BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received an unsolicited email from someone named XXXX XXXX saying that they were from True Accord. I did not recognize anything about what they claim was owed. There was an address listed for them so I drafted a letter requesting specifics of this alleged debt and sent it via USPS certified mail on XX/XX/. The tracking informed me that the letter was received on XX/XX/. I have not received anything in response via mail as was requested yet I am still being contacted by this individual, the last communication being what has prompted this complaint. The email address sending these email is XXXX. I feel the need to bring this to someones attention to get this to stop. If they are breaking some type of law, I would like to know that and whether or not damages can be pursued. Thank you for your time

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 2023-05-05
Company: Experian Information Solutions Inc.
State: PA
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: Siggi LLC
State: AL
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. 

The company removed the account from my credit report and added it back as an open account without my consent or knowledge. I have disputed for inaccuracies and inconsistent reporting on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: American Financial Resources, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a loan 5 months ago, home purchase with a construction loan to make improvements. NOT an fha loan. Underwriter demanded a HUD inspection ( {$750.00} ) then refused to accept his findings and demanded an Engineer Inspection ( {$700.00} ). Underwriter has delayed beyond reasonable time standards, even refusing appraisal and sending it back three time. Last time for a non-essential typo. Now four days before closing the closing costs are {$3400.00} higher than original estimate. All due to the excessive delay by underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have reached out to Capital One to have the {$39.00} membership fee since my card has been restricted for well over 2 years to only be advised that they are unable to remove the fee. The card company is a rip off how can you continually charge a membership fee yearly but yet the customer card is restricted and unable to be used. I want all my membership fees refunded or the card unrestricted immediately or I will reach out to my attorney to file a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2021-07-23
Company: U.S. BANCORP
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we started the process of apply for a mortgage through US Bank with their Loan Officer, XXXX XXXX ( NMLS # XXXX ). During these first few emails it was clearly stated that I was a US Veteran and had even previously used the VA Loan. Due to the construction restraints in the Midwest ( Iowa ) and the fact that my Spouse and I were living overseas, our house was schedule to be completed around XXXX, XXXX. The months went on we finally moved back to Iowa the end of XX/XX/XXXX. We finalized our loan paperwork XX/XX/XXXX for a closing date of XX/XX/XXXX. On XX/XX/XXXX I started researching tax credit on our local counties website ( XXXX County, Iowa ) and discovered the Homestead and Military Exemption Credit. Along with this researching, I discovered the Iowa Finance Authorities website which detailed a " Military Homeowner Assistance Program '' Grant for {$5000.00}. The only requirements listed on their website stated you had to be a veteran, which I was, and which our Lender XXXX XXXX knew. She is also listed as a loan officer on their website. I reached out to her on that day, XX/XX/XXXX and asked about eligibility. She replied the same date stating we exceeded the purchase price and household incomes. I thought I would check with the IFA ( Iowa Finance Authority ) and emailed them that night, the XXXX of XXXX. I received a reply from the following morning on XX/XX/XXXX stating there were no income or purchase limits to qualify for the grant, eligibility is based on service dates ( which I would qualify for ). I sent the information to XXXX immediately. She responded back later that day stating she'd have to, " restructure your loan and submit the application to IFA. We'd probably be looking at about 30 days to get everything approved through IFA and your loan restructured. '' That seemed odd to me, so I emailed the IFA again right away and they said it takes on average 48 hours to approve, maybe a few days. My wife then emailed XXXX that night and asked what would be needed and stressed that {$5000.00} is a lot of money. On Friday XXXX responded with further details and what would be needed and eventually XXXX then said it could take a few weeks ( as opposed to 30 days before ). At this point our closing date is 4 business days away and XXXX is obviously not going to help us. We told her we could provide everything right away but if we had to change our closing date we couldn't delay. I've attached all email traffic with XXXX and the Iowa Finance Authority. XXXX has personally cost us a {$5000.00} grant that we could've used toward the closing costs.

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 2023-06-22
Company: NCB Management Services Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Told them 1 year ago to stop calling me, they are trying to collect a debt for a XXXX XXXX, they told me they wouldnt call me anymore, but called me 100+ times over the course of the year. As im a truck driver i hardly have time to take these calls, as either im busy or it would be dangerous to do so. This is ridiculous and needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Dear Sir/Madam, I am writing to file a complaint regarding the communication I received from my loan servicer, which has caused me great concern and frustration. I recently received an email that detailed the terms and conditions of the payment modification program for my loan, and I am troubled by the implications it contains. 

I have also attempted to work with my loan servicer to lower my payments due to my current unemployment status, but my requests have been denied. I believe that this refusal to work with me is unfair and puts me at risk of defaulting on my loans. 

Specifically, the email stated that the use of a payment modification program, with the exception of Extended Borrower Repayment, may result in disqualification from certain borrower benefits, including private loan cosigner release, that require on-time payments to be made. I find this to be deeply concerning as it seems to suggest that I will lose important benefits if I take advantage of the payment modification program.

Additionally, the email indicated that if my enrollment in the program is denied or terminated, the payments I authorize will still be withdrawn and applied to my loans, but they may not be enough to cover my full monthly payment amount, which could result in delinquency. This feels like an unfair and unnecessary risk to take.

Overall, I feel that the communication I received was unclear and potentially misleading. I am concerned that I may not fully understand the terms and conditions of the payment modification program and that I may inadvertently lose important borrower benefits or become delinquent on my loans as a result of participating in the program.

Therefore, I urge you to investigate this matter and ensure that my loan servicer is providing clear and accurate information to borrowers about their options and the potential consequences of those options. Additionally, I urge you to investigate why my request to lower my payments has been denied and to take appropriate action to ensure that my loan servicer is treating borrowers fairly and in accordance with federal laws and regulations. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1861 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

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 2023-11-27
Company: Automated Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
In XXXX of XXXX I sumitted my payment, as usual. 
On the XXXX, of XXXX Rushmore called stating that payment was not receive. 

Rushmore receive my payment, stamped my check, with a stamp from XXXX. 
And stated that they did not Receive Such payment. 
that check was sent to the address, I always sent my check to. Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX - XXXX. 
Till today XX/XX/XXXX they are still claiming that they did not Receive that check. 
They change the account #, number just not to applied the money to my loan. 
return or applied that XXXX to my loan. 
Rushmore also stole my monies from my escrow account.. ( XXXX ) from the month of XXXX to XXXX. Rushmore started a new account, effective XXXXClaiming that the principle owed on my account is {$140000.00}, that is not so the principle owed from XXXX to XXXX should be {$140000.00}. proof of insurance was always submitted. they claim that proof of insurance was not submitted for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: The CBE Group, 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:
In XXXX, I switched cell phone service from XXXX to XXXX and paid any balance in full. Months passed and eventually got a new bill under my name with a DIFFERENT PHONE NUMBER that I never had. I communicated with customer service and they transferred me to the Fraud Department. The rep determined the account was created by an unknown employee by using my identity. I contacted the local authorities and filed a report, which I have attached in you page. 

Debt has been sold to third party collection companies that I have called to inform it has been fraud. 

On XX/XX/XXXX, I wrote a certified letter to CBE GROUP demanding proof that this debt was mine. I also included the police report. 

On XX/XX/XXXX, CBE GROUP responded with the attached letter ; informing that the debt was confirmed. 

This situation has affected my life and credit opportunities. 

I respectfully request to investigate with hopes of removing this record from the bureaus XXXX, XXXX, and XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson capital systems has contacted me about a debt that was result of identity theft back in XXXX. According to the law 15c it was supposed to be deleted years ago when I reported it. I also did not receive proper debt validation. 
In the amount of {$2300.00} Jefferson capital systems knows this was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of Identity theft which I forwarded over a police report stating that all of my items and personable cards/wallet was stolen. To ensure protection I requested a fraud alert to be placed on my credit profile numerous times, in which Experian did, however the request for the alert they dropped my score XXXX points just for requesting a fraud alert to be placed, in which it states on their website that requesting/placing a fraud alert will not effect your score. I'm trying to recover still from my personal items being stolen from my vehicle on top of my personal data being breached in during XXXX 's failed security infrastructure. This is causing more stress than ever trying to recover.

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 2023-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We responded to a XXXX XXXX by XXXX XXXX XXXX, XXXX XXXX, regarding a NY apartment available for rent. It was for my child who was starting an internship in XXXX. The post referred us to contact XXXX XXXX ( XXXX ) XXXX, who claimed to be the Listing Property XXXX for XXXX XXXX XXXX. Correspondence regarding apt details between him and my daughter ensued. The apt was supposedly being subleased. We provided requested personal information ( I redacted my personal information like SS and bank account information ). We received and signed an agreement. We were then asked wire {$2600.00} rent deposit to XXXX XXXX, XXXX XXXX XXXX  savings acct, XXXX XXXX XXXXXXXX XXXX, XXXX, GA. The wire did not work, so we were given another account to XXXX XXXX XXXX to Wells Fargo Bank checking acct, XXXX XXXX XXXX XXXX NY XXXX, and received confirmation from XXXX. We were asked to provide a 2nd deposit supposedly requested by the owner due to past negative experience and we would be refunded our first deposit if we could not pay this. To reaffirm our good faith and to secure the apt , we decided to wire the additional {$1400.00} to XXXX XXXX XXXX again, but did not receive a " booking receipt '' as per the agreement. After numerous follow ups and about 2 weeks before the move in date, XXXX finally responded to my daughter, " We need to process your refund, because the current occupant decided to extend her stay. '' He corresponded via text with my daughter indicating he would have other options available and would get back to her with status. My daughter communicated that she preferred a refund because the other options were not suitable. After repeated requests and follow ups, he stopped responding and the refund never happened. We sent a demand letter to XXXX and XXXXXXXX XXXX  XXXX. It was addressed to the names on the letterhead of XXXX XXXX : XXXX XXXX, XXXX XXXX and XXXX XXXX. There was no reply. We reported this to our bank, Wells Fargo, and they could not contact or retrieve the money back. We concluded we were defrauded by {$4100.00}, inclusive of wire fees with added stress to me and my child while simply trying in good faith to prepare for her internship in XXXX. We hope this will help prevent this happening to others in the future.

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 2021-08-15
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: Investigation took more than 30 days

Complaint:
The first set of dispute letters were sent in on XX/XX/2021. It has been more than 30 days and no response. I have reopened the investigation and submitted the letters again.

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