BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: Resurgent Capital Services L.P.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( XXXX ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Fidelity National Financial, Inc
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Service link posed as a company helping us to refinance our home and to avoid foreclosure and we spent appraisal inspections and repairs exceeding XXXX in our home to close. We feel this was done in deceit and to help a debt collector clean up, maintain the house we own so that they can sell our home to pay for a loan of third parties that were not in title at the time they took a heloc and 2 new loans in XXXX, XXXX and XXXX. We also paid XXXX cash to the bank to payoff or at least reduce the house mortgage as per our real estate contract that paid the countrywide loan ( failed bank ) to buy. We have title insurance so the prior sellers, XXXX XXXX and XXXX XXXX are not in title after XXXX and we were told by HUD counselor that those loans do not attach to the house and they maybe collecting against FDCPA and violating the statute of frauds. We complained to the authorities against XXXX XXXX because he emailed us saying that if we do not come into an agreement with him, he will foreclose our personal residence. We were directed by XXXX XXXX to work with XXXX XXXX and his service link to refinance or do loss mitigation but they lied to us. They said " they are tryihg to clear title ''. We did not understand so we talked to an attorney, and he said that the title is in the name of me and my mother and that unless the bank has title insurance, which they should have contact, anyway, the loans are not valid because were obtained by a person who was not in an equity position and the only title insurance we have is the one in XXXX. The bank has not presented any other mortgage policy they obtained as lien holders since XXXX and not even a mortgage statement or dates of discharge of the multiple loans. The customer service gave us a " Printout '' and another later which has a payment one payment after 10 years that " applies to XX/XX/XXXX " which is weird because if you pay a mortgagae it applies to the last missed payment, only lines of credit work that way. 
The service link cheated us and acted as a loss mitigator for refinance and what they are is a group with XXXX and XXXX, aka XXXX XXXX to economically abuse my mom further to lead her to repair the home, do their appraisal and their isnpections and cost mom another XXXX and to me too. Aside from that the bank has moms ' XXXX cash that she paid from XXXX to XXXX that was not applied correctly Looks like the bank is giving money to a person not in title and now they want to collect from someone else that is not a sophisticated person and is XXXX and XXXX  and non represented. 
I believe SErvicelink is their accomplice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I CALLED THE COMPANY RUSHMORE LOAN MANAGEMENT TO GET THE EXACT AMOUNT FOR MY REINSTATEMENT OF MY MORTGAGE SINCE XX/XX/XXXX ( FRIDAY ) WE HAVE BEEN CALLING THEM DAILY BUT UP TO THIS TIME THEY DONT HAVE THE EXACT FIGURES, THEY GAVE US THE NUMBER OF THE FORECLOSURE LAWYER ( XXXX XXXX ) BUT IS NOT PICKING UP OF CALLING US BACK, WE HAVE AUCTION DATE OF XX/XX/XXXX, I DONT UNDERSTAND HOW LONG WOULD IT TAKE TO DO A COMPUTATION, THEY SEND ME BEFORE A REINSTATEMENT AMOUNT BUT ITS ONLY GOOD FOR XX/XX/XXXX, SO WE NOW THE FIGURE, JUST NEED A LITTLE ADJUSTMENT, UNLESS THEY ARE DELAYING US INTENTIONALLY OR DOING SOMETHNG ILLEGAL, PLEASE HELP MY FAMILY SAVE MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: OneMain Finance Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I started a personal loan with OneMain Financial early XXXX. I was told to use their app and so I did. Their app doesnt work. 

Long story short, I changed the payment account on this app from one checking account to another to be auto-debited for paying the installments. This payment account update never happened on OneMains side, even though on the app it said the payment account was successfully updated. Therefore, I went a handful of months not knowing I had missed/late installment payments. This has negatively affected my credit score unfairly as I was unaware that OneMain wasnt getting paid. I did what I was supposed to do! 

I was then told over the phone that they are aware their app doesnt work and theyre sorry about the mix up Sorry doesnt fix my credit score. They told me I had to update my payment account over the phone. This was the only way to do so why do they allow you to update your payment account on the app and on their website then? This is misleading and VERY harmful.

When I tried to update my payment account with them over the phone, the person on a recorded line sent me 2 verification emails she said I had to sign two documents to successfully update my account with them. I only received one email. I never received the other that would finalize this change. You can hear my frustration on the recording. I have several negative marks on my credit score now from this company. I have a 30 day, 60 day derogatory remark on my credit score from OneMain. This is so frustrating! I cant find an apartment now due to my credit! I filed an XXXX Customer complaint with XXXX XXXX at OneMain XXXX, MN. She was supposed to give me a call for the confirmation number if this complaint but never did. I am beyond upset and confused. I changed from acct ending in XXXX to XXXX preemptively in XXXX XXXX  XXXX as I had closed my previous account. I found out around XXXX XXXX that the payments werent being processed even though the app told me payments went through fine! I looked into getting a deferment to buy time to get this paid My emails from one main say payments went through fine!

I did not receive the email necessary for me to update my payment account as directed over the phone the first time. All these calls should be recorded for your review. Im beyond XXXX  over this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 

In one of my attached photos youll see that my app says YOURE PAID AHEAD and then shows A RETURNED PAYMENT FEE OF {$30.00} as of XX/XX/XXXX. 

This is still a problem today! How do I know the status of my account with this confusion????!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent in my XXXX month for PSLF recertification on XX/XX/XXXX. It has still not been processed as of XX/XX/XXXX. I have sent at least XXXX emails, XXXX and XXXX with no response. I talked with a representative on XXXX who told me I had to make the last payment. She could not tell me why the recertification has not been processed. She said it could take 3 months to process that and then 3 months to dismiss the loan. I had to keep paying until that happened and then wait at least XXXX more months to get reimbursed.

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 2023-10-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My dad died almost 8 years ago. My mom died 2 years ago. For 2 years I fought with Carrington Mortgage to get the loan in my name. I finally did that. I have requested a forbearance since XXXX due to the fact that I had to put so much money into a lawyer and everything else to take it over. I also have some work that needs to be done in the home so that myself and my children can continue to live here. Carrington mortgage is telling me that I can not have one since they have already did one. That was before I was added in XXXX. They are giving me nothing but a run around. The under writers are saying they cant read my paystubs that I faxed in, but the other workers are telling me they can and there is nothing wrong with them. Every time I call and every person I talk to gives me a different store and it is never the same. Also when I took the home over I was told I would not owe any fees on the home I would just start with paying a monthly payment. Well now they are telling me I have a bunch of fees that are due and will be added into my loan amount. This company is awful and no help to anyone who uses them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2023-10-24
Company: Nelnet, Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reporting a credit card account not confirmed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting balance effecting credit scorez ; however, the loans are in deferment status and should report a XXXX balance negative impacting the student credit score. I am currenlty a student and all student loans are deferred for 12 months or more. My mortgage application date will conflict with my current credit score harmimg my goal to buy a home fairly. The deferment isn't due to financial hardship, lenders may not include the payment in the DTI calculation. 

DEPT OF ED/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My personal checking account information : JP Morgan Chase XXXX Routing # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX This account has been closed by the bank on XX/XX/2022, with no reason and with a balance {$74000.00}. The bank Promised me that they will send the cashier check to me within 3 months, but I have not received the check yet until today evening I called the bank to complain about 5 times. 
I am waiting for the money painfully and helplessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CREDIT ACCEPTANCE CORPORATION
State: RI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CREDIT ACCEPTANCE CO  : XXXX ; In accordance with the fair credit reporting this account has violated my rights. 15 USC 1681 section 602 states I have the right of privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-10-15
Company: U.S. BANCORP
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked and sent letters to XXXX about an account that was open under my name and they failed to remove the account and late payments being reported

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 2023-11-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is a resubmission of XXXX XXXX The issues raised have NEVER been resolved by Chase Credit card service They do not respond or provide any resolution of the issues stated previously to the CFPB The CEO was contacted several times including XX/XX/XXXX ( letter attached ) *************************************************************************************************** XX/XX/XXXX via fax XXXX XXXX XXXX XXXX XXXX XXXX, CEO : PERSONAL AND CONFIDENTIAL Chase Credit card services XXXX XXXX, CEO : After almost 3 months/days have elapsed, I have not received a reply from anyone acting on behalf of your office to my XX/XX/XXXX letter/fax to your office, or XX/XX/XXXX follow-up request, ESPECIALLY, reply to any of the recurring lack of specifics on issues reported therein ( and commencing with approximately XXXX similar not-descript letters commencing in XXXX of XXXX o ( as documented throughout prior communications. ) I know you closed the XXXX credit card in the name of my spouse, blaming me, BUT, MANY issues raised WERE REGARDING communication for your division about MY CREDIT CARDS that initially were presented via the Chase messaging system personnel, And, in turn, the apparent lack of detail coming from them to your unit AND, subsequently the totally vague lack of details sent to me by your unit. ( as documented since XXXX of XXXX ). 

This appears to be a convenient means to avoid addressing the issues raised by me throughout communications, AND, a display of a lack of integrity and professionalism from a major bank ( and to a retired Chase bank officer ). 

Maybe, your office might deem it appropriate for someone to directly address the issues, Again, maybe not for me, BUT, for other Chase customers requesting assistance using the Chase messaging system/credit card units o the vague lack of detail letter issues could not be isolated only to me. 

A prompt response is requested. 

( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX cc : OCC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked and sent letters to XXXX about an account that was open under my name and they failed to remove the account and late payments being reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
Wells Fargo closed my bank account, they then proceeded to charge my closed account for my auto loan. ( they never once emailed me or messaged me about this matter ) Obviously my auto loan payment was not going to go through because it was set to autopay from the account they closed. 

I have called and talked to them every dam month since this happened. They refuse to let me enroll in auto pay. 

So every month they charge mee a late fee, a processing fee, and they refuse to let me enroll in auto pay so this doesn't happen. 

Not only are they negatively affecting my credit report by putting a missed payment that was there fault for closing my account without notice. 

Furthermore they charge me interest and penalties every month while refusing to let me enroll in autopay from my chase account every month. 

What they are doing is terrible I do not know how they are able to do something like this.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number  : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2023-02-01
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation