BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: Medical Data Systems, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter stating a medical bill I was unaware of was sent to collections. Immediately, I called to resolve the matter and make payment arrangements. They declined what I could afford and told me either {$5000.00} down and {$5000.00} the following month or 3 consecutive payments of {$3000.00}. The told me this was the only way they could accept my payment and I told them I would see what I could try to figure out. 

After confirming with my options that those just are not realistic arrangements I called them to atleast make a payment and see what I could continue to afford. They told me they could not accept my payment because it wasn't enough and that they are now going to put it against my credit. I tried multiple times to have them take my payment and they declined. I asked them if I were to go online and make a payment, since they would not accept it, if they would send me a notification with my new balance owed before reporting to my credit and she said they don't do such a thing. 
The fact that she declined my payment and refused to come up with a realistic arrangement for monthly payments is completely unfair. 
The company 's name is XXXX XXXX XXXX. She was a senior representative and her name was XXXX. The most recent call took place on XX/XX/XXXX at 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 2019-11-18
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
WE WERE WORKING WITH THE LENDER TO DO A LOAN MODIFICATION - SENDING DOCS BACK AND FORTH - WE HIRED SOMEONE TO OVERSEE THE PROCESS - AN INDEPENDANT INDIVIDUAL NOT A LAWYER AND HE FAILED US - DURING THE LOAN MOD PROCESS, WE HAD JUST SENT THEM DOCS THEY REQUESTED - THE NEXT THING WE KNEW THE HOUSE HAD A FORECLOSURE NOTICE ON IT. I WAS IN MEDICAL SCHOOL AT THE TIME AND HAD NO TIME OR RESOURCES TO DEAL WITH THIS, BUT I DO NOW THAT I KNOW YOUR ORGANIZATION EXISTS.

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 2022-02-01
Company: SYNCHRONY FINANCIAL
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:
I am writing to dispute the following information that Synchrony Bank supplied to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of my credit reports. 

This item credit card account with Synchrony Bank ending in XXXX is inaccurate because Im NOT 30 days late for the month of XX/XX/2022, when they reported this action on XX/XX/2022. 

Also, Federal Laws ( FCRA ) prohibit your company from reporting any derogatory actions while Im disputing this account with your company. Therefore, I am requesting that Synchrony Bank have this item removed/deleted for my credit report with all three bureaus above. 

Enclosed are copies of my credit reports and the disputed correspondence mailed to Synchrony Bank to provide proof that I owe the current amount on this account. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible.

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 2019-03-26
Company: EQUIFAX, INC.
State: AR
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:
on XX/XX/219 got a letter from XXXX XXXX indicating they are unable to re-insert my 2 accounts XXXX back into a bureaus as required by law. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took a car loan out for {$15000.00} on a XXXX XXXX XXXX through credit acceptance in XXXX. I set up automatic payments for my payment to be taken out of my bank account. It has been years and I thought my loan was almost paid off. I have never been sent late or repossession papers or any correspondence at all. 

I was just sent a letter from a law firm stating I owe {$15000.00} on a car that is now worth less than {$1500.00}. I don't understand how this could happen. How can a company say you owe them almost the balance of when the loan originated when I haven't received anything saying I'm late or in jeporady of defaulting. 

Please help this is not right. 

Thank you, 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 explanation
Consumer complaint received 2020-08-22
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: Old information reappears or never goes away

Complaint:
There are multiple Hard credit inquiries for the same credit check on the account. 

XXXX XXXX was never given permission to pull hard credit but they did I called the bank they have denied to take out from Credit report. 

Please help me fix the issues currently my score is XXXX but my goal is to take it to XXXX I have been working hard to get there but some of the company hurts people like me to reach my goal. Please help me Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've filed a report on Federal Trade Commission website on XX/XX/2019 about an unknown/fraudulent BK reporting on my credit report and have sent the copies along with my info and letter with explanation to the reporting bureaus ( TransUnion and XXXX ) on XX/XX/19 to remove the incorrect reporting from my credit reports. They have all the necessary documents in order to take an action and to remove the incorrect info, but instead they refuse to do anything.

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 2021-11-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After multiple disputes, this company continues to falsely report that I owe them a debt. They have not responded to any disputes or sent anything in writing to confirm by debt with them wich is law

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 2018-06-26
Company: Receivables Performance Management, LLC
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:
Theres inaccuracies in my XXXX report showing a collection for {$100.00} from XXXX XXXX opened on XX/XX/XXXX. Another inaccuracy is on my XXXX report from XXXX   XXXX for {$500.00} opened on XX/XX/XXXX. I pay all my bills. These are not my collections/accounts.

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 2021-05-06
Company: EQUIFAX, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the creditors ( US Dept Ed, Dept Ed/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit of XXXX XXXX XXXX, Suite XXXX in XXXX TX XXXXcontacted me by phone on XX/XX/2018 claiming they were trying to collect a debt owed by me. 

I was unaware of said debt and dispute the validity of this supposed debt. They threatened to damage my credit history and take legal action against me if I did not pay. When I continued to assert that the debt was invalid they called me a " XXXX son of a XXXX '' and demanded that I provide a credit card number to pay immediately. At this point I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: CO
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 on 3 occasions reached out to XXXX, XXXX, AND EQUIFAX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Credit Resolutions, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is my second complaint against Credit resolutions LLC. regarding the same acct. In my previous complaint they responded that it was resolved. This was intentionally misleading. They have continued to try to collect on the same bill that was shown to be illegitimate. My insurance company has proved that the claim was never submitted and the acct. was sent to collections. By the time the provider submitted the correct claim it was outside the 6 month timely filing clause my insurance provider has. Per XXXX 's contract with this provider I am not liable for any costs. This collections agency irresponsible behavior has now caused me to be denied a mortage loan pre-approval.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Sun Trust Bank.

I deposited multiple checks from an employer. 
One check XXXX {$17.00} was accepted, then a few days later returned due to : Closed Account I was charged a {$12.00} overdraft fee for funds being insufficient. Have had multiple fees at {$36.00} tacked on since. Totaling my account to - {$190.00} Ive spoken on the phone ( multiple times ) with customer service. They have reassured me that the fees would be reversed and my account would be taken back to the positives. But it has yet to happen WEEKS LATER. Today I called and spoke with a manager who refused to offer up a solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. I sent a money order to Zwicker and Associates for {$300.00} that was received on XXXX. Zwicker mis-routed the money order and paid someones account for XXXX. 

2. I made numerous phone calls, which I didn't document at the time to get it resolved. They eventually discovered that they had sent my money to the wrong account instead of my XXXX bill. I then XXXX overseas in XX/XX/2020 to XXXX and my father continued to follow up on the issue. He has a Power of Attorney to conduct business on my behalf. All the subsequent actions after this were conducted by my father while he kept me apprised of his progress. 

3. Called the morning of XXXX. I ( father ) talked to the XXXX side representative who told me that I had to talk to XXXX directly. I called XXXX who told that I needed to talk to Zwicker as they had not received the {$300.00} mis-directed payment for XXXX account. I called Zwicker back at XXXX and talked to someone with Zwicker. He had just received an e-mail at XXXX saying that a {$300.00} refund was requested to be sent to XXXX. 

4. I called on XXXX and talked to a XXXX manager XXXX XXXX. She told me that she would talk to the person who was handling the account as the refund was never sent to XXXX. She said that she would talk to her boss. 

5. I called again on XXXX and talked to XXXX XXXX who said that she had sent an e-mail on XXXX to XXXX XXXX, a Zwicker manager who had previously been handling the issue, and to the person currently handling the account. She said that she had not received an answer back yet. I asked her if she had talked to her boss yet and she said that she hadnt. 

6. I called on XXXX and talked to XXXX XXXX. She said that XXXX had sent them a check but that they couldnt find it. Zwicker requested the check number from XXXX. I proposed that Zwicker pay us the {$300.00} and then they could pursue the issue with XXXX. XXXX said she wasnt authorized to do that and that she had to talk to her boss. She said that her boss had left for the day when I asked her to talk to him. I then requested that she talk to him about my proposal. 

7. I called on XXXX to talk to XXXX but she wasnt available so I talked to XXXX XXXX. She said that internal correspondence on XXXX indicated that the check was authorized to be sent directly to me from XXXX. She expected it to arrive no later than XXXX. She requested that I inform her when the check arrived. The check has never arrived. 

8. On XXXX I filed a XXXX XXXX XXXX complaint in XXXX name. The complaint number is XXXX. Ive not heard from the XXXX  as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I first noticed Berlin-Wheeler placed a collection account on my credit profile for a balance of {$410.00} with XXXX, XXXX, and XXXX. I then sent them a request to validate this account because it was paid before going into collections, and they got that letter XX/XX/2019 via certified mail receipt # XXXX XXXX XXXX XXXX XXXX. They replied by sending me what is suppose to be a statement but that amount shows {$350.00} as well as their account number of XXXX. The account number they are reporting is XXXX and they continue to report that number, the amount allegedly owed as {$410.00} and they have not marked the account as in dispute although they received my letter XX/XX/XXXX and update their account with the credit bureaus XX/XX/2019.

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 2018-04-28
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am having with my mortgage servicer Ditech, Formerly Green Tree Servicing. They have the same employees from Green-Tree because I was told by an employee after I was abused again on the phone. Im sure that you are aware, but in case you arent Green Tree Servicing was issued over 60 million in fines for bad practices. I am unfortunately one of their customers and I have nothing but issues with them from the time my loan was sold to them. I am first and foremost a human. I became sick. I was receiving abusive phone calls from them every day of the month after the first day of the month. Any dealings with them were starting to be ignored by me and I stopped answering my home phone all together as I was just simply overwhelmed, sick and beginning to break down emotionally. I have a crazier situation in my neighborhood, but it would take a much longer letter to explain. I got a mortgage modification, and after about a year of this modification my mortgage went up in price. I am a human and as a human we make mistakes, so for five months I did not realize my payment went up. Green Tree because of the escrow shortage made it a full payment ( considered it to be that I missed a month-Instead of treating it like escrow. I was told by a supervisor on XX/XX/XXXX & I recorded the phone call that they would not report escrow as being late, yet that is exactly what they did. I had continued making my regular payment on-time, without the escrow increase unaware. When I realized it I immediately started to send extra. Ditech ( formerly Green Tree ) admits I made a payment arrangement with them. After making a payment arrangement how can you continue marking the on-time payment that includes and extra payment towards the escrow late? They admitted I made a payment arrangement with them & yet they continuously mark me 30 days & 60 days late. I was being marked late from XX/XX/XXXX XXXX the whole year of XXXX. I am in possession of the credit report, the printout from the mortgage company of the dates when they received the payments. I am getting no-where on the phone and they are unwilling to take those lates off of my credit. I get the run-around on the phone. These lates are not just marks on a paper, this is my life we are dealing with. Right now I found the perfect house, but I can not get mortgage approval ( its the only thing holding me back ) its urgent as I dont want to loose out on that home, its perfect amount of space, taxes are good, away from this community and private. I am trying to get a better life for my kids, we are currently a family of XXXX in a 860 sq ft home. The private community in which I live is a struggle. While I am grateful that I own a home, and I have a roof over my head, its not a toxic situation and I am asking you to please help me. This is bad practice. Please follow up urgently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing with regards to the closure of my Chase Freedom, Chase Freedom Unlimited, and Chase XXXX cards. The reasons given to me were that 1 ) I have too many credit inquiries and 2 ) I have too many cards. 

Regarding the first point, Chase inquired into my credit twice for the XXXX card and the duplication is being removed. I received a letter dated XX/XX/18 confirming this from Chase. In relevant part it states : Weve sent a request to the credit reporting agency shown below to mask the inquiry from XX/XX/XXXX. And this inquiry will be removed within six to eight weeks, according to Chases Credit Bureau Specialists. 

As to the second point, the only card I have opened as of 2018 is the XXXX card. This was a card that Chase solicited and pre-approved me for. They claim that this is the 4th card I have requested with them and this is not the case. 

I have inquired as to whether there are any other reasons and the chase banker I spoke to on XX/XX/18 claims that these reasons i am deemed a credit risk. 

Objectively this is hard for me to stomach : I have banked with chase for 11 years ( Since I was XXXX XXXX XXXX ), I have never missed a payment with chase or otherwise. And they were informed that I am currently working at XXXX 's law library while I study for the bar before I begin my legal work on XX/XX/XXXX making XXXX a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: TRANSWORLD SYSTEMS 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:
Theres inaccuracies in my XXXX  report showing a collection for {$100.00} from TransWorld Systems opened on XX/XX/2017. Another inaccuracy is on my XXXX report from XXXX XXXX for {$500.00} opened on XX/XX/2017. I pay all my bills. These are not my collections/accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
See my complaint XXXX with XXXX XXXX XXXX on XXXX. The response lists Receivable management services as buying the XXXX XXXX XXXX debt onXX/XX/XXXX. To date, I have not received verification of this debt from Receivable management services or any other company. I havent received written letters from Receivable management services too.

Company response to consumer: Closed with explanation