BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
According to Discover Card, a authorized electronic consumer credit card transaction was done via online using their digital application/contract in my name XXXX, XXXX. I received several monthly statement requesting payment of account with the alleged debt of {$320.00} and it's due balance which I offered to perform in good faith to settle upon the condition that Discover Card provided me all the necessary proof of evidence pursuant the Fair Debt Collection Practices Act, 15USC 1692g which I listed in requests documents numbered below 1. Debt Collector Disclosure which they did not provide with their letter of response.

2. Affidavit Of Debt Validation which they did not provide with their letter of response.
3. To Cease And Desist which they ignored. Pursuant the Fair Debt Collection Practices Act, 15USC 1692c ( c ) I have given First Discover Card multiple default and opportunity cure the issue at hand by sending all my affidavits certified mail and they have yet to respond to me with the requested information.

An Affidavit unrebutted stands as Truth.

According to, United States v. his, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 1982 ] Allegations in Affidavit in support of motion must be considered as True in absence of counter-
affidavit ''. [ Group v Finletter,108 F. Supp. 327 Federal case of Group v Finleter, 108 F. Supp. 327 ] An affidavit uncontested unrequited unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''. 

I have also provided Discover Card several exhibits disclosing all their violations of my consumer rights pursuant the FDCPA, FCRA and I also provided them with a detailed invoice. 15 U.S. Code 1692k ( A-A -E ) - Civil liability Also requested Discover Card to provide GAAP , Generally Accepted Accounting Principles is the accounting standard adopted by the U.S. Securities and Exchange Commission .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Services has repeatedly made account errors on my loan files. I have 4 loans at Rushmore Loan Management Services ( https : //www.rushmorelm.com/ ). I am NOT able to access any of my loan data using their on line system. Each and every time I MUST call in, spend 1 or more hours on the phone to deal with their offshore " support team ''. These people are not well trained and the impact is often times I need to call back in to get the critical information I need in order to manage my accounts.

Just last week Rushmore made a substantial miscalculation to one of my loan accounts which caused my payment to increase {$330.00} per month! This is financially impactful and an error not caused by me. THEY must make this right!! 

I wish my broker NEVER referred these loans to Rushmore and I will be contacting the lender to have these loans moved to another processing company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, looking on to my credit report using XXXX  XXXX XXXX, I noticed there was a charge from LJ ross associates for the amount of {$2400.00}. This was opened fraudulently, and placed on my credit XX/XX/2019. On XX/XX/XXXX i sent a letter to LJ ross indicating i never open an account with them or any company name XXXX. I also spoke with a representative from LJ ross, on XX/XX/2019 regarding these matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: WA
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 had disputed discrepancies and Inaccurate information on a charge off account with XXXX. XXXX  stated it was verified but the inaccuracies and discrepancies still on my XXXX  and Equifax. XXXX  shows : Acct # XXXX Opened XXXX XXXX Original Amount {$3200.00}, status date XX/XX/XXXX, payment status charged off it does not state how much was charged off, balance {$17000.00} is incorrect, terms 37 months, individual acct, it does not state last day of activity. My Equifax shows : Account XXXX date opened XX/XX/XXXX delinquency first reported XX/XX/XXXX, date of last payment XX/XX/XXXX, XX/XX/XXXX account status charge off, Individual acct. terms frequency monthly, term 39 months or different, original balance was {$3200.00} charged off {$2400.00} states Balance is {$13000.00}. it does not state last day of activity which is the FCRA states that all credit information she report accurate with no discrepancies and consistent on my credit report. these are reporting inaccurate with discripancies which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo Bank is once again comingling the order of checks, ACHS, Debit card purchases, in order to charge exorbitant fees. Every week for the last month wells Fargo has charged me 3 over draft fees. At the rate of XXXX each, wells Fargo has made XXXX a week off of my account and done this 4 times in the last month. 

I have personally seen funds on hold for payment and within a day those funds are not showing in the account and the next day everything goes through the account and I am charged all of these fees.

Enough is enough! When will you do something about their criminal activities??

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 2022-10-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is currently serviced by XXXX mortgage. It is zoned a commercial property but has a residential loan attached to it. I have approached XXXX to correct this matter on may occasions. XXXX has advised that I have to complete an online form to proceed, however they have failed allow me into the portal. XXXX is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB XXXX. The rules listed below clarify the obligations of XXXX. 

