BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: EQUIFAX, INC.
State: FL
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 have contacted these bureaus to remove these unauthorized inquiries that I don't recognize and I didn't authorize. They are not cooperating with me and the inquiries still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a Borrower Assistance Application onXX/XX/XXXX.. I also told my single point of contact ( POC ) that i meet the eligibility criteria for one of Keep Your Home California Programs ( MRAP - Mortgage Reinstatement Assistance Program ) and all I need from Rushmore was the mortgage statement and modification. Her response to me was " If you do not qualify for the modification, will they still help you to get current ''. It appeared to me that she already knew that they would not approve me for a modification and that they were just buying time as we got closer to the foreclosure date of XX/XX/XXXX. She then told me that i will know if my application is complete in three ( 3 ) weeks and at that time i will get a decision. Three weeks will be XX/XX/XXXX and only Two weeks away from the foreclosure date. If the decision is negative, i do not have enough time to appeal it before the foreclosure date. 
The staff at Rushmore ( POC 's and Supervisors ) are notorious for misguiding customers on the modification process. They play by the rules by their calendar and are eager to have your home go to foreclosure. 

They do not like to work with other mortgage assistance programs such as Keep Your Home California. 

Rushmore is violating my home owner bill of rights and i 'm kindly requesting you to look into this matter. 

Please look at complaints of several other unhappy customers : https : //www.checkbca.org/report/rushmore-loan-management-services-llc-100102203/XXXX XXXX XXXX XXXX XXXX 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 2018-03-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
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:
All three credit bureaus show that I have paid this loan late 6 times or more 30 days late or more. I have never paid this car loan 30 days late ( or longer ). I have called multiple times about my payments because I fell behind due to household expenses, but always paid before the 30 days. I was assured multiple times, by multiple reps in the call center, that since I was making the payment that day it would not be considered late. Go back and listen to the calls where your agents are telling their customers as long as you make the payments before 30 days it won't be reported late on your credit report. Again, I have never made payments 30 days late. It may have been day 28, but the call center said that was fine and would not be reported as late to the credit bureau.

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 2023-01-21
Company: EQUIFAX, INC.
State: IN
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 had just been informed that I have been a victim of an Equifax data breach. Plus I just just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
my complaints are against XXXX  capital one and credit one. they have refused to accept any type of payment because i tried out of my bank account which was registered with these companies and they will take payments from my account that are legitimate but then send the check back which cost me more money the take the money out a week late sending me into overdraft but then when you call them they say they don't even know if you have a bank account. then they call repeatedly saying that you are not making payments. plus my cards have been for about 3 years and i reported it as soon as i noticed them missing and was given the response of what business is it of ours because you owe us. and then they refused to close my account. now 4 years after they started reporting to the credit bureaus that i owe them XXXX when its on my reports that i owe them only XXXX but they want the money up front. this prevents me from getting a job because they constantly call and harass me. then when i call them to complain i get the response that its no concern of theirs. then they start putting negative reports on my credit report and putting me under collections. they always wait until after they cost me a job before they start with the calls and bills, but they leave me alone when i do have a job. so i am filing this report because i have tried to call them and report my cards missing, i have also tried filing reports but have been ignored. also when i try for a credit card im denied because of these claims. i also had XXXX  visa and master cards that were stolen about 6 years ago the same day i was pushed in front of and struck by a train. these cards were being used the whole time i was on deaths door stop. i had reported this to the credit bureaus once i was able to. i want all these negative and fraudulent reports off my credit report and my credit restored. this is the first time i am writing to you because i am getting sick of not being able to find or keep a job due to harassing constant calls about money i don't owe and then to have my credit score negatively affected due to the fraudulent reports also im tired of almost being hit by cars and losing my life to this XXXX  as well as being denied housing and other credit cards i have applied for and have been denied due to nonpayment of debts that i am not even aware of. also capital one and credit one say that after every 6 on time payments they increase the credit limit but for me they stopped after the third payment because they started callig all my payment methods fraud and claiming that they did not know if i even had a bank account the very same issue has arisen with finger hut and i want this stopped and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On or aroundXX/XX/XXXX, I had fell upon very hard times and took out a payday loan from XXXX XXXX. I was unable to repay the loan according to the original terms and called XXXX XXXX to try and work things out. They told me the terms were no negotiable and my account would continue to be charged astronomical interest fees on a daily basis and be turned over to collections. As I was on fmla medical leave at the time with only a small portion of my normal pay I was unable to meet their demands. Several months later I received a mulitude of threatening emails, text messages, and phone calls from Ad Astra Recovery Services threatening to sue if I did not pay not only the original amount borrowed from XXXX XXXX  but a few thousand dollars more in accrued interest and that they would keep charging my balance interest fees monthly until paid in full. I made arrangements to borrow money to pay off Ad Astra Recovery In Full in XX/XX/XXXX with a promise to pay in full for deleting their reporting to XXXX, XXXX, and XXXX ( Pay for deletion ). I went to their lawyers office on XXXX XXXX in XXXX XXXX  and paid the original loan and interest in full as well as the additional accrued interests and charges they collected from me to prevent being sued. They were suppose to remove the remarks and account from my credit report but have not done so despite multiple and repeated credit reporting disputes. This account on my credit has caused me great harm financially and hurt my ability to secure a mortgage loan. I want Ad Astra Recovery, a third party collection agency to remove this information from all three bureau credit files permanently. They did not hold up their end of the bargain and I paid them over {$5000.00} for a loan that was thousands less than owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Experian Information Solutions Inc.
State: NV
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:
Dear Experian, after trying to get this issue resolved with you fr over 3 years you have damaged my credit, i advised Experian that there was inaccurate information on this chapter XXXX causing the judge to dismissed. Experian relied on 3rd party information fromLEXISNEXIS. After years of disputing XXXX has agreed to remove form my credit bureaus. please see attached and removed from my credit file ASAP. i plan to seek legal advise for Experian damaging my credit for 3 years. PLEASE SEE ATTACHED REINVESTIGATION FROM 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 2018-10-07
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Flagstar Bank, N.A.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approved Trial Plan Agreement by mail dated XX/XX/2021, 1st payment due XX/XX/2021 amount {$830.00}. Received letter dated XX/XX/2021 Notice Of Default And Intent To Accelerate stating I am in default of my mortgage. Contacted Flagstar customer service XX/XX/2021 to discuss mail received I was informed by XXXX ID # XXXX Flagstar customer service my mortgage servicer XXXX XXXX sent the notice in error, I asked for a supervisor she ask me to hold and the call was disconnected. I call back and spoke with XXXX XXXX Flagstar customer service told him about the letters received and he said you are in default we sent the letter and I would continue to receive letters of default even though I am in a modification Trial. Again I ask for a supervisor and I was left on hold. 
Flagstar customer service is rude and unconcerned. They refuse to assist the customer with keeping their homes out of foreclosure

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 2019-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
CHASE BANK is violating my privacy preferences. I have opted out of prescreen offers of credit at all the credit bureaus. I have opted out of receiving marketing material from companies that I do not do business with. For companies that I do business with I have selected all opt-out choices they make available. Do Not EVERYTHING me. CHASE continually sends me endless marketing materials and offers that I do not want them to receive. This indicates CHASE is not abiding by my privacy preferences. I would like them to stop sending me mail whether or not they use my name or " Our Neighbor '' I do not want to receive mail from this company. They are not checking the FTC do not solicit list, they are not checking the DMA opt-out database and they are not checking the credit bureau pre-screen opt out database. I want mail from this company to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: DriveTime
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is a written notice to ceo XXXX XXXX, cfo XXXX XXXX XXXX, dba Drivetime that I am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents there of. I was not disclosed certain information about the finance charge which is fraud. I demand my information be deleted, all payments, and money be returned. I also demand the cancelation of this contract and obligations set off for these goods and my title be mailed to the address of XXXX XXXX in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hi I had make a complaint in XX/XX/2018, i apply for a private loan forgiviness from Navient company, for reason that this school had closed, and I would not be able to finish LVN program, i had to paid a loan for XXXX dollars and I need my money back, i do not get response last time that I make complaint.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am 120-150 days  past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2020-05-08
Company: Experian Information Solutions Inc.
State: AR
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 receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}

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 explanation
Consumer complaint received 2020-09-15
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried to use my XXXX  device to login to my cash app and I verified with SMS and Email upon login. Even though I did that I still could not make purchases or send ANY money from my new device although I was on my home network and I didn't purchase anything extremely out of the ordinary. So I try to send a friend XXXX $ and Cashapp ( Square Inc. ) asks that I send from my mobile device ( which I could not do which is why I was on my XXXX in the first place ). After this I was given no opportunity to verify myself further. I attempted to use  my card for a XXXX $ and XXXX $ dollar purchase at a local cookies store and they blocked this payment too even though I eat there regularly. Shortly after my purchase declined ( even though my balance was XXXX $ ). Then I receive an email telling me my account has been locked for my protection. This is not fair as I now can not spend my own money because Cashapp ( Square Inc. ) uses a bot to detect fraud not manual review. I have also searched for solutions from people who have experienced similar troubles with Cashapp and they all have said Cashapp has not helped them with the problem after MONTHS. I am not in a financial position to go back and forth with Cashapp 's bot support system for let alone one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Does the Experian staff actually read the letters I send, or do they just blindly crank-out response-letters that have absolutely nothing to do with the items in dispute? 

Does the staff have the required training & knowledge to understand and comply with both FCRA 611 ( 5 ) ( A ) ( i ) and FCRA 611 ( 6 ) ( B ) ( iii )? 

Or, are they just overloaded, underpaid and really don't give a rip?

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 2017-12-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I 've recently have had my wages XXXX. Apparently, after communicating with my employer, this XXXX has been on my file since XXXX. The collector is XXXX XXXX XXXX along with XXXX XXXX XXXX. Their number is XXXX. The attorney representing them is XXXX XXXX. His number is XXXX. After a brief investigation into the company, I 've discovered that they have had several lawsuits against them for violating several fair debt collection practices act. Here is one link from the Federal Trade Commision, https : XXXX. 

I 've received no information on the validity of this debt nor was I ever served or summon with papers. Today, on XX/XX/2017, I called XXXX XXXX XXXX to get more information on this matter and the authenticity of it. They claim it is a XXXX debt which I have no knowledge of. I believe I am a victim of fraud. They have fail to properly produce evidence of such debt to me, failed to send any form of summons to appear in court, and they fail to notify me in writing that it provided negative information to my credit report. 

Please help me rectify this matter. XXXX XXXX XXXX has a history of such wrong doings along with multiple law suits against them for consumer malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Southwest Credit Systems, L.P.
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:
Sw credit systems keep reporting when I let it be known I am in a XXXX XXXX situation and had to flee. 
XXXX XXXX XXXX XXXX is not honoring it either!! 
XXXX XXXX let him fraud my account by getting services turned on there after I left. 
XXXX XXXX is not honoring it either due to the fact it's stuck on my credit report and when I have it removed it goes back on there. 
XXXX, XXXX, XXXX have let her all pu I on here when I disputed on why iiti isjould be gone. No one honor the law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The company change my payment after refusing the modification in XX/XX/XXXX the equity loan original started with XXXX XXXX XXXX and then it was transferred to nationstar in XXXX. The original loan equity was in XXXX for 20 years can the company change your payment with 5yrs left on the equity loan I don't think so but they yes without explanation ... 
Hope you can help Not only this time of year again I only ask if they can help after in XX/XX/XXXX I came to know I have XXXX. 
And this is the help from the company

Company response to consumer: Closed with explanation