BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collections account from Receivables MGMT Corp # XXXX appeared on my credit report that I didn't recognize. After my research into this account, this account is not mine and is fraudulent in nature. I have never conducted business with this company or creditor. I have notified the credit bureaus and have sent in the id theft report backed by the FTC. This fraudulent adverse account is harming my credit files and I demand this account be removed immediately from my credit files by Receivables Mgmt Corp # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: SYNCHRONY FINANCIAL
State: MN
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 had a XXXX XXXX membership card with a Credit card issued by Synchrony Bank. The Account Number was XXXX XXXX XXXX XXXX. The said account was replaced with a new Master Card issued by Synchrony Bank bearing Account XXXX XXXX XXXX XXXX XXXX. However it seems the old account was never closed by Synchrony Bank. I have been using new XXXX XXXX card and associated with Account # XXXX XXXX XXXX XXXX. 
I recently noticed old account was never closed and I was un aware and recently I got reported a delinquent payment of {$14.00} and it impacted my Credit Score negatively.

I spoke to Synchrony Bank person and have closed the account which was supposed to be closed when a New card was issued in lieu of old account but they have not corrected the issue.

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 2017-11-09
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Apparently a company called TSI has made repeated calls to my parents home phone after being repeatedly told that this not my phone number. Additionally I know nothing about this supposed debt and have not been provided anything whatsoever in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Our hardship started in XXXX. We contacted the servicing company at that time was XXXX. 
We were told that since we were not behind on the mortgage we had to wait before we could get any help. After being very fearful of losing their home, they talked to some friends and acquaintances and they recommended a law firm located in XXXX XXXX, NY and promised a solution of a modification and they would get us back on track with XXXX XXXX very quickly. They requested {$6000.00}. XX/XX/XXXXXXXX immediately and they borrowed the money from the husband 's boss and paid feeling very secure that the promises were true. For whatever reason the law firm was closed by The District Attorney. 
We were not able to get our money back or any of our documents. 

After going through that huge disappointment, there was a cease and desist on our account that took over a year to get removed from the account so that someone would even speak to us. While we were with the law firm we had to pay {$500.00}. pr month for the promised help they were supposed to do for us. After being able to talk to the servicer on our loan in XX/XX/XXXX. 

We notified XXXX that we were back to work and ready to start making mortgage payments. We have had at least 15 different representatives working on the account. 
After working with XXXX for so long the account was transferred to a new Servicer SLS XX/XX/XXXX. All of the work that was put in in XXXX was not considered at ll and we had to start over and they rushed us into foreclosure.

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 2021-02-22
Company: MONEY SOURCE, INC., THE
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Servicer The Money Source FHA loan Attorney General of Massachusetts involvement Forbearance option due to Covid 19 pandemic This issue arose in XX/XX/2020. The Money Source steered me into the wrong direction that profits them substantially and did not give me the option to pay back my missed payments. I contacted my AG for Massachusetts. My AG took an extended period of time trying to resolve this issue. I found this was a calculated effort because I found out from the AG himself that he was a mortgage servicer in the past, so I feel this is blatant conflict of interest. Plus it is hard to pursue much now because he knew that drawing out the time, it would make it more difficult for me to make a case of my own with my own counsel. Now I have a forbearance option that I was forced into by my servicer, an AG that helped their process, which makes it harder for me to refinance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: FL
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:
DEPT OF ED/XXXX shows XXXX XXXX and XX/XX/2019 not current. {$37000.00} this info is incorrect, I was in forberance during this time. 



DEPT OF EDXXXX shows XXXX XXXX and XX/XX/2019 not current {$31000.00} this info is incorrect, I was in forberance during this time. 

I am trying toi purchase a home and this is affecting my options. Can you please correct this information 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 2018-11-11
Company: CITIBANK, N.A.
State: NY
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:
There is a charge in the amount of {$450.00} on my credit card, posting date XX/XX/2018. 

I do not recognize this chargew. 

I contacted citibank, and they indicated that, according to their records, this charge was made with the credit card physically presented. 

The only option given to me was to state that this was a fradulent charge and the card would be cancelled. 

To avoid this, citibank said they would send me details of the charge by mail within 7 to 10 days.. 

