because someone in customer service failed to inform me about it. Shame! Unacceptable!

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 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
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:
Experian, XXXX XXXX  XXXX XXXX Please note that XXXX has the XXXX  Account showing 60 day late payment XXXX XXXX Then other 60 day late payments for the following months sequentially : XXXX, XXXX, XXXX, and XXXX. This is clearly not possible and and inaccurate information provided by XXXX. Notice they tried to say I owe XXXX more on the original lease amount of XXXX. After I called out these errors XXXX changed the status to closed, paid as agreed then reported it as XXXX percent paid in full with now only 4 30 day late payments. They have since deleted this account from my credit file because of the constant errors and deceptive tactics used by XXXX XXXX, and the FCRA laws that prevent Credit Reporting Companies from reporting late payments for the COVID Emergency time period. 

Experian is reporting that XXXX is saying the original balance is XXXX! and that I owe XXXX when I only paid the XXXX as agreed. The math is even wrong. That means they are telling you I paid XXXX to them. This is very false and inaccurate. You also have 5 30 day late payments with XXXX in XXXX and now the 4 sequential one are showing up in XXXX instead of XXXX like XXXX reports to XXXX. I am exhausted with these lies and inconsistencies. Please just delete this account. You all have severely hurt my life with this false reporting. 

Experian please do the same as XXXX and you are also subject to the same laws and must comply. XXXX XXXX is truly engaging in abusive practices and you are complicit in violating my rights by continuing to accept their lies and falsely reporting it as verified. Please delete this account immediately they are incapable of being fair and honest in their reporting. They intend to extort me, please stop enabling them.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my checking account back in XXXX, I went to the branch and tried to reopen the account today, and they told me I was not able to, and they would not tell the reason. I have been the loyal client to them, and I need a chase checking account to make my life easier because my fiance is banking with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a loan for {$15000.00} in XXXX through SallieMae. 
They resold my debt to Navient with an unfixed interest rate. 
Since XXXX, I've paid {$17000.00} to Navient As of today, with their variable interest rates ( currently 8.125 % ), I owe an outstanding balance of {$17000.00} XXXX lost my job due to the pandemic and took as much forbearance as they allowed. Now I'm all out of deferment/forbearance time and they're punishing me by raising the interest. I can not make any more full payments. 

They do not give options for partial payments. Because I can not make payments, they've started charging penalty fees. 

Navient calls my house XXXX times a day. They have called the police on me ( XX/XX/XXXX ) They will not let up, and now they are harassing my father. I am a single mom. I fear we will be XXXX by the end of the year due to their predatory nature. 

I implore you to look into the number of suicides caused by this company among millennials. 

Also, they don't allow borrowers to pay more toward their bill each month, so there is no way to pay the principal down. We, the borrowers are trapped. And when their website is down for days, we the borrowers are charged penalty fees. 

How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX XXXX, I am XXXX  XXXX at XXXX Hospital, I have Insurance with XXXX for few year. Last year XX/XX/2018 I had a medical condition and was admitted for few hours in Emergency Department. 
Few weeks after a paid hospital bill and everything was fine but two week ago in the process for buy my house after wait 5 year and with perfect credit score over 800.  The bank communicated with me because I have a debt in collections and my credit score is too low around 600. I Communicated with collections and my insurance and the problem was that XXXX XXXX XXXX XXXX, never sent bill to my insurance and never sent bill to me. 
But the worse for me is that despite to pay 20 % of my house loan, my bank give to me HFA and now I will pay XXXX dollars for month for 11 years for mortgage protection, total of XXXX dollars more due to XXXX XXXX XXXX XXXX sent medical bill and damage my credit score. This is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NY
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 to the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX of XXXX # XXXX, XXXX credit # 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 explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 520 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 24 Months XXXX sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX KANSAS XXXX XXXX MO XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Transunion continue to report inaccurate information. Per the IRS any cancelled debt is considered a certificate of indebtedness which is income and can not be reported. 

The creditor account listed as XXXX Account # : XXXX has several inaccuracies. 

Account Type - Detail : Secured credit card Credit line secured Secured credit card Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} Balance : {$15.00} {$100.00} {$15.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX are reporting late payments from XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. Transunion is not reporting any late payments. 

This means this account has not been properly verified and this information needs to be removed immediately.

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 2023-02-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Back in XXXX of XXXX I excitedly purchased a XXXX XXXX financed through Credit Acceptance. I was told that my truck would be {$19000.00} which seemed like a fair price considering the truck was beautiful and In wonderful shape. I signed papers digitally saying this and then once I received my copy there was an extra {$10000.00} for a finance fee that I honestly had no knowledge of. I was not aware of this so now Im paying {$29000.00} plus for a XXXX I never would have done that I was told my payments would be {$600.00} but not to worry it would go down with down payment lies and car broke down less then a month. Contacted dealership and they pretended like they didnt know what I was talking about everything is as is so I was stuck. I told my family and friend with no reveal I just seen the lawsuit and realize that I am a victim of the lies and deceit on both the dealer and the financial dealer. Im just stuck and my transmission just went out so I had to hustle and make kids go without to get {$4200.00} for a transmission on a {$30000.00} XXXX XXXX really sickened Credit acceptance should be shut down so many ruined lives and credit scores.

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