BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I forced to leave my home with my XXXX yr old son due to threats, assault and harassment. My mortgage company and XXXX been trying to force me out of my home for years, by tampering with my financial obligations. I am a XXXX percent XXXX veteran. My mortgage goes up every year due to taxes and mishandling of my escrow account. This year my mortgage went to XXXX a month. This is ridiculous. I had to pay XXXX dollars to keep my payment the same which to stop the increasing this year. My home was intentionally burned down about 2 yrs ago and insurance company XXXX XXXX didnt want to help after the home was redone and quicken loans said I now have home insurance through them. This insurance is incredibly expensive. I dont know why this is happening but I wrote to your every year for help but dont receive any help. I shouldnt be paying taxes and my mortgage should not be this high. It goes up every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: MI
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 have reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: KY
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:
I was on the IBR plan and i got a letter approved and my payment was {$57.00} and then next thing i knew i was getting notices saying i was behind on my payments. now they raised it to almost {$80.00} a month. i filed bankruptcy in 2010 for hardship and have still tried make payments and be honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
aaa visa credit card handled by bankamerica, Received email about late payment today, called and was told the card is now handled by XXXX. 

The card was my overdraft protection at Bankamerica checking account.

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 2021-10-02
Company: EQUIFAX, INC.
State: OH
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, Equifax and XXXX refuses to remove inaccurate reporting information on my credit report. I submitted proof of conflicting information that was stated to be verified by XXXX, XXXX and Equifax. XXXX stated they will not remove information based on what is presented from other agencies. All agencies stated verified information from original account holder. The most recent example is from XXXX XXXX XXXX. All XXXX agency 's stated account was verified, XXXX After contacting the original creditor and presented a letter to Contract Callers, XXXX, XXXX and Equifax advising of accounting error. On XX/XX/2021 XXXX XXXX that original account holder that sold to Contract Callers confirmed at XXXX the balance was incorrect, payments were not applied to account correctly and account should not have been sent to collections. No good faith investigation to verify inaccurate information was conducted on the first or second attempt by XXXX, XXXX or Experian or XXXX XXXX XXXX. I have sent all three agencies a merged XXXX agency report showing factual discrepancies in their investigation and reporting but all came back information verified, which is not possible. I have since filed a small claims lawsuit against XXXX, Equifax and XXXX in small claims court in XXXX, Ohio for damages and removal of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called several times to be removed as an authorized user and update my credit. Citi bank continues to do nothing. 

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 non-monetary relief
Consumer complaint received 2016-01-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank, Navy Federal Credit Union, has charged me for " XXXX NSF/Return Check Fees, '' totaling {$110.00}. I called and disputed these fees, as they were debit card transactions, and not bank, or check drafts. Also, I was denied the right to opt-in, by the bank, several years ago, and have not opted-in, for overdraft protection. 

My bank has also, manipulated my posting transaction ( Debits ), so as to cause these overdrafts. With the first overdraft, I initially had sufficient funds to cover the first debit, which cause the initial overdraft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Asset Management Outsourcing, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide Recovery is trying to collect a medical debt i have no knowledge of. They are reporting this debt to the collection agencies falsely without any type of validation. This is a violation under the FDOPA. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. 

XXXX, XXXX, and XXXX are saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: STERLING JEWELERS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
here is a XXXX account that is showing on my credit along with he address of XXXX, ct XXXX, As well as a XXXX bill with a balance of {$800.00} thats reporting late that are not all mine. This item has been disputed with EQUIFAX several times. asking for proof into this matter and this account being mine. Also for the account to be deleted and they refuse to delete as well as provide any proof on these accounts that they are reporting on my credit. these accounts are damaging my credit & I 'm currently wanting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, Transunion & XXXX to date Transunion and XXXX. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
There was fraud on my account related to cyber security and other issues. My account illegally has a negative balance, because TD Bank did not update my file. Additionally, I must worry for the security of my account when making deposits. I reported the fraud and TD Bank has not properly credited or updated the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Starting from around the year XXXX til this day our lender XXXX XXXX which is now using Rushmore Loan Management Services has made our lives a living hell. The amount of fear, anxiety, worrying, sleepless nights, suffering, countless day and nights of crying, begging for help to save our home was/is beyond XXXX XXXX and extremely XXXX -All the threatening calls that were made to us all hours of night, If we didnt pay what scary consequences we would face, How they would garnish our social security benefits money, to strangers driving by our house daily-taking pictures, and even trespassing on our property freely and fearlessly to which eventually took a major major toll on us mentally, emotionally, and physically. So two years after my initial request and plea for help from XXXX XXXX and no luck nor care from them we couldnt take anymore pain and suffering and debt that added up. We decided for our health and sanity to file a bankruptcy.I think within 24 hours or so if Im not mistaking of filing and XXXX XXXX  finding out all of the sudden we received a phone call from them telling us what great news they had for us, they would not foreclose, Give us the dream modification, our interest rate would be 2 % but most importantly let us keep the house ONLY if we agreed to not include them in the bankruptcy. After hearing that and believing and trusting what they claimed to be the dream modification assuming a license professional knows what they are talking about we immediately agreed because we love our home and we got lucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There are inquiries of my consumer report that were deleted & reinserted. XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX & XXXX XXXX. XXXX Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-02
Company: Navient Solutions, LLC.
State: IA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to DEPT OF ED/NAVIENT. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 ) This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for me and my financial goals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017 I contacted the debt collection agency Portfolio Recovery to ask what creditor does the debt they claimed I owed originally belonged to. I was told they were not obligated to state the original creditors name and continue to ask me to verify it is indeed my debt even though I have no means of knowing of this debt. I was never given a written notice of any said debt. If I indeed owe the debt, I have the right to know who the creditor is and it should be validated to prove in fact it is my debt. Further more, the collection agency Portfolio Recovery is not license in my state ( TN ) to collect.
The negative and wrongfully reported account has been added to all 3 of my credit reports damaging my credit worthiness. The account was added to my credit reports on XX/XX/2017 in the amount of {$570.00}. Can you please assist me in resolving this matter? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card
Issue: Payoff process