XXXX Loss mitigation procedures. 

CFPB Rule 41 ( b ) ( 1 ) A servicer has flexibility to establish its own application requirements and to decide the type and amount of information it will require from borrowers applying for loss mitigation options. In the course of gathering documents and information from a borrower to complete a loss mitigation application, a servicer may stop collecting documents and information for a particular loss mitigation option after receiving information confirming that, pursuant to any requirements established by the owner or assignee of the borrower & # XXXX ; XXXX mortgage loan, the borrower is ineligible for that option. A servicer may not stop collecting documents and information for any loss mitigation option based solely upon the borrower & # XXXX ; XXXX stated preference but may stop collecting documents and information for any loss mitigation option based on the borrower 's stated preference in conjunction with other information, as prescribed by any requirements established by the owner or assignee. A servicer must continue to exercise reasonable diligence to obtain documents and information from the borrower that the servicer requires to evaluate the borrower as to all other loss mitigation options available to the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Went to XXXX XXXX app and website to make payments, was told that payment and autoenroll of 50 $ a month would be taken out regularly to pay off student loans. Only to find out months later that their must of been a technical issue or error with the payment going through. I had left outside of the country before I could realize this issue and did not notice it until I had returned months later, only to find out that there were 90 days past due of payments! I quickly payed the {$250.00} of the missed payments immediately but still have the late payments on my credit report even though it was through their app AND WEBSITE that the error occured!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: WELLS FARGO & COMPANY
State: MA
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:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

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 2022-10-13
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:
I was a young kid and didnt know about credit or monitor it like i should have. Now that I am older i realize that my identity was used and I do not understand how people were able to open accounts without me knowing. Im still learning how credit works. I have fraud accounts from XXXX XXXX XXXX XXXX XXXX XXXX. I also have a bunch of inquiries that I did not authorize.

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 2019-02-13
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I went into my local Check into Cash on XX/XX/19 to pay back an existing payday loan and re-loan for the same amount as I have done in the past every 2 weeks. Each time I go they force me to sign paperwork stating I agree to have check into cash run my credit to see if I am eligible for additional products they may offer. Each time I tell them that I do not want additional products and services they offer and that I just want to continue with the existing payday loan they tell me I can not re-loan unless I sign that line, removing my ability to opt out. The company has posted 4 hard inquiries on my credit report for no reason and will not give an explaination as to why the inquiries are necessary. The hard inquiries are hurting my credit report and effecting my credit rebuilding process negatively. I am not applying for additional services nor have I inquired about them but instead am being forced to have hard inquiries posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: IL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX ; I live at XXXX XXXX XXXX, XXXX ca XXXX I currently have a mortgage loan with Mr Cooper DBA Nation star. The purpose of my complaint today is to ask for your  help, I have been making payments on my mortgage, I fell behind one month only in XXXX, I called and advised the agent that I had payments scheduled, for that Friday, I dont recall the date, the agent advised me that yes he saw the payment, he then asked me if I wanted a payment plan, I asked what it was he explained it, he placed me on hold and I hung the phone up. The following day, there was a 4 month payment plan on my account mind you I was only 1 month behind. The plan didnt allow me to edit change it, it basically set in stone and I didnt sign anything or agree to increase my payment by XXXX for a 4 month payment plan. I was forced to pay 1st payment although I couldnt afford it, I called back and told them I cant do this pay plan they them blocked my account to a read only status. I started paying my regular payment which is XXXX ; this company placed them in an unapplied status meaning now they wont apply it to my account. I asked why they were doing this I was told I asked for a forbearance I advised them I didnt ask for a forebearance and I do not know what this was, they explained its when you cant pay the account and they suspend payments. I advised them I didnt ask for this. They refused to take me off this and refused to apply my payments, I then XXXX XXXX the payment so they would hit my account, those payments were applied, and I was then told the following : On XX/XX/19 I was told I owed XXXX On XX/XX/19- I was told I owed XXXX On XX/XX/19- I was told I owed XXXX When I called no one could explain why I owed this money this was on XX/XX/XXXX, on XX/XX/XXXX, I was told my payments were reversed I asked why when they were XXXX XXXX I was told the following from multiple people : 1. You didnt pay it 2. The XXXX XXXX  was reversed back to XXXX XXXX, I asked when they said they didnt know 3. I was told I didnt pay XXXX although they it says XXXX was paid 4. I was told this billing is confusing I cant explain why it says this 5. I was told I need to talk to someone else 6. I was told that my payments were returned 7. I was told the money is sitting in unapplied At the end of the day I paid this account, I wasnt behind this far until the agent deleted my scheduled payment blocked me out of my account and now are not applying my money to make me fall behind. I do not know what else to do seeing their agents dont know what to do or say. I really need help this has to be illegal. 

