BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( FYIXXXX was the lender at the time of the Bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLLIO RECOVERY IS TRYING TO COLLECT A DEBT THAT IS NOT MINE. i EXPLAIN TO THEM THAT IT WAS IDENTITY THEFT AND THEY REFUSE TO REMOVE THE COLLECION ACCOUNT OFF OF MY CREDIT REPORTS. I ASKED THEM TO PLEASE PROVIDE ME A SIGNATURE TO PROVE THIS IS MY ACCOUNT OR REMOVE IMMEDIATELY. 
XXXX XXXX XXXX ACCOUNT # XXXX TOTALLING {$860.00} XXXX XXXX ACCOUNT # XXXX TOTALLING {$1300.00} i HAVE SENT POLICE REPORT TO XXXX XXXX XXXX. I AM NOW SENDING IT TO PORT FOLLIO RECOVERY. 
PLEASE HELP ME WITH ASSISTING IN THIS MATTER AS I AM TRYING TO REFINANCE MY HOME. 

THANK YIOU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
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:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Please assist me in getting an incorrect birth year removed from my credit profile. I was born in XXXX, not in XXXX as Experian is reporting. I have informed Experian that I was a victim of identity theft. Also, there are several inquiries in the last year that is not mine. Please remove these unauthorized inquiries from my credit profile. The following addresses are not mine : XXXX XXXX XXXX and 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 2015-06-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The item with XXXX XXXX XXXX is being investigated. The account was opened in XX/XX/XXXX and should be removed in the year of XX/XX/XXXX. It has been XXXX years that this account has been reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EXPERIAN HAS VIOLATED THE DODD-FRANK ACT AND HAS VIOLATED FCRA AND CREDIT REPORTING FRAUD WITH ITS FFFFURNISHERS.

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 2022-03-02
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:
I have sent another certified letter to Equifax regarding XXXX XXXX XXXX. 
There's still no update from Equifax & also XXXX XXXX XXXX. This report is in Ref to report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
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:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was char ged 2 n on-sufficient funds fees on  XXXX / XXXX /  XXXX  . Looking at the attached account register, I was not overdrawn. I was told by Nevada State Bank that the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   and the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   prompted the overdraft fees as the {$30.00} premier credit charge was pending.     I think the bank is manipulating transactions in order to get extra overdraft fees.     The bank did not have to pay anything at a service to me due to funds not being available. These items were not paid until after a deposit was posted to my account. & no negative balance shows prior to the deposit clearing.     As you can see from the attached account register, I was never overdrawn by any amount. I think the bank lacks in transparency in the way the accounts are set up. There is missing and confusing information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: OH
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 XXXX accounts XXXX which are five years or older to have them two years and the average is 48 months and they had me down at 32 months of credit age history

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: American Credit Acceptance, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
American Credit Acceptance is erroneously reporting payments after this account charged off XX/XX/XXXX. They continuously add payment history that shows payment, then they go back to reporting new 30, 60, 90 day lates to cause detriment to my fico score. They reported a paid status for XX/XX/XXXX thru XX/XX/XXXX and then 30, 60, 90 day late and Charged Off again for XX/XX/XXXX. They also continue to increase the balance owed but I have not recieved any statements. I was made aware of these errors using online versions of my credit reports but I have ordered paper copies so that I can provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Sortis Financial, Inc.
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I got a loan from XXXX they informed me that it was an interest only loan the representative informed me of this over and over that I would be able to pay the loan at an interest only at any time without a problem and that the loan can be renewed with no problem. The representative left the company and I got a new rep who informed me that this was not the case and that I would have to refinance the loan and pay more fees. I got one package for a small amount to renew and every time I would get a package he would increase the fees more and more in order to make an even higher commission or percentage on the loan what showed a few XXXX dollars ended up being over {$3700.00} after numerous changes he continued to make. I was forced into getting another loan by getting an appraisal prior to this I was never late on my loan until the loan matured owing {$23000.00} it 's only been XXXX months and I was told I now owe {$46000.00} after XXXX months of non payment. The lender agent gave a loan on false basis and lied constantly about the terms of the loan. I was informed on many occasions that the loan would be renewed on interest only. I later received a copy of an email that was circulated by that XXXX my new account representative explaining to many people involved in the processing of my loan such as the closure using derogatory remarks such as " I was full of it '' and that he deliberately and intensionally refused the renewal because of his personal opinion which was a discriminating action on his part when I did not take the loan I received a nasty email stating he will not renew the loan of interest only therefore causing me to go into default with XXXX I was discriminated based on personal opinion of me as the emails he was sending will show. Therefore causing the loan to escalate into default intentionally. Also causing me to pay double in what was originally owed. At this current time I am in default with Clear Springs the loan servicer regarding this reckless intentional act on his part. When I did not want to take the new term on his terms and was not ready financially due to the recent injury of my father he was angry and refused to renew the interest only with the mortgage servicing company. The employees are advising many borrowers that they can have these loans on interest only and then bait and switch when a person or company does not want a new loan on different terms or chooses to have you owing an even higher amount in order to keep you in debt for a longer period than originally agreed due to high fees not originally agreed and terms that changed in order to benefit them and not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: VA
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 have no knowledge of this account. XXXX did not verify the following key information : Payment status Amount past due Worst payment status Times 30/60/90 days late Minimum monthly payment loan terms late payment dates any payments made and when

