BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt must be removed due to not be able to provide proof of original debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: NM
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX  Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was discharged, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. 

For example, the XXXX XXXX Account with XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with XXXX was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

Sincerely, 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 2020-12-31
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We did a loan modification with Rocket Mortgage and we signed all the paperwork, notarized it, and made the first mortgage payment. Despite all of this, Rocket Mortgage continues to tell us that the loan did not update and we owe the amount not paid during the forbearance period. This is contrary to the CARES act. 

In our man conversations with Rocket Mortgage, we are told they are working on resolving this but they never do resolve and other departments at the company tell us we owe the money and are at forclosure risk. On one hand we are called with urgent calls saying we owe the back payments while we were in forbearance and then we're told that it should be ok but it takes 45 days for our records to update since they received the signed loan docs -which was back in XXXX. 

Furthermore, in our verbal correspondence, we have been repeatedly told different facts regarding this situation by Rocket Mortgage representatives and we have each of their names. We get the run around on the phone with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm writing this complaint and there is no third party involved. 



To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

3. Deletion from all consumer reports.

4. Delete all my personal information from your company.

I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return this completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 



Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

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 2020-12-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I changed banks back in late XXXX, and stopped using this account, several merchants have refused to not try and take funds from this account, this has happened probably at least a 10 times or more, I don't know what happened but finally after about 50 different calls, I think. I have them all straightened out. 


This caused an excessive fee problem, which is not my fault because I updated my info with EVERYBODY else too and they managed to get it right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage with XXXX  ( original loan # XXXX XXXX. This loan was to be serviced by Caliber starting on XX/XX/XXXX ( Account # XXXX XXXX. 

We received a letter dated XX/XX/XXXX that our mortgage servicing was being transferred from Caliber to XXXX effective XX/XX/XXXX. At that time, our automatic mortgage payment to Caliber was canceled and and account closed by Caliber. 

We never received a letter from XXXX stating that they will be taking over the servicing of our loan. When we contacted XXXX they stated they have no record of our loan but that it could take a few weeks to show up. We contacted them several times over the following 6 weeks and they opened an investigation. We received a letter from XXXX on XX/XX/XXXX stating that they are not servicing our loan. 

During this time we also made attempts to work with Caliber have been met with the same response of " we are no longer servicing your loan ''. My account status with them shows a {$0.00} balance and a " non-active '' status. 

In addition, We reached out to XXXX to see if they can help and they were met with the same responses from XXXX and Caliber. 

We have not made a mortgage payment in several months despite repeated attempts to do so. We are very concerned that our credit will be impacted by this and are looking for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase bank cut the limits on my credit cards when I had made no late payments and was not at the credit limit. I had not used the cards in several months and was making regular payments to pay them back down. I called Chase to ask why they did this. I spoke with a CSR who called herself " XXXX. '' XXXX asked me where I was using my cards and why I used them so much in the recent past. I didn't see this to be any of the bank 's business ; however, I explained to XXXX that my husband and I had bought a house a year ago and we were using our credit cards to purchase furniture and make some necessary renovations to the home. I was also taking care of my mother, who has XXXX XXXX, and was not able to work full time for a while. She is now in assisted living and I am back at work full time. XXXX wanted to know what my " payment plan '' was to pay the cards down. I tried to explain to her that I was not using them and am making regular payments to pay them down. The balance has been going down over the last several months. I do not feel it was appropriate for this woman to ask me where I was using my credit and why. I understood that the credit was there to be used, and I am being punished for using my credit. Again, no late payments and balance not over the limit. She refused to reinstate my credit limit. This is affecting my credit score and I want me credit limit to be restored, not to use the card, but to get my credit score back where it was until this bank lowered it tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CL Holdings LLC
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: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/XXXX to XXXX, XXXX, and XXXX is my tracking number XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back.This is not making any sense. According to the law 15 U.S. Code 1681i- Procedure in the case of disputed accuracy.If the completeness or accurancy of any items of information contained in a consumer 's file at a consumers reporting agancy directly, or indirectly though a reseller, of such dispute, the agency shall, free of charges, conduct a resonable reinvestigation to determine wheter the disputed information is inaccurate and recored the current status of the dispute information, or delete item from file in accordance with paragrah ( 5 ) before the end of the 30 day period beginning on the date which the agancy recived the notice od the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX   XXXX Experian XXXX XXXX   XXXX Second Round XXXX   XXXX Experian 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 explanation
Consumer complaint received 2019-11-26
Company: USA Service Finance LLC
State: TN
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:
I noticed negative reporting from USA Service Finance when I pulled my credit report on XXXX XXXX, 2019. On XXXX XXXX, 2019, I wrote to inquire about the debt .I have attached a copy of the letter and certified mail receipt. I have no knowledge of this account so I asked for them to verify the debt and provide proof that this is, in fact, my debt. It has been more than 30 days and USA Service Finance has not responded to my request. I believe it is unfair for this organization to report negativity on my credit and refuse to valid my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX .I was victim of XXXX XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the 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 non-monetary relief
Consumer complaint received 2018-02-20
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I had a car accident on XX/XX/XXXX. I took a leased car on XX/XX/XXXX from the XXXX XXXX  XXXX XXXX. The loan was pre-approved from XXXX 's bank, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.

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 2020-12-31
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Spoke with the Kia Motor Finance ( KMF ) Company in XXXX of XXXX as the cosigner of auto lease and told them I would be taking over nonpayment of the lease as the primary party of lease whereabouts were unknown and to prevent default. Was not successful in making me primary on the lease as not KMF policy. Paid on lease until close in XX/XX/XXXX. Told by KMF that any fees would be addressed by dealer at time of vehicle return. XXXX, PA Kia stated no further charges and gave account closed paperwork and clean vehicle report. ( Attached ). KMF closed my account on or about XX/XX/XXXX with a XXXX balance. In XX/XX/XXXX my credit score dropped almost 100 points due to an unpaid balance owed to KMF of which I was unaware. I contacted KMF and they said they tried to contact the primary signatory party several times unsuccessfully. I told KMF they never contacted me. They stated by law they are not allowed to. I stated we had a contract, how could that be so, and if so, how could this end up on my credit report? KMF stated they are not legally allowed to leave a voice message, send an email, and they do not send certified letters. All letters sent to my address were sent in primary signatory party name to which the USPS will not deliver due to that person not living at the address and perhaps a change of address filed by primary party. I related to KIA that they had no problem contacting my by mail, phone or email for any other issue and that XXXX, PA KIA stated the lease was fulfilled. KIA would not remove the negative credit collection yet still wanted money for a charge I was unaware of. I have also sent dispute to KMF complaints.

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 2020-10-04
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XX/XX/2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO! 

I received a letter from XXXX stating this account was bought by XXXX, whom I have never heard of or received any correspondence from. I will definitely be forwarding this complaint to the Georgia Attorney General as this seems fraudulent and scandalous.

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 2019-04-05
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with KeyBank that was originated by its predecessor XXXX XXXX Bank in 1997. I received a letter from KeyBank in mid-XXXX requesting proof of hazard insurance for my property at XXXX XXXX XXXX in XXXX ( town of XXXX ), N.Y. My insurance agent provided documentation of this in an e-mail sent XXXX XXXX to XXXX, as requested in the bank 's letter, and copied to me. On XX/XX/XXXX, I received from the bank a " second and final notice '' ( dated XXXX XXXX ) requesting proof of insurance and warning me that the bank would purchase insurance on my behalf if I failed to provide proof in insurance. On XX/XX/XXXX, I called the customer service number listed on this letter ( XXXX ), where a bank employee informed me that the information we'd sent XXXX XXXX had been received and that the bank would " escalate '' its review of this material and get back to me. I received no response. Instead, on XX/XX/XXXX, I received a third letter informing me that the bank had purchased an insurance policy on my behalf at a cost of {$1800.00}. This is completely unnecessary as my property is already insured and has never lacked coverage since I bought it in 1997. On XX/XX/XXXX, I called the bank 's mortgage customer service number ( XXXX ) and was advised to send my proof of insurance to XXXX XXXX, a manager in the bank 's mortgage department. I sent this material and a cover letter by fax at XXXX and also sent the proof of insurance to her e-mail, XXXX. I have received no response. As the principal due on my mortgage is less than {$8000.00}, and as the mortgage carries no prepayment penalty, I paid the remaining balance due with a check mailed XX/XX/XXXX. On XX/XX/XXXX, I received a letter from the bank saying that to settle my loan in full, I would still need to pay the additional {$1800.00} plus a {$50.00} closing fee. I do not expect to pay for this additional, unnecessary insurance policy that KeyBank arbitrarily chose to purchase on my behalf. The bank has been completely unresponsive to my communications and my multiple attempts to resolve this directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reach out to the company stating that this account is fraud

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