BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}

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 2019-02-09
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I make payments that cover my accrued interest plus some. I just noticed on my statements that Navient says I accrued over {$1000.00} in interest in five days two times in XX/XX/2018. There could be more, I have not gone through all of it. I keep track of my payments and accrued interest on my own spreadsheet and have asked them to explain and provide documents to show how that much interest accrued in five days. Nothing yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
This is not accurate. 
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 2023-08-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Rushmore along with XXXX XXXX XXXXXXXX is serving as trustee for XXXX XXXX XXXX XXXX XXXX XXXX is attempting foreclosure on my property with unclean hands and fraudulent assignments that dates by as from mid XXXX XXXX XXXX is well known ROBO signer signed the assignment as an attorney in fact dating XXXX fraudulently conveyed the first assignment. The assignment was created after the cut off date of the first trust filed with United States securities exchange. The polling and service agreements section 201 clearly states that all mortgages had to conveyed 90 days prior to the cut off date. Some of these assignments are fraudulent ( XXXX XXXX ) and fraud cant be the basis for obtaining a deed. The ROBO SIGNER XXXX XXXX was apart of both Federal and State Court cases. You can google her name and see the fraud her signature was involved in. The Vice President that signed are not bank presidents. They are simply ROBO signers. I sent a XXXX XX/XX/XXXX and they havent responded. I sent a notice of default and I havent received a response. I requested the reinstatement amount to become current. It was sent to me but the figures were acknowledged by Rushmore to be incorrect. There were fees that were paid on XX/XX/XXXX. Any time a loan is reinstated all fees must be paid in full. I asked that the fees be corrected so i could have to correct amount to send them. I was told they don't have time to make the correct adjustments before the foreclosure date. 
I was also told that even if i did submit a modification package, the investor would not accept it because i had a previous modification. In that last modification my payment went UP by over {$400.00} and my interest rate increase by XXXX XXXX. I was told take it or leave it. I thought a modification is supposed to help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with SANTANDER. Despite the multiple previous written requests, the SANTANDER still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2022-02-14
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am really appalled and disturbed by the actions of this company yesterday during their attempted collection call. I am wrote to notify them that their actions were detrimental to me and that their firm has made multiple violations of the Fair Debt Collection Practices Act. 

Please take note of the following violations that occurred yesterday XX/XX/2022 at XXXX. At the beginning of the call, I notified the representative XXXX XXXX that the time of the call was inconvenient to me since I was currently driving and running errands during my lunch hour. At this point the employee should have scheduled a more appropriate time for the call. The employee then became loud and aggressive, continuously cutting me off and being flat out disrespectful. He knew or should have known that the abusive and aggressive behaviors displayed toward me during the call were oppressive, inappropriate, and potentially damaging. During the call he told me that the case is in pre-something, and that if I did not pay during the call, I would be sued and my wages would be garnished. This is a blatant violation of my rights since the FDCPA states that you can not imply that non-payment will result in garnishment of my wages. The representative completely failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at the firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
Navient claims that I co-signed my son 's student loans for which I have no recollection. I asked them for proof and they sent me a copy of the contracts with my name typed on the co-borrower 's line with some numbers underneath it. I asked them how it was that my name appeared on the contracts. They told me that I signed electronically. I told them that I did not recall that so I needed some type of confirmation. They said that they don't have that information. As I continued explaining to them that I didn't believe I signed using an electronic signature, they then said I must have done it over the phone. With that response I requested confirmation since they record all calls but they said they don't have that either. In XXXX or XXXX when I first asked Sallie Mae ( the original holder of the loans ) how I became the co-signer, they told me that they used the first loan which I did co-sign and applied that information to the others. I told them at the time that I didn't think that was legal but their response to me was " Well, that's how they do it ''. In addition, some of these loans have no disbursement schedules to show that the school ever received the money, one has no borrower signature, and another has no co-borrower information at all. Plus, my son wasn't in school at the time they say he received one of these loans. We have tried reaching out to the school, XXXX XXXX XXXX, XXXX, to get more information but the school has been acquired by another institution. The acquiring school states that they are unable to furnish any information. Now, Navient wants to make some kind of deal with me to settle this debt, but before I agree to anything, I need to know that these loans are valid and that I actually co-signed for them. So far, they have given me three different explanations but no proof for any of them. I'm hoping that the CFPB can help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
I am frustrated by the Credit Bureaus actions or rather not taking actions in order to correct my Credit Report. The Credit Reporting Agencies haven't done anything despite the multiple written letters and complaints submitted to them. I had high hopes that the Credit Bureaus would be generous enough to give a portion of their time to investigate and verify whether the information being reported on my Credit are accurate. The last letter I sent to the Credit Bureaus was last XX/XX/XXXX containing the same appeal to remove the items which I believe were the results of the Theft of my Identity. In my Letters, I informed the Credit Bureaus regarding the theft of Identity and that the items I am disputing were the results of such crime. I have also emphasized the Fair Credit Reporting Act section 605b ( 15 U.S.C. 1681c-2 ) whereas the Credit Bureaus are required to remove any items not later than 4 business days after the receipt of the previous letter dated XX/XX/XXXX. I was expecting that the Credit Bureaus would inform me regarding my disputes by responding to my Letters but I received nothing. More than a month had passed and I am still waiting for their response but it seems that the Credit Bureaus are the best in stalling the removal of my disputed items by not responding to my letters. I am utterly disappointed that the Credit Bureaus are not taking this matter as serious as I am. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus of their responsibility to comply with the FCRA section 605b and remove the following items completely from my Credit File : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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  has violated my rights. Or the 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 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 or 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 2023-08-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 USC Ch. 116 : CORONAVIRUS ECONOMIC STABILIZATION ( CARES ACT ) Remove negative during natural disaster up till 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
After repeatedly writing to and chatting with Rushmore Loan Management Services in XXXX, ( XXXX ) XXXX, they responded to my request about an upcoming ( XXXX XX/XX/2023 ) transfer of my loan to Rushmore in Texas on XXXX and XXXX XX/XX/2023 to inform me that my concerns were " under review. '' On XXXX XXXX and again on XXXX XXXX, RLMS wrote to explain that " XXXX XXXX XXXX XXXX not in its individual capacity but solely as XXXX XXXX for the XXXX XXXX XXXX is the current owner of the loan. '' Four days later, I received an email from " XXXX '' informing me that they, not " XXXX XXXX XXXX XXXX not in its individual capacity but solely as Indenture Trustee for the XXXX XXXX '' now held my mortgage : " Previous Servicer : Rushmore Loan Management Services LLC '' " Old Loan Number Ending In : XXXX '' " New Rushmore Servicing Loan Number : XXXX '' " Property Address : XXXX XXXX, XXXX, CA, XXXX '' " Transfer Effective Date : XX/XX/2023 '' " Your AutoPay and Escrow account will automatically transfer to us from Rushmore Loan Management Services LLC. Please note that there may be a slight delay in drafting your first payment. This is normal and nothing to worry about. If there is an issue, we will contact you. '' That same day, according to my bank, Rushmore Loan Management Services LLC withdrew my regular mortgage payment -- four days after they wrote to inform me that they no longer owned my mortgage. 

" XX/XX/2023 RLMS ACH RLMS Idxxxxxxxxxx {$1100.00} '' Ten days later, " Rushmore Rushmore '' withdrew the same amount without explanation : " XX/XX/2023 RUSHMORE RUSHMORE XXXX {$1100.00} '' So, my mortgage payment was charged twice this month without my permission or even notice, and Rushmore Loan Management Services LLC made their withdraw several days after they wrote to explain they no longer serviced the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
During 2022, I inquired about rolling over my Retirement/IRA accounts to a different bank with my local Wells Fargo bank branch in XXXX, TX. The branch employees gave me some forms to sign for what they said was told was for my retirement rollover. When I was given my 1099-R forms for 2022, I discovered the Wells Fargo ran the transaction as a complete distribution instead of a rollover as I requested. This mistake by Wells Fargo is now causing me to owe a lot of money on my tax return for 2022 and is not what I requested the local branch to do with my retirement money. I am XXXX years old and Wells Fargo did not want to help me at their branch that was closing down, and they did not want to help me when I called their corporate offices to fix this horrible situation. The forms that I signed at my local branch were not explained to me when I signed them. If the Wells Fargo employees had done their job and properly explained the forms, I would not have signed them. I wanted a rollover and not a complete distribution, but Wells Fargo has refused to help me fix the problem.

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 2023-02-06
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-31
Company: Jon Barry and Associates, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received more than XXXX telephone calls from Paragon Revenue Group. Many have left automated voicemail. After sending dispute letter requesting proof which has not been provided, notifying them that I am only to contacted via USPS they called me, being very abusive threatened me with legal action and possible arrest. My granddaughter heard the conversation and has since had XXXX issues since. They have also put a negative mark on my credit report. All this after I have sent a dispute letter requesting proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}

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