BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I receive multiple calls from USAA for someone who is no longer at this phone number. I 've asked them to remove my number from their list but they have not done it. I 've had enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A man called USAA Banking services pretending to be me. He did n't not know my user name, my USAA number or my phone password yet USAA " validated '' his identity by asking questions about my credit card, information he obviously already possessed. Once " validated '', USAA allowed him, over the phone, to change my on-line password, on-line pin, on-line security questions and my debit card ATM pin. To make matters worse, USAA " reminded '' him of my USAA number which now allowed him access to my on-line account and this allowed him to transfer {$4900.00} from my savings to my checking. To add insult to injury, USAA approved him to withdraw {$4500.00} in cash from an ATM machine ( he withdrew XXXX {$500.00} withdrawals ). The negligence involved here is criminal! USAA has no concept of security. As soon as this person did n't know my phone password he should have been hung up on!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
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: Account status incorrect

Complaint:
I had a collection from XXXX XXXX XXXX shown on all 3 credit bureaus, Experian/XXXX/XXXX. 

I have settled the amount with XXXX XXXX XXXX in XXXX and paid it off. 
On XX/XX/XXXX all 3 credit bureaus has removed my collection from my report. 
Due to the removal XXXX  and XXXX  immediately have increased my credit score by 24 points ... ..

Experian immediately has decreased my credit score by 31 points ... ..

I have already sent Experian screenshots of the other 2 credit bureaus of the removal and increase of my score, without any solution till now

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 2017-01-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been using Navient for my biggest student loan payment some they bought mine from XXXX, over the course of 2 and have years as, I have pleaded for a reduced payment to lighten the burden of my payments Navient on several occasions declined lowering my payments. And did. It offer income driven, and they encouraged a military forbearance due to my XXXX status. And due to financial strain with no other offers I was encouraged to use this option becaus. I thing else was offered and it was pay or forebareance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a utility bill that was sold to XXXX XXXX XXXX XXXX - I paid this back on XXXX/XXXX/2015. I went to apply for a mortgage loan and found out that now CBE group is trying to collect on this. I provided them all the documents and called and asked them to remove this account because it was not my fault. They said NO - we will update this to Closed. How can they report something let alone try to collect on something that I already paid to another collection agency. This is now stopping me from getting my home loan. I am prepared to file a legal suit against them if I have to. I just want the account removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Self Financial Inc.
State: CA
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:
A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " Self Lending '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted Self Lending they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down 30 points and this has caused damage to my family as we were financing our home and now we can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am before the va appeal process on a debt of overpayment. The us treasury has hired a cbe debt collection agency ( twice ). The first took my federal taxes last year and now this agency is threatening me with wage garnishment. 

I have spoken with a lady at the va appeal board by phone and says they can not do this, it is harrassment and i have told them this. 

yet they still harass me and now want to attach my wages. 

I want this stopped and my last year taxes reimbursed due to illeagally obtainment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was living with my parents and overpaying my loan by {$200.00} a month. Combined with my federal loans and another private loan, I was paying about {$800.00} a month. When I wanted to move out, I called Navient to change my loan payment back down to the minimum that I was paying before so I would only have to pay {$600.00} a month. They told me that I could n't do that and I was stuck with the higher payment. With my budget, this left me unable to move. I had to borrow money to pay off the loan in full so I could refinance and make my monthly payments lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid. Needs to be updated and removed from 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
Consumer complaint received 2021-07-30
Company: GATEWAY FIRST BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have paid in full a second mortgage lien with Gateway Mortgage but Gateway Mortgage never reported my payments or the closed account to the credit bureaus since XXXX. I spoke to customer service and to the department that pertains to credit reporting but it was never done. Gateway Mortgage XXXX XXXX XXXX XXXX, XXXX, OK XXXX ; Customer Service - XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: AK
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was fraudulent activity on my credit report. A false address through experian ( XXXX XXXX XXXX XXXX XXXX XXXX, Florida ) & hard inquiries on all 3 credit reports from XXXX XXXX & discover financial services. I contacted those banks & let them know that those were fraudulent & to take them off. I also contacted the credit bureaus & froze my credit since the fraud alerts werent working. I was able to dispute on all credit reports besides transunion due to identity problems. Thats why I had to contact the banks to remove the fraudulent credit card activity. Those dates were XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint XXXX submitted XX/XX/21 Never received reply Company told you they would on XX/XX/21 You closed this complaint without it ever being resolved. I never received the response from the Company, but you stated they sent you a response on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My husband and I consolidated our student loans and went into default again. He has a garnishment on his wages that total {$190.00} per week. I called Pipneer Recovery to see what we can do to get out of this debt quicker. The woman told me we could pay {$540.00} per month MORE and we would be out in 25 years. That is {$1400.00} per month. I want to know my interest rate and she could not provide me that information. I asked her if we left the garnishment to pay the loan off when would it be paid? She said it would never be paid off. 
Is this true? It is financially hurting to have that much taken out of his check to learn he will never pay it off. Help please

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 2020-03-31
Company: Mr. Cooper Group Inc.
State: MA
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:
Mr Cooper reported my mortgage loan twice with the credit agencies. My loan number with Mr Cooper was XXXX and the loan has since been sold to another servicing agency, XXXX. My credit report currently shows two mortgage loans, one with Mr Cooper for {$610000.00} USD, WHICH IS INCORRECT, and one with XXXX, which is correct and should be the only mortgage loan on my credit report. I contacted Mr Cooper over the phone the operator refused to explain to me what the credit reporting error was and hence, she could not help me fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I try to do a dispute and they wan na alot of informations to figure it out like the reporting number that they did n't give me when i made a report online. Seems like there should be a easier way. They wanted me to get a reporting number and only way was a mail out cedit report when I already did a online one. Please Help

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 2016-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank recently closed my bank account due to an reporting by USAA to XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently USAA reported me to Early Warning Services XXXX by in XXXX and I have NEVER even opened a USAA or heard of them. I contacted bank to ask to remove XXXX XXXX report and they said since its from XXXX they ca n't see that far back and that its was written off. They then invited me to open a new account. Please make them remove the XXXX XXXX XXXX report. 