Complaint:
I obtained a " XXXX Card '' credit card from Target stores. I believe the card is owned by XXXX. I 've been trying for over a week to pay my balance of {$84.00} but they wo n't allow me to pay in cash or credit card. And are now attempting to collect late fees on the money they refute to accept. I moved and am changing banks and been asked repeatedly for my routing number. I do n't have a number for them until I have a permanent address. I 've bee told, after hours on the phone, three times to visit Target 's customer service and pay my bill with cash or credit card. I was even given a reference number to use. They have told me, by phone, I owed {$86.00}, then {$130.00}, then {$84.00}, then {$110.00}. Yesterday I was at target 's customer service on the phone with XXXX for 2.5 hours. They will not accept my payment and are in the process of charging me late fees, even though they are the ones not accepting payments even of cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-02
Company: Experian Information Solutions Inc.
State: SC
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:
Experian, XXXX, and XXXX ARE IN Violation of FCRA 15 U.S.C 1681a ( 3 ) RESTRICTION ON SHARING OF MEDICAL INFORMATION. The are reporting two collection accounts on my consumer report that is totally inaccurate from XXXX XXXX XXXX. Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.

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 2016-05-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recently applied for a home mortgage. Per the broker there are inquiries on my report that I did not authorize. There is a pull on my experian report from XXXX/XXXX/XXXX. I did not authorize this. However it was set to drop off XXXX/XXXX/XXXX. The documents attached are from a fresh report pulled XXXX/XXXX/XXXX and it is still on there. I would need this removed immediately as it is a negative impact on my score

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This car was a total loss XX/XX/XXXX. The pay off was {$18000.00} XXXX paid {$16000.00} XXXX paid {$580.00} XXXX paid {$520.00} XXXX paid {$510.00} XXXX paid {$260.00} Add everything paid comes up to {$18000.00} That would leave {$310.00} left to pay. I have tried to talk to customer service several times to see way my bill is {$830.00}. I would like to get this resolved and paid if you could help me understand the difference between my calculations and yours. 
I would also like to know way you waited until XX/XX/XXXX to send a letter to XXXX to cancel and get payment from them.

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 2021-10-02
Company: ALLY FINANCIAL 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:
INFORMATION IS BEING REPORTED ON MY CREDIT PROFILE THAT WAS NOT MADE BY ME

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 2016-05-04
Company: Lou Spivack, P.C.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This situation initially started when the XXXX XXXX insurance company notified me of an alleged debt I owed over fours years ago. I was a XXXX patron for over four years off and by some strange coincidence I was not notified of this alleged debt till I changed insurance companies. This institution would have me to believe that I did not inform them of the sale of a vehicle in XXXX, which I did adding up to a cost of {$270.00}, But by there own admission they did not inform me of this ridiculous allegation till XXXX XXXX when I changed insurance companies. This company would hold me to the strictest standards honoring their contracts, but it would seem when it comes to their own conduct they just make the rules as they go along. The reason why I am complaining about the law firm of Lou Spivack, P. C. is they in my estimation they are an enforcement arm for these underhanded tactics. They are both one and the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: The Best Service Co.,Inc
State: CA
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:
The Best Service Company, a collection agency, sent me a letter in the mail stating I owed a debt for {$10.00}. I mailed the company a letter for removal of account from my credit reports and a check for {$10.00}. I received a letter after a few weeks that they could not process the payment and that I needed to call them, they included the check I mailed them. I decided to send them a money order for {$10.00} and a letter for removal of the account from my credit reports. I just received another letter in the mail stating they could not process the payment and that I needed to call them, they included the money order I mailed. I believe the company is purposely rejecting my payment methods to get me to call them so they can attempt to extort money from me for more than the debt costs and/or to keep a closed collection account on my credit report to purposely hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by a collector about a debit for a apartment whom I was not informed about after moving with my 60 day notice

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation