BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: JTM Capital Management, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Representative, I am in a situation that is very complex. A creditor ( XXXX XXXX XXXX  ) sold my debt off to a debt collector/agency who has never contacted me about it. I lost track of the debt, as I had moved several times and had a tough time with job loss and financial difficulty in XXXX. As a result of my effort to clean up my credit reports, I found out that the debt still exists and has been reported as " sold to another office/agency '', balance 'charged off '. 

There were never any attempts by the debt agency, JTM Capital Management LLC, to collect the balance they bought from XXXX XXXX XXXX. The debt amount was last reported as {$550.00}. I have yet to receive any sort of correspondence validating this. 

I have no way of getting in contact with this JTM Capital Management LLC. They have been flagged as having a history of too many complaints by the XXXX ( https : XXXX ) and none of their phone numbers given to me by XXXX XXXX XXXX are active : XXXX, XXXX. 

I've spent hours on the phone with XXXX XXXX XXXX, the original creditor to rectify the situation and I've asked them many times for help. The only response they give me is to contact the debt agency and let the credit reports know by submitting disputes. I've done all of this and noone is able to help me remove this debt from my report. I am willing to pay this debt but there's noone I can pay it to. 

I've submitted two disputes to XXXX. XXXX reached out to XXXX XXXX XXXX concerning the dispute and the bank keeps telling them the debt is legit, yet they have no way of getting me in touch with the Debt agency that has this debt!!! 

I am very disturbed and very concerned about the behavior and function of XXXX XXXX XXXX XXXX credit card department as well as XXXX 's inability to rectify or help with this situation. I have no other place to go and hope you can help me. All I am trying to do is get a hold of the JTM Capital Management LLC debt agency who has my XXXX XXXX XXXX debt so I can pay it off and remove it from my reports! 

I have also reported this as a complaint to the State of Missouri 's Attorney General 's office. This is where XXXX XXXX XXXXi is head quartered. See attached letters. 

Please please help me! 

XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Experian Information Solutions Inc.
State: AL
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 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted XXXX About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed

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 2017-12-01
Company: Meridian Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX I received a notice from Meridian Financial regarding a delinquency on XXXX XXXX XXXX  maintenance fees without ever getting request for payment from XXXX XXXX. Please see below.
Timeline : This property was conveyed ( through divorce inXX/XX/XXXX) to XXXX XXXX XXXX.
Since that date, I ( XXXX XXXX ) had not received any requests for payment of said Maintenance Fees ; therefore, I assumed XXXX XXXX was making payment.
XXXX XXXX filed bankruptcy inXX/XX/XXXX; whereby this property was includedXX/XX/XXXX i provided copy of divorce decree to Meridian. They in turn indicated that XXXX XXXX had not filed an updated Deed of Trust, removing me from the property.XX/XX/XXXXI obtained counsel and an updated Deed of Trust was filed in XXXX County. Copy was provided to Meridian onXX/XX/XXXX.
XX/XX/XXXX Meridian letter received stating XXXX XXXX had accepted the transfer of ownership, but was still holding me accountable for prior Maintenance Fees.

