BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife died in XXXX after XXXX yrs of XXXX XXXX. The mortgage i found was not in both our names. I had to do probate but continued to pay mortgage until I had to cancel her account due to social security. Rushmore Loan management would not let me create a new account or talk to me on the matter even though I had given them the probate papers giving me financial authority over her estate. They rejected my acknowledgement and refused to talk with me. They created an escrow where there was none, took over insurance payments, and Paid property taxes without so much as a discussion. This continued from XX/XX/XXXX until XX/XX/XXXX. When probate was completed and filed XX/XX/XXXX they did not acknowledge me until XX/XX/XXXX by letter. When I called I was told from XX/XX/XXXX until XX/XX/XXXX It was not in the system and they could not talk to me and hang up. Finally they talked to me. I was told I had to fill out application to continue paying the mortgage. It came back as a modification which i paid double what the original mortgage was for XXXX months. Then they would let me know what the mortgage would be. They came back with what was XXXX principal to XXXX and a XXXX a month mortgage. Then XXXX mortgage in the end of XXXX which I paid XX/XX/XXXX for XXXX they said for XXXX. So they put me a month behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX, I was approved for a line of credit for XXXX XXXX CREDIT CARD SERVICES. XXXX XXXX CREDIT SERVICES failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX CREDIT CARD SERVICES is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX CREDIT SERVICES defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX CREDIT SERVICES is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX CREDIT SEVICES contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX CREDIT SERVICES with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: MO
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:
In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
WENT TO DEALER TO ATTEMPT PURCHASE OF VEHICLE REPORTED THAT XXXX WAS ONE CREDIT COMPANY PULLING MY REPORT I RECEIVED MULTIPLE UNAUTHORIZED INQUIRES ON MY REPORTS SINCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
Company: Experian Information Solutions Inc.
State: MD
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:
This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt. 

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent.

I urgently request the immediate removal of this account from 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 non-monetary relief
Consumer complaint received 2022-09-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The Wells Fargo Bank said they are going to close my account on the XXXX, I had {$5000.00} in the checking account and they have not stated why they are closing the account. Am currently in XXXX using my card and if it closes I wont have access to any funds.

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 2022-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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:
We were contacted by the USAA fraud department that the account was hacked and they sent new cards ( to me & spouse ). I was sent a suspicious bill for {$20.00} from the collections dept. at USAA. I paid this amount on XXXX and today got a bill for now {$30.00} and they didn't receive my check. My check cleared so they got it. What they are doing is double billing customers which is illegal and predatory. My wife and I intend to cancel our USAA charge accounts as soon as we can. USAA is threatening to turn us into a collections agency. If our credit is harmed, then we will be talking to an attorney about suing them. As it is now we are telling everyone we know NEVER to do business with USAA since they a re a predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Since XXXX this morning Sunday XX/XX/2022 Portfolio Associates has had people outside my house and has been harassing me to include inside my bedroom and even so low as to go inside my bathroom while I attempted to go to bathroom. They made derogatory and thinly veiled comments that were easily deciphered. the violated my spiritual life by suggesting they were delivering a message from XXXX XXXX suggesting i was not welcome and should stay away. They stayed around my house harassing me and my elderly father for my over three hours. These were the worst kind of dispectbal ever. They were beyond all bounds of human decency and were making a big joke out of things while causing embarrassing and attempting to humiliate and torture us orally with constand ugly and outlandish remarks. Any assistance with having these unsavory characters cease and desist would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Escalation for Flagstar not honoring modification with interest rate 3.25 % Flagstar loan # XXXX Housing Counselor XXXX XXXX XXXX XXXX HUD Certified Senior Housing Counselor ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX x XXXX Fax XXXX XXXX Issue : Homeowner has an executed recorded modification with an interest rate of 3.125 % that was recorded on XX/XX/XXXX that Flagstar is not acknowledging and appears to be charging 5.25 % interest to XXXX XXXX XXXX. 
Note : Flagstar has not honored XXXX XXXX HUD approved authorization deterring the assistance of a housing counselor. XXXX had to conference in XXXX numerous times to authorize and sent in the authorization numerous times. 


Note : there were a lot of issues to finally remove the deceased husband of XXXX, XXXX XXXX with approximately 4 sets of documents being sent for signature and has finally been successful. Each set of documents were different with partial claim or a combo ALM recovery modification and different interest rates that finally resulted in just a stand alone partial claim as XXXX had been requesting all along because she could afford to resume the payments and she wanted to preserve her interest rate of 3.25 %. 

Attachments : *Executed modification recorded on XX/XX/XXXX with 3.125 % interest rate *Executed partial claim recorded on XX/XX/XXXX from a work out for an FHA covid  forbearance *Mortgage statement dated XX/XX/XXXX Summary of events : XX/XX/XXXX Flagstar does not have XXXX authorization on file for the 4th time. XXXX spoke with supervisor XXXX who advised to email it again and to send to XXXX XX/XX/XXXX Flagstar found XXXX authorization on file & XXXX in loss mitigation spoke with XXXX. She sees the XX/XX/XXXX recorded modification with 3.25 % rate. Escalated to supervisor XXXX who now understand the issue. XXXX sees the previous escalation that was not previously escalated and will escalate again. 
XXXX said that past charges were based on the 5.25 % interest rate and will get it corrected. 

XX/XX/XXXX XXXX spoke with XXXX who said that the executed modification from XX/XX/XXXX with 3.25 % interest is what the homeowner has been charged and has not been overcharged. 

XX/XX/XXXX spoke with XXXX who said the interest rate jumped to 5.25 % and that there was another modification showing 3.25 %. XXXX is submitting to processing and borrower is being charged 5.25 % rate. 

XX/XX/XXXX Spoke with XXXX  who has the recording # XXXX for the XX/XX/XXXX modification so she escalated to her supervisor. 2nd time to escalate from XX/XX/XXXX. Supposed to be resolved by XX/XX/XXXX but never was. 
Note : each call takes at minimum 1 hour having to explain it with each transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 7. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From 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
Consumer complaint received 2022-07-27
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XXXX I could not pay on this loan. I used family to stop Navient from harassing family members and individuals around me, including my job. However, my support system has passed away during the pandemic, as Navient knows since one member was an actual co-signer on a loan. I can not pay on this loan, and Navient knows this. I do not want them to contact anyone except for me about this debt. They do not need to contact the 3rd party as they have my cell and email and have contacted me on previous occasions. I can not pay this debt and will not be able to in the future. I am demanding that Navient only contact me about this debt. I am well aware that this loan is headed towards default and its nothing that I can do about it. I am ready to face the repercussions of such actions. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: MO
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:
there is information that on my consumer report that is a result of identity theft I did not provide written permission or instruction for identify transaction to be reported on my consumer report I'm requesting that the reporting of this information be blocked and deleted My request to block is not being made in error nor is it a request to block being made in the basis of material misrepresentation of the fact by me relevant to the request to block the identify transactions. The identify transactions are not in formation related to any transaction by me as the consumer.

You are required to do what I'm asking and block these transactions from being reported to my consumer report within Two days of the day of the receipt of this notice I look forward to your response.

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 2022-06-06
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: NC
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation