BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Dear CFPB, On XX/XX/XXXX I was hospitalized for a procedure at XXXX XXXX XXXX XXXX XXXX for XXXX XXXX operation. My entire stay in the hospital was less than 2 hours and half hour of that was taken to fill out the paper work. The insurance company XXXX did not pay the hospital bill for the following reasons : On XX/XX/XXXX the XXXX XXXX XXXX XXXX wrote to me ( document in my possession ) : you are not responsible for all the related costs. 
My insurance company XXXX XXXX refused to pay the hospital bill ( see Exhibite A ) CMRE a collection agency bought my case from XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX received judgement against me to pay them about {$22000.00} ( the total hospital charge was {$14000.00} ). I lost the case because I was representing myself. On the same day I appealed the case and hired a lawyer with name XXXX XXXX XXXX to go to the appeal court in my absence, as I was out of the country. The lawyer missed the appeal court and I lost the case On XX/XX/XXXX, CMRE the collection agency started a motion against me to extend the judgment for 10 more years and claimed total of {$41000.00} including interests. Fortunately the judge discovered that they were wrong in their calculation as they were calculating % 10 interests on the combined judgement and interest which resulted about {$6000.00} over charge and the judgement was reduced the debt to {$35000.00}. This made me think that they have used the same wrong calculation for a lot more people ( this collection agency is a big company ). 

On XX/XX/XXXX My lawyer  XXXX XXXX wrote to them and made an offer of {$5000.00} for the settlement or he would go ahead and file suit againg the medical provider for fraud and negligence. 

CMRE has put a lien on my property. 

As my lawyer missed the appeal court I complained against him to the Bar Association and after 3 years Bar decided to suspend the lawyer license as there were 10 other cases against him. 

I would request that Consumer Financial Protection Bureau for a solution and/or a dialog with CMRE to come up with a settlement agreement so I will be able to pay base on my ability. 

EXHIBITE A There has been inconsistencies and excessive billing which raised questions about the validity of records provided by the hospital. 

The hospital in their appeal to the insurance company did not provide additional information insurance company requested to support the billed services. 

The type of XXXX  was XXXX but the XXXX  orders states that the type of XXXX is XXXX The history and physical states that the patient is currently on no XXXX. However the XXXX XXXX XXXX checklist and XXXX XXXX XXXX states that the patient presently takes XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Universal Fidelity LP
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today, XX/XX/2019 I received a debt collection notice from Universal Fidelity LP. They claim I owe money from a company named XXXX, which I had never heard from until today. When I tried to get information they just said called XXXX. When I called XXXX they said they couldnt tell me who placed the order, what was purchased, or where it was sent. Im very concerned that I have been fully sent to collections and have ruined my credit over an $ XXXX charge that is fraudulent. Im concerned that my social security number has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account does not belong to me. I do not remember applying for this card. If this account is accurate why is it only reporting in XXXX? 

The year this account opens is very suspicious to me. I would like to know from the application to transactions made in this account. I need to know how my identity is compromised for someone to open to the account without my knowledge. 

This account was just brought to my attention because of the high balance reported that prevented me from qualifying for a mortgage. I have written to the FTC and disputed this account with XXXX  before and came out to be fully verified. 

This account is preventing me from buying a house and it would make a huge difference if you are able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is inaccurate and therefore needs to be removed 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 2021-03-30
Company: Bliksum, LLC
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019, XX/XX/2019XXXX XXXX XXXX Inquired on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
On XX/XX/XXXX, we paid off our mortgage loan balance pursuant to the instructions and total payoff amount provided to us by Ocwen, LLC. At the time we were informed that, within the next 3 to 6 months, we would receive paperwork showing that the loan had been satisfied and paid in full.

It has now been OVER ONE YEAR and we have not received any documentation showing the mortgage has in fact been " paid in full, '' or have the deed/title indicating the change in ownership, i.e., its ours. To make matters worse, the loan continues to appear as an outstanding debt on both our individual and joint credit reports at an amount even higher than the payoff amount.

Ocwen failed to fulfill its obligations to us, just as it had throughout the entire time it serviced our mortgage. ( If you so desire, we would be happy to provide you with detailed documentation regarding Ocwens failures dating back to at least XXXX after it acquired our loan from XXXX ). 

For now, we ask your help in directing Ocwen to do what should have been accomplished 6 to 9 months ago : provide documentation/paperwork showing that our mortgage has been paid in full, and remove the mortgage from our credit report ( s ) as an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: AZ
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:
We have been attempting to enroll in a Covid 19 program for payment assistance since XXXX. 
Here are the notes we have on our end : XXXX XXXX first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XXXX emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program XXXX temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that XXXX Investors was not reporting any late payments at this time. 
XXXX emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX for an updateXX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XXXX XXXX Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XXXX XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have had unsolicited changes to my report without my approval, and Experian sent me an email stating my FICO score had dropped nearly 100 points because of a XXXX XXXX XXXX XXXX Credit Card glitch in transaction clearing and transfer payments from one acct to the cc account. It was taking one full month to clear due to the use of Snail Mail instead of electronic clearing. 
Experian states they are using a different Scoring System than everyone else, WHICH IS WHY THEY WERE FINED XXXX XXXX . 
EXPERIAN SENT ME AN EMAIL NOTIFYING ME OF THE SUDDEN DROP-AND FAILED TO GIVE THE INFORMATION AS TO WHY THIS HAD HAPPENED. 
INSTEAD, THEY SENT ME AN APPLICATION FOR ANOTHER CREDIT CARD THEY PROMOTE. THIS INDICATES THEY RECEIVE POINTS OR CASH FOR DOING SO. 
THEY ARE INSISTING THAT SENIORS, IMMIGRANTS, AND XXXX PERSONS ARE SCRUTINIZED BY THE SAME REPORTING COMPLIANCE AS WEALTHY PROFESSIONALS WHO OWN REAL ESTATE, STOCKS, BONDS, AND ANNUITIES. 
I WILL BE FILING AN ADA ACT CIVIL RIGHTS ACTION COMPLAINT AGAINST EXPERIAN FOR USING COMPELLANT AND PREDATORY LENDING STRATEGIES TO COERCE A XXXX CONSUMER INTO USING THEIR EXCLUSIVE PRODUCTS. 
THIS IS THE SECOND OFFENSIVE STRATEGIC " SPAM '' EMAILS SENT TO ME, ALONG WITH A CREDIT REPAIR SPAM EMAIL ( SENT TWICE. ) THE FIRST EMAIL PROMPTED ME TO SURVEIL THE WEB FOR CLASS ACTION SUITS AGAINST EXPERIAN. 
THAT IS WHEN I UNCOVERED THE XXXX XXXX $ FINE THEY WERE FORCED TO PAY BECAUSE OF THE CREDIT SCORING SYSTEM THEY USED THAT DID NOT FALL UNDER COMPLIANCE GUIDELINES. 
I FEEL LIKE THEY ARE HARRASSING ME AND USING COERCIVE AND COMPELLANT STRATEGIES TO FORCE ME TO APPLY FOR MORE THAN ONE CREDIT CARD THEY RECOMMEND. 
EXPERIAN MUST USE THE SAME UNIFORM REPORTING SYSTEM AS OTHER AGENCIES. 
THEY HAVE DISTRACTED ME FROM RESOLVING THE CREDIT CARD GLITCH WITH XXXX  XXXX XXXX. 
I AM ASKING WHY WE AS CONSUMERS EVEN NEED CREDIT CARDS, IF IT IS MADATORY THAT THE FULL BALANCE BE PAID OFF DURING THE SAME BILLING CYCLE AS THE CHARGES WERE MADE. CREDIT CARDS ARE SUPPOSED TO FINANCE DEBT. 
WHICH BRINGS ME TO ANOTHER QUESTION. THE XXXX XXXX XXXX XXXX CARD IS A XXXX % FINANCE FEE. IS THERE SOMETHING I AM MISSING HERE? 
MY OTHER FIRST SERVICE CREDIT UNION CHARGE CARD ALLOWS THE CHARGE BALANCE TO EXCEED MY LIMIT. 
I WILL BE REPORTING THIS AS WELL IN A SEPARATE REPORT. 
IN CONCLUSION, CREDIT CARDS ARE PREDITORS IF THEY HAVE COMPELLANT AND COERCIVE STRATEGIES TO PERSUADE THE CONSUMER ( AFTER PANICKING ) TO BORROW MONEY NEEDLESSLY OR USE OTHER PRODUCTS WITH THE SAME COVERT STRATEGIES THAT HARM A CONSUMER 'S CREDIT STANDING. 
THANK YOU, 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 2020-05-08
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was first notified by Sequium Asset Solutions , LLC saying I had an open balance with XXXX for {$470.00}. They assigned me an account # XXXX. 
The account was opened by them on XX/XX/20. They contacted me 2 times in XXXX  and I told them on both calls I was disputing the claim because I had no balance with XXXX. 
I began getting bills from Sequium in XXXX. Reference #  XXXX, for the amount of {$470.00}. 
I have sent Sequium 2 letters, the first letter was sent XX/XX/2020 the second letter was sent on XX/XX/2020.

