BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Despite me repeatedly telling XXXX XXXX AND RUSHMORE that I do not live at XXXX XXXX XXXX XXXX NY but I do have an interest in the home and I am responsible for the mortgage giving them ALL proof that I have not lived there since XX/XX/2003 That I remarried and that is where my ex wife and children live they continue to proceed with an illegal foreclosure by giving me ABSOLUTELY NO NOTIFICATION of what was transpiring NO NOTIFICATION OF COURT DATES NO NOTIFICATION OF OPTIONS AVAILABLE XXXX XXXX XXXX XXXX even has other addresses where i lived in their files yet in order to move forward and illegally foreclose they keep sending everything to the XXXX address Even after I did find out about the foreclosure and told them in COURT MY ADDRESS HAS NOT BEEN XXXX XXXX they ALL CONTINUE TO SEND ME NO INFORMATION EVERYTHING STILL GOES TO XXXX XXXX XXXX XXXX NY The banks Attorney committed fraud upon the court by affirming that they served me The servicer and bank committed fraud upon the court stating they have the note when the banks other Attorney clearly states they do not have the note. I have repeatedly requested what was paid what is owed I get NOTHING yet they want to foreclose they told me on the phone you had 6 years to fix this you havent I could not fix a problem I WAS UNAWARE EXISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Account information incorrect

Complaint:
For the last couple of months I have been sending letters to the credit bureaus about inaccurate, duplicate and reporting accounts in my credit reports that is in violation of the law, but the credit bureaus keeps reporting them without any further investigations. I need your help on this matter. Thanks

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 2021-12-29
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage from XXXX XXXX in the amount of XXXX on a propert valued at XXXX which was appraised by XXXX knows properties, an affiliate of XXXX XXXX, in XXXX of 2020. It was then transfer to specialized Loan Servicing. I contacted specialized Loan Servicing to find out why I was being charged pmi when my loan to value was only 35 %. They told me they would send me a letter that would explain the pmi and how to remove it and it would take about a month to receive. I never received the letter so I called them back after about 3 months. They proceeded to tell me that the reason they denied the removal of the pmi was that my loan to value was 92 % even though according to their own appraisal it was much lower than that. I asked the person how to fix it and he said he would send me a letter explaining how to get the PMI removed which of course will never get sent out or will be denied just like the last time they supposedly sent out a letter.

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 2020-07-25
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
WE WERE GIVING NO CHOICE BY WELLS ON WHAT CREDIT REPORTING AGENCY TO PULL, THEY FORCED US ON XXXX  WHICH IS THE WORST OF ALL, THEY ARE IN COLLUSSION TOGETHER AND BREAKING DODD FRAN ACT. REMOVE ALL HARD PULLS FROM XXXX  OR FACE CLASS ACTION LITIGATION.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To CFPB, I have received a copy of my credit report with the intentions of trying to improve my credit and take care of responsibilities and notice a few counts that I wanted a little more explanation on. I'm not saying the reporting is right or wrong I'm just saying I am not 100 % sure if they are also reading something called The Fair credit reporting act where it says by Constitution I have the rights to challenge anything. Also I am not sure if any accounts are accurate some the reporting things on me I have never heard of which made me contact you. I have different reports from TransUnion, XXXX an XXXX XXXX XXXX that are not reporting as the same information. 2 collection that I never got debt validation. Also removal of disputes under 612 - 15 U.S.C. 1681j consumer under that section after the 30-day period beginning on the date of notification of the consumer under paragraph ( 6 ) or ( 8 ) of section 611 ( a ) [ 1681i ] with respect to the reinvestigation, which charge ( i ) ( ii ) shall not exceed the charge that the agency would impose on each designated recipient for a consumer report ; and shall be indicated to the consumer before furnishing such information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: CITIBANK, N.A.
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened an AAdvantage credit card with CitiBank a few months ago around XX/XX/XXXX, for the sign up bonus. Today, XX/XX/XXXX, I was {$500.00} away from reaching the sign up bonus. When I looked this morning, prior to making this purchase, my account was open. Fine. I saw no warning. I had also just made a nearly {$1000.00} payment on my card that posted on the day this happened. Then, I pay for something that would put my over the line, and the purchase is declined. My account is closed. 

It seems almost intentional that they close my account on the same day that they receive nearly {$1000.00} from me AND on the purchase I make that would finally put me over the line for receiving that sign up bonus. It feels malicious in intent - they take money I need and then close my account RIGHT before I get any of the benefits but after I owe them enough to get there. 

People will be hearing about this.

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 2020-08-13
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a XXXX  account. I never had one. I do not know how this happened or why? I did not or have not applied for a XXXX credit card. 

