BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: MidAmerica Mortgage Inc
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to Mid-america mortgage when I learned that my tenant would be moving out of my house in XXXX XXXX. I had a buyer contact me and started lining up a short sale with mid-america mortgage starting the end of XXXX. Mid-America completely botched the short sale twice. The first time they weren't sending the right documents to the buyer and title company, the second time they raised their expected revenue by $ XXXX on closing day and the buyer walked away. This company has been deceptively slow in transactions and responding to me, and when they acquired my XXXX loan back in XXXX of XXXX, I was not able to make a payment for almost 5 months, even when I phoned nobody would take a payment. I fell behind, hence the loss mitigation and trying to get rid of the house versus getting caught up which I can not afford to do, nor can I afford the $ XXXX maintenance on the property, which magically the Mid America Appraiser ignored compared to two other appraisal performed on the property. I believe Mid America is acting in poor faith and is negligent since last XXXX in regards to the servicing of the house and property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. During the second short sale attempt, they constantly misplaced documents that the buyer or myself had to constantly resend them. They originally asked for $ XXXX in revenue and bumped it up on closing day and my buyer walked away. I believe this is a tactic for them to be able to report a higher debt on a deed in lieu of or other public record against me, even though the property was XXXX through a chapter XXXX bankruptcy. I fought to get a buyer to benefit them and they blew that back in my face. They are already netting my Va Loan guaranty and there should have been no reason for them to come back and ask for more money. Now, they have sat on a deed in lieu of application for two weeks with no movement, and just keep " notating '' the account and telling me someone will contact me. Nobody from Mid-America has ever contacted me. This house and this company are adding unnecessary stress to a permanently XXXX combat veteran. I feel like this is the time to have the company have external pressure applied to protect my mental health and to do their job in a timely manner and to prevent them from somehow attacking me on the backend.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX, I contacted American Express Delta Skymiles gold card to cancel the credit card that I have never used or never opened. I have other American Express cards but never opened this account. 

On my statement in XX/XX/2020 there was a {$95.00} annual membership fee. I explained the situation to the agent and told her I have never used the card, opened the card and felt like I should not have to pay a XXXX annual fee. She said that she would cancel the card and waive the fee. A few weeks later, I received another statement and the fee was still showing as due. I called again. The second rep told me the card had not been cancelled and did not see any notes about the fee being waived. I requested the card to be cancelled again and the {$95.00} fee waived. This agent said the card would be cancelled and would waive the fee. 

Fast forward to today, XX/XX/XXXX, I received another statement from American Express Delta Skymiles card, with the fee of {$95.00} on it. There is a note on the statement that the account was cancelled at your request. I have not been receiving statements from them since XXXX so I am not sure why am still receiving this bill when I was told twice the fee would be removed/waived. 

When I spoke to the rep on XX/XX/XXXX, she would not waive the fee stating it was outside their 30-day policy. This is not right and should be investigated as a fraud. I never opened the account in the first place, never used the card, and should not have to pay their XXXX annual fee. Can you please investigate this matter as I have tried to resolve on three different occasions?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : XXXX XXXX credit score Fair Credit Reporting Act violations Date : XX/XX/XXXX Item Disputed Account name - XXXXXXXX XXXX Account number - XXXX Explanation of why you believe the information is inaccurate History reporting as a new chargeoff even though the account was charged off *6 years* ago Additional comments Equifax Every time I dispute this account my score drops when they update the descriptors/history. XX/XX/XXXX dropped XXXX points ( see attached supporting documentation ). So I disputed it again that the history wasnt being reported correctly - then that dispute resulted this dropping my score another XXXX pts on XX/XX/XXXX, because they reported it as a new chargeoff again ( see attached supporting documentation ). This is for an account that was charged off 6 YEARS AGO! A *9 year old* account that was charged off *6 years ago* should not be dropping my score anymore. Im so tired of this fraudulent account that isnt even mine. 

Theres even a 90-day late reported XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached supporting documentation )! An account that was charged off in XX/XX/XXXX should not be reporting any new 30/60/90-day lates in XXXX. Nothing new should be reported after an account is charged off. This is an egregious Fair Credit Reporting Act violation. 

Derogatory marks are supposed to have less of an effect over time, but the way this account is being reported, the opposite is happening. This is a Fair Credit Reporting Act violation! Because of these Fair Credit Reporting Act violations Ive been denied credit numerous times because of these violations! 

Fix this reporting error so my credit profile is accurate and my score is corrected. This is the only negative item on my report all of my other dozens of accounts are pristine. DELETE THIS ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Rocket Mortgage, LLC
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted are listed in the report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete items as soon as possible Fraudulent Inquiries : Inquiry Name : Truist Inquiry Open Date : XX/XX/2023 Inquiry Name : XXXX XXXX Open Date : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Mercedes Benz Financial Services
State: MD
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 a victim of identity theft. My personal information was used to obtain credit without my knowledge. I notified all three bureaus in writing via USPS priority mail several times in XX/XX/XXXX. Both the inaccurate addresses, as well as fraudulent accounts still show on my profiles. My rights have been violated as a consumer and I am requesting legal action to remove those accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Navient Solutions, LLC.
State: NJ
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:
Complaint about Navient. After finishing my PhD in XXXX, I entered repayment of my federal student loans this fall. Since I entered repayment, Navient has been unable to tell me how much my monthly payment are from month to month. Moreover, their online system changes the amount I owe day to day. It has also been incredibly difficult to sign up for autopay. Their customer service representatives are entirely uninformed. My payment is due on the XXXX of the month. Because the amount fluctuates on their online system, I have taken to log-ing in on the XXXX to see what I owe in the hopes that since it 's the due date, it will give me the correct amount. However, for the past several months, I have paid, on-time, the amount the system says I owe, only to receive an email the next day saying that I missed a portion of my payment. But if the system ca n't even tell me what I owe and how to pay it, then how can I miss a payment? I have spoke to a representative every single month. They tell me they have it sorted out and tell me what to do the following month. But when I do what they say, is still is n't right! I still have no idea what I owe and how to pay it! And when I pay what I think I owe, based on what their online system says, the next day I find out it was wrong and that the system says I have a past due amount and that I 'm a delinquent repayer!!!! I am just so frustrated. I am doing my best to pay my loans back on-time. I have a job, a good income, and a PhD. I can pay my monthly loan payment -- I just need to know what it is and know how to pay it on Navient 's terrible terrible website. If I ca n't sort it out, then I can only imagine that other folks are having an even harder time. Please do something about Navient. Before the restructuring of the student loan industry, I used to pay my loans to XXXX XXXX? In any case, the system they used then was more straightforward. I never had the problems I am having now -- which also includes an inability to change my repayment plan. It wo n't let me select the plan I want, but rather ushers me into specific options. Despite doing my absolute best to pay my loans on time, every month, Navient seems structurally organized to confuse and disorder the payback process. Either from ignorance or from willful dishonest practices, they have acted in ways that make me concerned about their ability to handle my federal student loan and that make me worried that they are intentionally trying to mess up my payments so that they appear late each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-28
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a new complaint, company again has separate violation. Please send to the company for explanation as the company REFUSED certified mail leaving me unable to communicate with them regarding the debt. I have asked for validation in writing and for written validation to be sent to me. Repeatedly have requested debt validation from company that meets the requirements of the FDCPA. Company has FAILED to provide requested information. Certified mail was REFUSED and returned to sender on XX/XX/XXXX. Letter refused requested in plain language what the debt is for, how the debt was calculated, a complete payment history, information from the original creditor if different from Vance and Huffman.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a response from you CFPB in reference to my last complaint against Transunion that the company needs more time to respond to my request. I am beyond appalled that you would even allow this response when the complaint filed showed proof that Transunion had already violated my rights under the FCRA section 611. My request was sent on XX/XX/2020 with no response or resolution by the 15 allotted days. How could they be allowed more time to be in violation of the law? I am now seeking legal counsel for your company allowing credit reporting agencies to knowingly and willingly violate consumer protection laws.