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 2016-08-23
Company: United PanAm Financial Corp.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I traded in my Vehicle on XXXX XXXX, 2016, My ten day payoff was {$6900.00}. The next due date was XXXX XXXX 2016. I received over 10 " ROBO Calls '' at work, and when I finally called them back the lady was very rude and refusing to listen to anything I had to say, Only demanding payment immediately. I told her I have proof the vehicle was traded in and she said it does n't matter, You 're responsible for the loan. I told her that The dealership has proof that they received the payment, and they had acquired the lein release and sold the vehicle. Her response was that I now had 24 hours to pay the balance of XXXX or I would face legal action. I told her that she can not pursue legal action as it has only been 1 day past due, WITH record that the account in question was paid off. I also asked her why the balance is so high. She said they add interest daily, which is nowhere to be found on my contract. I ask to speak with a manager, and she puts me on hold. She comes back and says he will not speak to me because everything she has told me is the truth and I am just lying to get out of a payment, then she hung up on me. I immediately received THREE more robocalls ( This is after XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This bill for {$130.00} I do not owe.I did'nt ecieve a statement untill 2 years after my appoitment, I paid my deductable the same day of the appoitment, XXXX should have submited the charges to my insurance ( Wellcare ) at that time.I did'nt have that insurance after that year, I had to change it.But they did'nt bill me untill XXXX years after the appointment which I am not responsable for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-03-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I called Rushmore Loan Management Services to remove my banking information from their system. I received a letter from Rushmore on XX/XX/2022 that stated my mortgage company has been changed to XXXX XXXX XXXX. However, I was told by the representative ( I do not remember his name ) that he did not have the capability to remove my banking information I was told it was submitted to the IT Department. I then asked if I could receive some form of correspondence that shows that the issue has been raised to be resolved, I was told no, which does not make any sense. The representative told me to check back in a week when the issue should be resolved. I waited two weeks. I called Rushmore Management Systems again on XX/XX/2022 and spoke with XXXX ( XXXX ) who told me that my banking information is still there ( for some reason, whenever I told them that they are no longer my mortgage company, they keep saying yes I am ) Further, XXXX ASSURED me, that from my request again on XX/XX/2022 after my INITIAL request on XX/XX/2022 that my banking information and account with Rushmore Management Systems has been deleted. XXXX also ASSURED me that my banking account will NOT be charged. That was not true, on XX/XX/2022, a payment withdrawal from XXXX RLMS ACCOUNT in the amount of {$1300.00} was taken out of my bank account. Now, my account has been charged TWO MORTGAGE PAYMENTS. 1 from my current mortgage lender and 1 from Rushmore- the incorrect lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I made a purchase online for a takeout prepared dinner from a restaurant for pickup on XX/XX/XXXX at XXXX XXXX. When I went to pick up the dinner on XX/XX/XXXX, the food was not ready at the assigned time. The food was not made available to me until XXXX XXXX and was not prepared but instead provided for us to cook at home. As a result, I disputed the charge on XX/XX/XXXX. The charge was made using my Chase Sapphire Reserve credit card. 

On XX/XX/XXXX, I was presented a letter from Chase that they considered the charge valid as the charge was made in person. That is factually untrue and is not disputed by the restaurant. The restaurants own documentation shows that the purchase was made online via XXXX. Chase could have only reached this decision by not actually reviewing the disputed material or reviewing in a manner that was so reckless as to not understand the undisputed facts of the situation. 

I called Chase 's dispute department to discuss their findings. I was told that I was not allowed to dispute charges for quality and lateness as long as I had been provided a product at some point. After speaking to a supervisor, she told me to send Chase a secure message in writing that I did telling them that I disputed the quality of the merchandise. I did so. At no time since sending that secure message in writing have I received any additional requests for information from Chase as to the quality of the merchandise nor any response showing that Chase had re-disputed the charge as I was told they would or otherwise considered the quality of the merchandise as part of the dispute process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13
Company: United PanAm Financial Corp.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX through XXXX XXXX XXXX and obtained financing through United Auto Credit. After countless repairs and mechanical issues with the truck, I attempted to trade it in. At that point I was informed that the vehicle was only worth a few thousand dollars due to being deemed a total loss. 
Not only was the truck salvaged, but it included airbag deployment. 
I contacted United Auto Credit in XX/XX/XXXX regarding this issue and confirmed they they do not finance salvaged vehicles. After a lengthy conversation with XXXX of the superviosrs I forwarded them the supporting documents. The contract was entered into under terms that are fraudulent. Which voids the contract entirely. I put down XXXX on a vehicle that was sold to me for XXXX. I 've also invested a year worth of payments into something with no equity at this point. I 've continued to contact them regarding the lien release that needs to be sent so that I can move out of this vehicle but have gotten no where. I was advised that the account is with the Fraud dept, with no results. I also spoke with dealer compliance who was supposed to contact me and has n't. I do n't want this to impact my credit and I do n't feel like I should continue making payments on a cpontract that has been voided out.

Company response to consumer: Closed
Consumer complaint received 2016-06-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We fell behind on our mortgage a while back, the company we originally signed with, XXXX XXXX Loans, sold to Bayview Loan Servicing and we did not get informed of this as it was happening but rather thru the bill. Life happened around us, our oldest daughter had a XXXX that resulted with XXXX her mom. This daughter kept us occupied along with my own struggle of XXXX and my husband working XXXX jobs to try making ends meet. We did n't and fell further behind. We were approved with a XXXX program, but the 3rd month a submitted payment a couple days too late. We reapplied, over and over and over. Each time we were given hope it would be approved due to our medical hardship. This has dragged on For nearly 5 years. They delay with several letters at once, each contradicting themselves, even a lawyer looked over our papers and said as much. She of course told us we have a lawsuit against them. We just want to make our mortgage right and keep our home. Of course with " bad credit '' we ca n't get a loan to pay our past due balance and the mortgage company has put us off for so long we are in a foreclosure process. Again, we desperately want to keep our home and looking for answers to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Received a XXXX from Bay View a third party provider for XXXX. 
Their are numerous issues such as incorrect titling Incorrect coding on the XXXX form No release of lien but forced a tax event with the IRS and State

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
From : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date : XXXX XXXX, 2016 at XXXX XXXX PST To : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ; Cc : XXXXXXXXXXXX Subject : CANCELLATION OF TRIAL MODIFICATION Hi XXXX XXXX, This is my official notification that I DO NOT want to move forward with the trial modification that was discussed earlier today and not to process my 1st trial payment of {$1900.00} from my XXXX XXXX Account. 

Due to the trial modification being almost a {$1000.00} monthly increase it will not be affordable and I am looking elsewhere. Also, I was not aware of the balloon amortization that I have investigated more thoroughly. 

Thank you for your time and effort, but again I am declining your trial BALLOON AMORTIZATION TRIAL. 

Sincerely, XXXX XXXX XXXX XXXX Dear Bureau of Consumer Financial Protection, I sent the above listed letter of explanation declining my " Balloon Amortization Trial '' with Bayview Loan Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ref Loan # XXXX, with the hopes of continuing to work with " Keep Your Home XXXX '' who was trying to submit my loan with payment. I received a phone call this morning that Bayview Loan Servicing has denied " Keep Your Home XXXX '' the ability to make a payment on my loan and take over my loan. As, explained in my aforementioned letter, Bayview Loan Servicing, will be furhter placing me into a Financial Hardship, while the " Keep Your Home XXXX '' program will help assist me in my situation. 

How can Bayview block a Governement Agency from helping and assisting me?

Company response to consumer: Closed with explanation