Both letters asked for validadation of debt and giving them a formal notice that this claim was being disputed. The letters were sent certified mail with returned signature. 
I got no futher calls or correspondence, and the account is now in collections and adversely effecting my credit. 
The amount owed is different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: MARINER FINANCE, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
- XX/XX/2018 I got the 10-day XXXX  that turned into XXXX, which made it impossible to work for 30 days. Not knowing what to do during this time, I had received a check in the mail that you just go deposit, and it says it is a loan at 41 % interest. 
- I am an XXXX  XXXX, a XXXX XXXX XXXX, and I can not control sometimes when I get paid. I am the very last person to get paid in a transaction IF and WHEN it closes. And additional governing factors do not make it any easier. 
- This company would start calling me whenever a payment was late. The very first day past the due date. 2 and 3 times a day. I asked them to contact me after XXXX XXXX  however they never honored my requests and communications with them became literal harassment. Yet their office was never available after XXXX XXXX  to communicate. 
- They sent my account to an attorney and they served me with a civil warrant. 
- I have attempted to talk to the attorney 's office on 3 separate occasions. I asked them to negotiate the amount owed. They did not and told me to contact the company. 
- When I call the company, they will not negotiate on the amount owed. And even the attorney never attempted to negotiate the amount. 
- This company never provided me any terms of this loan in writing and they intentionally make HARD pulls on my credit every 3 months. Intentionally damaging my credit. I told them I did not give them permission to pull my credit. They said they had the right. This is absolutely crazy, so if I pay this off, can they still pull my credit like this. 
- They won't negotiate a lesser paid in full balance. Everyone negotiates. And so because I have an outstanding balance or because they say so because the terms were not provided to me, they just can do as much damage as they so choose. 
- Literally this company is malicious. A mortgage lender would do a soft pull as to not damage the person 's credit. They are intentionally trying to do continued damage. 
- They have even continued to make HARD pulls on my credit even after it has been sent to the attorney. Even though they say they are not allowed to talk to me. 
- Seriously someone needs to review what these small companies are doing to people.

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 2018-10-06
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Yesterday, I went to the Cash Store to see XXXX XXXX who is a manager.She was not willing to change date of payment. I told her I have another loan in same day each of monthly. I will have to pay {$65.00} to the Cash Store every month but my main concern they are rip off {$65.00} is too much. I loaned {$190.00} it should be low payment installment. She was refused to move payment XX/XX/XXXX instead of XX/XX/XXXX.But I would still refuse to pay to due XX/XX/XXXX until we agreed. 
Other guy employee said first month to pay {$65.00} then second monthly will be reduce {$58.00} but I did not understand why XXXX was not aware of this. 
I will address to the U.S.Senator office and contact FTC. Loan payment too higher might be not appropriate. 
I will contact you on Monday or Tuesday. 
Ps. I will request make a copy document from Cash Store next week.

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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please

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 2017-12-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred from XXXX XXXX XXXX to Rushmore Loan Management about a year ago. During that time XXXX sent me a letter that my loan was being transferred to Rushmore and the only thing I was instructed to do was submit my payments to Rushmore home loans, which I did. I received my statements for the first six months and made my payments on time. Shortly after I stop receiving my statements from Rushmore Loan Management. I called to notify Rushmore in regards to not receiving my mortgage statements, in which I 'm entitled. I spoke to a manager and notified him that I was not receiving my statements. The manager informed me that I was in a chapter XXXX bankruptcy, which was discharged XXXX years ago. I then asked the manager how I could start receiving my mortgage statements again in order to submit my payments in a timely manner, also, to have for my personal records. The manager told me to write a letter to give permission to Rushmore to send me my statements, which I did diligently. In addition, I attached my payment for XXXX XXXX. Rushmore sent me a letter in return that they received the letter I sent and payment, and told me they would get back to me in 30 days. Today XXXX/XXXX/XXXX I received a response in lieu of my request indicating that they are not able to send me my statements due to my Chapter XXXX bankruptcy. After my conversation today with another manager, they refused to send me my statements regardless of any legal documents and or receipts I send them. As a consumer I am entitled to receive my statements when submitting money to any company.

Company response to consumer: Closed with explanation