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 2023-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Equifax, I am writing to dispute a medical collection that appears on my credit report. The collection in question is XXXX XXXX XXXX, and the amount is {$830.00}. Account number is XXXX. 

I am disputing this collection because it is in violation of several consumer laws and federal laws. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and complete credit reports. However, in this case, the collection agency has not provided sufficient documentation to prove that the debt is valid. 

Furthermore, the collection agency may have violated the Fair Debt Collection Practices Act ( FDCPA ) by not following proper protocol when attempting to collect the debt. Specifically, they may have engaged in harassing or abusive behavior, or used deceptive tactics to pressure me into paying the debt. 

Finally, the medical collection may be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). This law requires healthcare providers to keep patient information confidential, and to obtain written consent before sharing patient information with third parties. If the collection agency obtained my medical information without my consent, they may have violated HIPAA. 

I am requesting that you remove this collection from my credit report immediately. If you are unable to do so, please provide me with detailed information about the debt, including the name and address of the original creditor, the date the debt was incurred, and any other relevant information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was already paid by the insurance company. I was applying for a credit card and the credit line was declined due to the negative factor on my credit report. 
This is how appears on the XXXX credit report. 
" Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/2019 Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: MS
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 the accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account Name : 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 Section XXXX A States I have the right to privacy. 
XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account with my written instrutions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
THERE IS A REPORTED ABUSED ACCOUNT ON MY CHEXSYSTEMS WITH A STRANGE NAME AND ADDRESS.I HAVE CALLED SEVERAL TIMES FOR CHEXSYSTEMS TO DELETE THEY STUBORNELY NEVER DID CHEXSYSTEMS HAS VIOLATED MY CONSUMERS RIGHTS IN EVERYWAY

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 2020-07-17
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, I contacted XXXX XXXX via an online chat message. I asked them how I could start cellular service with them. They mailed me two new SIM cards, that ultimately didn't work for me, so I NEVER signed up for service with XXXX XXXX, and per them, I disposed of the useless SIM cards. 2 months later, I began to get bills from XXXX XXXX all day long. After about 1 week 's worth of calling there and being bounced between customer service and the fraud department, XXXX XXXX was able to verify that I had NEVER used their service, and they sent me an email stating that I didn't owe them any money and that the matter was closed. Two weeks later, I am getting a bill from a collections agency called AFNI for an amount of {$230.00}? That wasn't even the amount that they said that I owed. I have an email from XXXX XXXX which confirms this. How can I get these people to STOP calling me about a debt that isn't even mine? Now, the debt collection agency tells me that I have to file a police report? A police report for what? Not taking XXXX XXXX service? Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the fair credit reporting act XXXX  account number # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602. States I have the right to privacy. 15 U.S.C 1681 Section 605 A Section 2 : it also states a consumer reporting agency can not furnished a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2023, I had several fraudulent charges made on my account. Wells Fargo reversed these and sent me a new card. I have had possession of my card since XXXX. 

On XXXX, a cash advance was made from my credit card for {$3500.00}, and a fee of {$170.00} was charged. 
on XXXX, another cash advance for {$700.00} was made from my credit card, and a fee of {$35.00} was charged. 

On XXXX, I called in and noted the fraudulent charges. Wells Fargo had me change my online password and closed the account that the cash was advanced into ( and transferred out of without my consent or knowledge ) I was told something would be done and investigation would be completed. After several weeks, I called back in and was told these were " authorized '' transactions. This is a lie, as I did not make or authorize these cash advances. Wells Fargo refuses to put this in writing. 

on XXXX, I was charged another XXXX in " cash advance fees '' and another {$200.00} in interest fees. 

I can not get rid of these cash advance fees until my entire card balance has been paid off. I have never used a cash advance, and never intend to, as the fees are absolutely outrageous

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