BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-16
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, my issue is with XXXX companies that are under XXXX umbrella, Loancare a Division of XXXX, and XXXX. I submitted a complaint to The XXXX but it was later suggested that I submit XXXX to Loancare as well. My problem started in XX/XX/XXXX when I missed a payment. I paid in XX/XX/XXXX and then I quit paying all together in XX/XX/XXXX. I do n't have the exact dates of everything with me, but I submitted it all to the XXXX. I quit paying not because I did n't have the money, but because my XXXX and I was unable to make clear decisions on my own. In XX/XX/XXXX all of the past due balance was in my bank account, and I received a letter stating that I needed to call and make arrangements to pay the balance or my loan would go into foreclosure. I called within a week of receiving that letter and they told me that it had already gone into pre-foreclosure and that I had to wait for someone to contact me. We were then instructed that we should resume the payments as normal, but we had to physically send a check into the office, and we agreed to a Loan Modification. Everything was to remain " as is '' until I got the paperwork, and got it sent back, and then everything that was " late '' was supposed to be removed and fixed. We then started paying the payment out of my husbands account, and from XX/XX/XXXX until we sold the house XX/XX/XXXX there was never a payment missed. Loancare and XXXX are also both reporting at the same time during overlapping months which makes it look like I had two mortgage 's at the time. I also want to say that we went to buy a house through the VA in XX/XX/XXXX, and they were only reporting late payments through XX/XX/XXXX, so we were told to wait until XX/XX/XXXX so we had a year reported with no missed payments, and when we went back in XX/XX/XXXX they were then reporting the foreclosure. This only happened when I sent in my bank account history to show that I was making payments on time from the XX/XX/XXXX through the end of the loan. Either way what they are reporting as a Foreclosure was A loan modification and it should not be reported as foreclosure because no paperwork was filed with the court.

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 2021-09-17
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Department of Education has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Delta Management Associates, Inc.
State: IN
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The representative from Delta Management called by immediate supervisor and discussed my debt with her. When my supervisor was unwilling to discuss this issue with the representative, they questioned her asking " if she was n't concerned about her employee not paying her bills ''. My supervisor indicated that the representative was very aggressive. 

This was very inappropriate and could have lingering impact on my employment. Attempts were made to contact me but I had been in meetings for most of the day today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CITIBANK, N.A.
State: MD
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:
XX/XX/XXXX I began a reduced payment plan with Citibank for my cash rewards card. During the reduced payment plan the representative stated that as long as I had the payments deducted on time that would prevent any negative reporting to the reporting agencies and keep my account in good standing. By XXXX XXXXCitibank collections team contacted me stating that I needed to make a payment in order to get my account caught up. I informed them that I was on the reduced payment plan. The collections department informed me that while I was on the reduced payment plan the payments were not bringing my account up to date. In XX/XX/XXXX Citibank agreed to have payments of {$190.00} automatically deducted for XXXX, XXXX and XXXX to bring my account current. XX/XX/XXXX I was notified that my account was closed without any written correspondence. When I inquired with Citibank why my account was closed despite making all payments I was told to apply to have the account opened. I completed the application and Citibank denied my account be re-opened and yet wanted continued payments on the account. Citibank also has been robo-calling my phone to collect on the account which is a direct violation of the Telephone Consumer Protection Act ( TCPA ).

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 2017-08-14
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : NAVY FCU Account # : XXXX I was never late 30 days in the month of XXXX 2017. I  have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage loan in full on Wednesday, XX/XX/XXXX and have not received my {$920.00} escrow refund within 20 business days as required by RESPA regulations. It has now been 28 business days and after repeated calls I am constantly told that the " check is in the mail ''. My online account activity states that the escrow funds were disbursed on XX/XX/XXXX however when I just spoke to the Mortgage company 's escrow representative they state that the funds were mailed on XX/XX/XXXX ( conveniently the 20th business day ). I stated that I just received mail today that was sent on XX/XX/XXXX by my current mortgage servicer and again told " I will receive in mail '' with no remedy on receiving these funds. I believe that this constitutes violation of RESPA regulations since the company has not offered to take any actions to expedite the delivery of funds that I should have already received. It has been very frustrating to deal with this mortgage company and I believe that they are not properly equipped/staffed to satisfy customer complaints. I stated very clearly that I felt this was a violation of RESPA and that I would place a CFPB complaint and they did not attempt to take any further actions to remedy the situation.

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 2021-09-17
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I have submitted a dispute but have not been notified that the accounts being disputed are under investigation and/or deleted. They have only added comments and have not removed the inaccurate accounts. The accounts have recently hurt my potential to obtain a home in which I have been denied and other things based off these inaccurate reporting 's. I have requested these to be removed immediately but they have not been removed. They have also obtained and used non public information without permission in these reports which violates the FCRA. 

The information on my credit report that is being reported violates several FCRA laws : 602 15 U.S.C 1681 611, 15 U.S.C 1681,15. U.S.C 6801, 623 15 U.S.C 1681. All which I have included my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have purchased a 2009 XXXX in XXXX 2011 for XXXX financed it with Santander Consumer. Since paying on this car I have paid XXXX dollars and still XXXX, XXXX they are continually adding late fees, as well as a XXXX fee for every time you make a payment on-line. They have put close to nothing towards the principle of this car, it has al gone to Interest. I feel this is a predatory lender, this car should be down to at least half of that XXXX with all of the payments I have made to this point. they continue to add fees and take the full payment and put towards interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: CDI Affiliated Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a medical account that had been paid off almost 2 years ago. When I paid it off, my doctor XXXX XXXX contacted this agency and had it removed. I checked my credit and was surprised to see this on my report because without an account number or anything that actually connects it to me. I did not received any contact whether call, email or letter to say that this had been done. I contacted the collection agency CDI Affiliated Serv. regarding the matter and I was told that they had no ideal how this appeared on my report, that it must have been a glitch in the system because it was closed with full payment. I was advised by the Service Rep. to dispute the item on my report and as soon as they get the dispute they will remove said item. I have also contacted my doctor of this situation. 

Well, I have now disputed it twice with XXXX, who allowed this to happen without verification or validation, because it came back as verified. This false claim has brought my fico score down more then 80 and I am furious. I work hard at trying to maintain good credit and it is ridiculous that any company from any where can report false, old and other individuals mess to the credit bureau and have it verified as being accurate. This is not fair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge.

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 2017-10-09
Company: EQUIFAX, INC.
State: FL
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:
On XXXX/XXXX/XXXX pulled a copy of my credit report and noticed the collection. I requested that the credit bureaus remove. XXXX and XXXX has deleted this collection, however Equifax has not only failed to do so but the debt is being reported twice causing double the impact to my credit worthiness. I have requested several times that the this bureaus provide physical verification that this debt has been verified and as of date they failed to do so. Whereas other bureaus have deleted. 


On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX Request to reinvestigate with Equifax and provide physical verification. Documentation will be attached. 

Also sent request directly to XXXX XXXX to validate this debt and no response as of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Empowerment Ventures, LLC
State: PA
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I use this rush card for my direct deposits or work and I can use it to put other money on this card so I decided to put my income taxes on it this started on XX/XX/XXXX when my Federal was sent to my card got my money that day. went to bed it is XX/XX/XXXX that 's when my money was gone XXXX of it called the card hysterical wanting to no what happen to my money they said everything will b all rite and they will get to the bottom of this they sent me a form with what I told them and about two weeks later they said they found no error and that was it I have a police report as well and they are still looking into it I need more help I hope you guys can

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My boyfriend and I have been banking with U.S Bank for a little over a year now. Unfortunately for us and many other americans we have had some unexpected expenses. Recently my vehicle was in the shop and it 's expensive. I have medical payments that continue to grow each doctors appointment I attend. And due to this we have been struggling to make ends meet, with all the overdraft fees we have been assessed. It 's a pattern that 's been very hard to stop since our paychecks are short because of the fees we have been paying US bank. I request the {$180.00} dollars worth of fees to be reversed so it would allow us to get back on our feet and was turned down by a bank who is not compassionate and wo n't consider refunding {$180.00} dollars worth of fees. But it 's ridiculous that these large banks make money off of hard working individuals who are n't millionaires and I can guarantee if I was a rich the fees would of been reserved without hesitation. I do n't understand how it 's okay for a bank to pay a item and charge you a fee when it 's at their discretion. I am writing this so other consumers can be aware of what type of business U.S Bank is. And unfortunately we will be looking into switching to another bank. We recently had a payment go through for homeowners insurance for a little less than {$15.00} dollars and got hit with a {$36.00} dollar over draft dee. We paid rent and we were short no more than {$15.00} dollars and for hit with another {$36.00} fee. All I want is the XXXX dollars of fees to be reversed as a courtesy to allow us to get back on our feet and us bank has wasted my time. I have called, I have emailed them and I even went on social media. This is outrageous and I hope no one else has to go through this. Please please please stay away from this bank that only wants to make money off of young adults and poor people!

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 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2017-10-09
Company: EQUIFAX, INC.
State: LA
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 recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Equifax and spoke to a XXXX REP about my concerns. She stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Equifax and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Equifax stop victimizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX I am in my XXXX. Just received subpoena on an auto loan that appears to be mine. I think I signed a loan for my son for two cars but this only has my name on it. Im confused. Ive not been contacted that payment wasnt made and looks like its been several years ago. I have congested XXXX XXXX and XXXX and my wife is battling XXXX and XXXX for noncurable XXXX, somehow we been signed out government XXXX and only have a replacement XXXX plan. We have no money left. Why didnt someone tell me before now. Why didnt they contact me but wait several years? Can u help me? My address is XXXX XXXX XXXX XXXX XXXX va XXXX and my stepdaughter helps us. I have hard time hearing. Ask for her or XXXX. The warrant is from XXXX XXXX XXXX. If they can send warrant in the mail why cant they call me or talk to me. We have no money thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Hello, I filed a complaint XXXX/XXXX/XXXX in regards to incorrect information on my credit report. 
XXXX XXXX 's is showing a 30 day late payment XXXX of XXXX. I have never been late and have disputed this error thru XXXX. XXXX has not removed this error even after filing a dispute with CFPB. Synchrony Bank has already made contact with XXXX and provided them an updated XXXX to correct this error and they have not. It has been over 30 days and this information has not been updated.

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reporting incorrect information on my credit report!

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