This is making a mess of my financial life. I want to see proof with my signature on it that I opened these accounts. If you can not provide documentation with my signature, I demand these XXXX items be removed from XXXX XXXX XXXX XXXX XXXX. I will be filing a lawsuit in CA court on Tuesday. 

Account # 's XXXX and Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is what happened. Citi mortgage has had us listed as an FHA loan, and we paid Citi Mortgage FHA insurance on a government fixed loan we thought we had. We ran into some financial difficulty a few years back, and got behind XXXX payments. We asked Citi for help, and they claimed they were going to modify our loan via the FHA Hamp 2 program. However, after alot of run around, submitting redundant paperwork ( even though on their statements say they keep the paperwork on file for 60-90 days ), we were still denied the FHA modification because we did not meet FHA guidelines. We were also not allowed to make our monthly payments while we were in this process either. In the beginning we, were only XXXX payments behind, at the end it was XXXX. They did put us on a payment plan for 3 months, which we made in FULL and on time, yet were still denied a an FHA modification. We ultimately had to file for bankruptcy to save our home, we felt they were trying to purposefully foreclose. We decided to give FHA and HUD a call, and they informed us our FHA number was never active and have not received any funds from Citi Mortgage over the years. We received our loan in XX/XX/XXXX as an FHA loan, and paid in FHA money that is on our statements, FHA claims they never received any funds because our FHA loan status was never activated due to lack of receiving packet from Mortgage company. Also, our old statements say " Government Fixed ''. Citi Mortgage still says our loan is FHA and puts our FHA number on our loan papers today. We started researching the matter and there are XXXX of people around the nation with the exact same issue, and Citi is doing the exact same thing to them. How could Citi be pursuing a FHA loan modification with an inactive FHA number? We still make our house payments today, but also have to pay a trustee {$650.00} a month, for something that we are not at fault for. Not to mention, Citi has never actually told our lawyers exactly what we were behind in payments, so they are guestimate payments at best, and they have added the missed payments onto our loan, where it appears we have taken out a XXXX mortgage! Which we have not. We have been in bankruptcy for over 2.5 years now, and it is been very difficult to say the least to maintain. We have 2.5 more years. When we were behind just XXXX payments, we should have received a FHA Loan Modification, However, due to the negligence and oversight of Citi Mortgage, we have had to deal with much greater financial and physical hardship. We understand Citi Mortgage has engaged in FHA fraud in the past, and would like help in determining if this is what has occurred with our loan. We also hope this helps many others whom are getting the run around and/or possible fraud from Citi to be helped with this as well. It has created many problems for our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I sent and been sending Debt Validation and QWR among others and have not received proof of validation. Only stories that can not be proven. 
Also I have sent a Notice of Rescission and they did not respond or file a lawsuit within the 20 days. The note and deed of trust are Void. As per the Unanimous Supreme Court decision in the XXXX XXXX 2015 decision. 
The latest notice of verification of alleged debt dated XXXX XXXX, 2015 and XXXX XXXX, 2015 were totally ignored by The XXXX ( the Trustee ). I did get a letter from SPS, Inc which in effect was a none response. Did not send the following 1. Copy of the original alleged note accompanies by an affidavit from alleged lender 2. Did not identify to what the debt pertains. 
3. Did not detail how the alleged debt was calculated 4. Provide copies of any papers that show that I/we agreed to pay alleged debt. 
5. Identify the original creditor. The Note and Deed of Trust is now Void due to rescission. 
6. Did not Provide the agreement between the creditor and both XXXX and SPS , Inc. which authorizes XXXX and SPS to collect funds.d 7. Did not provide evidence that they are licensed to collect debts in the State of California. 
8. Did not providtheir evidence of license numbers and then alleged lender 's registered agent. 
9. Did not provide evidence that the Statute of Limitations has not expired on this accounted. 
I am not in default. 
Please see attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: LoanCare, LLC
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I mailed letters to several companys and havent seen any change it has also been pass 30 days and should be removed from my credit report Im very unset with the reporting.

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 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
All of my inquires with TransUnion were removed and the illegally added them back, without my knowledge. This violated my consumer protection rights.

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 2021-07-30
Company: NAVY FEDERAL CREDIT UNION
State: AL
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:
On XX/XX/21 I called Navy Federal to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a chapter XXXX bankruptcy and Transunion in the public records section of my credit report has an amount listed.No amount can show in a discharged account by federal law no amount is showing on my XXXX account under the same category.I tried to dispute on Transunions site but for some reason it kept timing out.This is for 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 2021-07-30
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX billed me for unused time and never reported to the credit bureau the amounts paid over the terms of the contract. So, no positive payments are reflected and instead, they posted an amount due that should never have been billed to me in the first place. I disputed this with experion and they continue to have the debt on my report with no valid paperwork or contract showing I owe this amount.

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