I received a letter from Dynamic Recovery Solutions Reference number XXXX Claiming I owe {$230.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: LA
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 PULLED MY CREDIT AND THIS COLLECTION WAS ON IT. THE COMPANY NEVER SENT ME ANYTHING BY MAIL, EMAIL OR ECT. TO GIVE ME A CHANCE TO VERIFY ( CHALLENGE ) THE DEBT WAS EVEN VALID.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2019-08-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I made a XXXX transaction through my bank to purchase broadway tickets. I was communicating with the person and once I sent the funds I never heard from them again. I initially sent a {$1.00} and the {$140.00}. Navy Federal returned {$1.00} but not {$140.00} staying they could not track the transaction. XXXX states that since the transaction did not happen through them they could not do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: VA
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:
I paid XXXX XXXX XXXX XXXX when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX financial then became XXXX who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for XXXX and XXXX XXXX for my information/identity leak. I worked for XXXX and was an 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Student loans are considered " education records '' under FERPA. This means that they are protected by the privacy provisions of FERPA.

FERPA generally prohibits the release of education records without the student 's written consent.

The federal government guarantees most student loans. This means that the government will repay the loans if the student defaults. Therefore, there is no need for private credit reporting agencies to have this information on their credit reports. 

Reporting student loans on credit reports can have a negative impact on students ' credit scores. This can make it more difficult for students to qualify for loans and other forms of credit.

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 2022-12-21
Company: EQUIFAX, 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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: ALLY FINANCIAL INC.
State: OH
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:
XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable XXXX help XXXX these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I lost my debit card and disputed four recent transactions but one of those transactions was my rent. A day later on XX/XX/XXXX I called to ask them to cancel the claim. They said they didnt reach out to the merchant supposedly. I thought everything was stopped before it went through. A week later around XX/XX/XXXX The property management said the transaction was reversed. I called the bank and the bank said that they will release the funds back so now were pushing on XX/XX/XXXX and the property management still havent received it and we was told visa reached out to them for information. The apartment isnt in my name my its in my wifes. Chase told me they will have to sign some papers to verify with visa that I authorized payment and it can take up to 45days. Fast forward its XX/XX/XXXX and the property management still havent received the rent for this month. Im being charged late fees and chase is not disputing the transactions and know that Ive called over 10tens trying to resolve the problem they didnt even offer to help pay late fees now Im on the edge of eviction. Its XXXX dollars gone out my account I cant just get another XXXX to pay rent now its XXXX and chase is not helping me at all. They keep saying they received the money but the property management said nothing is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent a letter out on XXXX XX/XX/2023 and on XX/XX/2023 to XXXX, Transunion and XXXX. Here is my tracking number most recent track # XXXX XXXX track # XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. Everytime i call they tell me can't find my paperwork. This is not making any sense. 

According to the law 15 U.S.C. Code 1681 ( i ) - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-02-05
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX was sold to Navient and are reported the same old loans multiple times on all three credit bureaus XXXX, XXXX XXXX, XXXX as open. There is currently a legal action taken for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$78.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXXXXXX date Opened : XX/XX/XXXX Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have federal loans serviced by American education Services. I recently did an audit of ALL my student loans and came across 2 loans that are not mine. The disbursement dates were XX/XX/XXXX, which is impossible since I graduated in XX/XX/XXXX. 

In XX/XX/XXXX, I requested documentation for these specific loans and all I received was my original consolidation application which was date stamped XX/XX/XXXX. These questionable loans are not on that application. I called AES every month to send me the documentation. I talked to supervisors and their supervisors ... no one could give me any good information. They sent me that same documentation 8 times! Finally, in XX/XX/XXXX one customer service representative told me to write a letter contesting the loans. So, I did and I did not receive one piece of mail or phone call associated with that letter. So, I continued to call and badger them until FINALLY some one with a brain told me I had to file FRAUD paper work. I received that FRAUD packet in XX/XX/XXXX. 

To be in compliance with their Fraud procedures ... I was required to send a copy of my passport, SS card, driver 's license, and two other documents that had my signature on them. I also had to file a police report and include it in my packet. Plus, I had to fill out the 5 page  application on where I was living, who I was banking with at the time of the fraud. And get 3 of the pages notarized ( including a page of just my signatures ). It was an extensive process. 

In the instructions of the application it states that AES has 15 days to conduct the investigation. Well, after 15 business days I called to discuss the status of the application and they told me they have until XX/XX/XXXX to finish their investigation. Mean while, they put ALL my federal loans in Forbearance. That is not what I wanted at all! Only two of the loans are in question and I do not want my balances to accumulate interest. 

When I called to take my loans out of Forbearance. I was told to leave a message. And of course I did not receive a return phone call. This company is beyond IMCOMPETANT. I want these fake loans off my account and off my credit report since I have been paying for them since XX/XX/XXXX and they can not come up with any evidence that they are mine. I keep asking them ... how did I take out federal loans if I was not in school? This case needs to be escalated and they need to be accountable for their sloppy document control, bad customer service, and maybe even fraud.

Company response to consumer: Closed with explanation