They are also double billing me for inspection fees, they never advised me of this they are also billing for XXXX saying its inspecting fees, calls paper work and atty, again never advised me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It appears that Mr. Cooper is in violation of California 's XXXX XXXX of Rights. A Request for Mortgage Assistance ( modification application ) was submitted XX/XX/XXXX. A " Single Point of Contact '' was assigned on XX/XX/XXXX. We followed up with Mr. Cooper on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for an update on the request. The assigned SPOC was never available. We always spoke to a " SPOC department representative ''. The SPOC department representatives ALWAYS provided conflicting information on the status of the application, on multiple occasions asking for the same documents that were faxed multiple times, clearly violating the sole purpose of the regulation to assign a Single Point of Contact. One of the SPOC department representatives advised us that their " processing department '' evaluates everything submitted to determine if it's complete, not their SPOC department. That SPOC department representative took the time to review everything submitted and confirmed that the requests to re-submit documents ( that were already submitted ) was not valid, and proceeded to submit a dispute to that department. Thank God that the loan is current, otherwise, wrongful foreclosure is imminent in this pattern of practice of negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-11-11
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was removed off my credit report keeps getting added back on also reporting wrong information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Square Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been docked {$2000.00} from my Cash.App ( Square ) account due to a " reversal '' of a refund that I was granted. I had about {$400.00} in the account as this happened and it is now at a negative {$1600.00}. This has caused me to lose more money and threaten my credit due to missing automatic payments tied to my Cash.App card that were rejected and put in arrears. 

Initially, I was grossly overcharged by a bar that I used my Cash.App card, the transaction was supposed to be {$20.00}, but the bar charged me {$2000.00}, then contacted me a few hours after I left and told me about the " accident '' and told me that they are immediately putting in a refund request with whoever processes the payments ( I have proof of the actual refund ticket from the business ). This transaction occurred on XX/XX/XXXX, and the refund occurred on XX/XX/XXXX. and I was eventually refunded. 

A month later on XX/XX/XXXX, unbeknownst to me ( and not shown in my cash.app transactions activity ), the company that I was wrongfully charged by supposedly disputed the refund that I was granted. Then, on XX/XX/XXXX, the disputed refund was overturned, and my account was docked {$2000.00} again. Once again, I was not contacted or informed by Cash.App that there was even a dispute on the transaction, nor was it anywhere that was easy for me to access! In fact, I had to contact Cash.App over 10 times before I could even get proof that this even occurred! Then, I asked repeatedly for over 2-3 weeks for more information, and who is responsible for settling the payments between the two since both Cash. App and the company refuse to answer the most simple questions I have so I can figure what is going on. 

I have documents from both parties that prove that there is some questionable practices happening on both sides. 
A month later on XX/XX/XXXX, unbeknownst to me ( and not shown in my cash.app transactions activity ), the company that I was wrongfully charged by supposedly disputed the refund that I was granted. Then, on XX/XX/XXXX, the disputed refund was overturned, and my account was docked {$2000.00} again. Once again, I was not contacted or informed by Cash.App that there was even a dispute on the transaction, nor was it anywhere that was easy for me to access! In fact, I had to contact Cash.App over 10 times before I could even get proof that this even occurred! Then, I asked repeatedly for over 2-3 weeks for more information, and who is responsible for settling the payments between the two since both Cash. App and the company refuse to answer the most simple questions I have so I can figure what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any  discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Special loan service company, will not let us pay mortgage payments on line since we are on bankruptcy, only on phone and wants to charge us {$10.00} for making the payment. My understanding is that they cant charge people in bankruptcy fees.

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 2019-10-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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