On XX/XX/XXXX, I again contacted citibank to check the status of my request. 
I was then informed that I would have to wait 6 to 8 weeks to receive this information. 

I then requested that a temporary credit be issued pending the resolution of this dispute ; I was told no, even though this is standard practice of other credit card companies.

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 2018-08-19
Company: Experian Information Solutions Inc.
State: IN
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:
A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my XXXX  report of {$98.00} that should not be on my report because it was fraudulent.

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 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my XXXX report of {$98.00} that should not be on my report because it was fraudulent.

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 2018-11-11
Company: EQUIFAX, 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 XXXX - have closed my account in the beginning of XX/XX/2017 without contacting me. They kept sending me the bills and at the same time they have put my card in collection. They started saying I had to make full payment to stop the collection and/or accept they high interest if I had a payment installment. For that reason I didn't make XX/XX/2017 payment and I contacted XXXX XXXX XXXX XXXX to help me negotiate the interest and have monthly payments I could afford. It was negotiated in XXXX and even though we had the agreement they kept reporting late payment to the credit bureaus. I would like it to be removed from my credit reports as I made payments agreed on time and I have a proof of it. Also, if they could remove XX/XX/2017 late payment as well, as I believe I though the minimal payment was done and they never notified that it wasn't. I feel very hurt my XXXX XXXX because they have put my account in collection without first talking with me about it and trying to find a great and fair agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
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 XXXX - have closed my account in the beginning of XX/XX/2017 without contacting me. They kept sending me the bills and at the same time they have put my card in collection. They started saying I had to make full payment to stop the collection and/or accept they high interest if I had a payment installment. For that reason I didn't make XX/XX/2017 payment and I contacted XXXX XXXX XXXX XXXX to help me negotiate the interest and have monthly payments I could afford. It was negotiated in XXXX and even though we had the agreement they kept reporting late payment to the credit bureaus. I would like it to be removed from my credit reports as I made payments agreed on time and I have a proof of it. Also, if they could remove XX/XX/2017 late payment as well, as I believe I though the minimal payment was done and they never notified that it wasn't. I feel very hurt my XXXX XXXX because they have put my account in collection without first talking with me about it and trying to find a great and fair agreement.

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 2018-02-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/ I wrote a letter to XXXX  explaining the financial hardship I'm going through due to loss of a family member and helping with funeral cost. I asked them to accept a reduced payment for the next 2 months on my debt starting XX/XX/XXXX.I stated that I was not able to meet the current payment of {$160.00}. I will pay you {$50.00} per month during this emergency starting in XXXX. And I also asked if they could not send my account into collections and stop interest. The company has responded but did not state that they would assist me during my financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Experian Information Solutions 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 XXXX - have closed my account in the beginning of XX/XX/2017 without contacting me. They kept sending me the bills and at the same time they have put my card in collection. They started saying I had to make full payment to stop the collection and/or accept they high interest if I had a payment installment. For that reason I didn't make XX/XX/2017 payment and I contacted XXXX XXXX XXXX XXXX to help me negotiate the interest and have monthly payments I could afford. It was negotiated in XXXX and even though we had the agreement they kept reporting late payment to the credit bureaus. I would like it to be removed from my credit reports as I made payments agreed on time and I have a proof of it. Also, if they could remove XX/XX/2017 late payment as well, as I believe I though the minimal payment was done and they never notified that it wasn't. I feel very hurt my XXXX XXXX because they have put my account in collection without first talking with me about it and trying to find a great and fair agreement.

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 2018-08-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Problem is with JP Morgan Chase, It started in XX/XX/XXXX when my grandmother passed away I notified the bank because i was informed in XX/XX/XXXX i was listed as payable on death beneficiary had to provide my names/address and SSN. the branch was aware that i did not reside in same state as my grandmother when i notified them by phone in XX/XX/XXXX i was handled poorly by branch rep who assisted for p.o.d account because of family conflict i was advised to go to court to straighten things out but p.o.d account does not need anything from court so assuming i was giving the correct info i ordered death certificate and contacted probate and was giving a long list of things i must have before i could start probate process which didn't go smooth or as quick as planned i finally got everything and filed small affidavit only to learn her account was closed out i never claimed p.o.d funds ( even mailed me letter clearly showing the amount and my name as beneficiary ) and chase says it's too late for them to pay me or assist because deadline to claim has passed then her safety deposit box was removed and sent to other location and i am now told it was empty hard to believe she was paying for a empty box for years but i have no way to verify contents and branch manager rudely let me know they don't have to provide any further information this whole company has handled me, my grandmother 's account, property poorly i am disgusted and hurt and in need of someone to hear my story and assist or point me in the direction of real assistance no a oh well you missed the time good bye

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I came across partial copies of the XXXX Federal Student Loan Disbursement notice from XXXX who happen to have some of my loan paperwork I requested for 2.3 years. Financial Aid office at XXXX XXXX XXXX University still to the day refused to give me copies of my entire student file including accounting information and registration files that are under two student ID numbers they created. Fraud and embezzlement committed by the supervisor that runs the financial aid department and others who work in that department. Accounting along with registration had fraudulently double charged me tuition fees each quarter from XX/XX/XXXX-XX/XX/XXXX. Dean of admissions XXXX XXXX instructed all staff employees not to speak to me regarding this matter. XXXX XXXX refused to speak to me and ignore multiple emails sent to her. I received grant money that the financial aid department took the funds and created new loans of Pell Grant funds. Money that was supposed to be sent back to the bank never did. First two loans non-sub and sub loans funds are divided into 3quarters. I was out for 1 quarter ( W8 ) first two reimbursements was for F07 Unsub- {$1600.00} F07 Sub-loan {$1800.00} ( WI08 ) Unsub and Sub loan funds were not returned, financial dept created multiple loans using a student ID under my social security number. The financial aid department knew I was a part-time student and not full time. The XXXX disbursement notices list the loan amount the disbursement dates and dollar amount each quarter. But the total of the loan amount is doubled. See attachments. Attached is the only promissory note I ever did online and it is XXXX University policy for students to come to the financial aid office to review MPN and sign the hard copy. Also in XXXX own catalog it states that only one MPN signed to be use for student loans not multiple MPN. I refuse to pay for the money that was embezzled by employees in the financial aid and accounting and registration department. I entered XXXX Unversity in XX/XX/XXXX grade level ( 3 ) each XXXX loan documents were changed to grade level ( 1 ) and total loan amount doubled but listed on the NSLD as half of the student loan dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
they are trying to collect a debt older then 2 years which is outside the statue of limitations without ever sending anything verifying any debt owed or any correspondence at all

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: LendUp Loans LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX my payoff amount on a {$500.00} loan was {$260.00}, I was paying {$48.00} a month. I was told if I paid off the loan with my debit card I could re-loan. I asked if I would be able to barrow more once the loan was paid off and I was told I would find out when I paid it off. OnXX/XX/XXXX I  paid off the loan with my debit card and when I went to re-loan I was told I could get up to {$900.00} and I could pay it off in 12 months at {$88.00} a month. After answering some questions about income which were the same questions I had answered in the past to get the {$500.00} loan I was denied the loan and was told I could ask for a loan on XX/XX/XXXX. At no time was I given the option to barrow a lesser amount. I called XXXX and spoke to a XXXX  and explained what had happened and I was basically told there was nothing they could do to over ride my payment to get a refund or barrow a lesser amount. Both my wife and I are both XXXX, my wife gets paid on the XXXX  of the month and I get paid on the XXXX Wed of the month. This has caused a financial hardship and cause us to lose close to {$400.00} in over draft fees which has caused us to not pay bills or buy my medication. Had I known I was not going to get the loan I would have never paid it off. I filed a complaint with my bank and as of today XX/XX/XXXX there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX, XXXX, XXXX/XXXX  Equifax mortgage XXXX XXXX XXXX XXXX Above companies as a result of data breach in 2017 were fraudulent and should be removed from all credit agencies. Thank you for your help. 

XXXX XXXX XXXX and XXXX has 10 late payments that should be removed. Payments were as a result of identity theft issues and fraudulent accounts. The late payments are causing discrimination and we are unable to refinance or get loans, credit cards, credit because of the identity theft and financial ramifications. Our lives have been ruined and we need help with clearing our name and restoring our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments. The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.

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