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 2019-04-08
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this account with LVNV collections attorney XXXX XXXX XXXX in the amount of XXXX. I made 3 payments. last payment was received on XX/XX/XXXX. closing this account out. I am still seeing this account open. I was told by LVNV that they havent gotten anything information from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they didn't have any information for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we send a letter to OneMain Financial Group in regards to a letter they sent us dated XX/XX/XXXX that our mortgage in the amount of {$4200.00} was transferred to them on XX/XX/XXXX. We attempted to call them seeking what is this. We were asked to provide personal information. We were leery of this so we generated and mailed out a letter seeking documentation of this mortgage debt. Nothing was provided. We received another letter from them stating the same amount but a different transfer date. It went from XX/XX/XXXX to XX/XX/XXXX. This must be a scam since we do not have a mortgage in the amount of {$4200.00} that was originated on XX/XX/XXXX. The co-borrower, XXXX XXXX, is my husband and we married on XX/XX/XXXX. Any debt occurred after this date would have been in my married name as XXXX XXXX XXXX versus XXXX XXXX. Also, for all financial transactions, we both utilize of middle initial. OneMain Financial has not provided us with any documentation or who the previous lender/servicer was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Halstead financial keep making repeated phone calls, sometimes multiple times within a few minutes. They do not leave message and used cloned local phone numbers to seem as if calls originate locally,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Medical Data Systems, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 I put in a dispute for collection account Medical Data Systems Inc for {$1700.00}, the original creditor is XXXX XXXX University XXXX. This is on my XXXX  report that was disputed through XXXX XXXX. The DOD is incorrect ; Re-aging is illegal. On XX/XX/XXXX I received an email stating dispute was completed, my account is correct and it will stay on 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 2020-05-06
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 a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2019-04-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax unfroze my account without my authorization. 
I froze my credit with all three credit agencies in XX/XX/XXXX. My credit has been frozen since XXXX, excluding brief periods in XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XX/XX/XXXX, Equifax provided my credit report to XXXX XXXX XXXX for someone applying for an account using my SSN and DOB. XXXX XXXX XXXX investigated the account and confirmed that it was created without my authorization. 
I have contacted Equifax ( a ) to freeze my account ( which should have been frozen all along -- I have the documentation ) and ( b ) to let them know I am filing complaints with the CFPB and the Pennsylvania Office of Attorney General. 
I have sent documentation to Equifax ( do not want to include/post it here ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NJ
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7700.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-12-07
Company: CL Holdings LLC
State: CA
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:
Entity has placed an account on my credit report for a debt that I do not recognize and keep calling and sending letters to my home. The amounts always seem to be changing and they call and harass me to negotiate smaller amount. 

Original creditor is XXXX XXXX, and theyre claiming I owe {$1500.00}?? But on a credit reporting website I use its stating {$1000.00}?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
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: Account status incorrect

Complaint:
I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2017-12-01
Company: Rocky Mountain Recovery Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in XXXX. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, XXXX XXXX, continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX billing cycle show two payments one for XX/XX/XXXX and one for XX/XX/XXXX. the XX/XX/XXXX payment was credited to the wrong month XX/XX/XXXX and a XXXX late fee happened. The statement date is the XX/XX/XXXXof every month. I am on ssdi and is paid on or around the third of every month. I have used my banks bill pay service and never had a payment prepossessed to early. The same issue happened again in XX/XX/XXXX statement. two payments made on the same month. by the dates the second payment was after the XX/XX/XXXX of the closing date again and paid on the second day of the month. Called capital one and they said there two closing dates one on the statement and one that the billing cycle. and that the payment cam in on the second they were processed on the prev billing cycle. I spoke to multiple people 5 days apart on the second late fee of XXXX to have it removed. they would not remove it as they said it was on there billing cycle. I told them by truth in lending law the XX/XX/XXXX of the month was the closing date for payments. any payment after the XX/XX/XXXX had to be posted to the next month billing. there cant be two closing/billing cycle dates. they will not remove the second late fee of the account any penalty for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08
Company: Remitly, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$100.00} from XXXX as to XXXX XXXX on Friday XX/XX/2019 Recipient : XXXX XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX IN REVIEW XXXX {$1800.00} Your transfer is currently in review. 

Your transaction will be reviewed by XXXX XX/XX/XXXX PDT. 
TRACK YOUR TRANSFER And still not available for pick up! I tried to talk to them and nobody can get back to me! 
Please help my mom needs the money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
I have a car loan from CHRYSLER CAPITAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHRYSLER CAPITAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CHRYSLER CAPITAL with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to no avail to have Selene finance address my concerns. They have not applied payments that I made, they have continually refused my payments, all I want is for them to go over my account and fix their errors and take my payments, there is no need for this unless they are trying to foreclose on my home without good reason. I have all the money I believe I owe them but if they don't go over the account or answer my questions I have no alternative but to come to you for help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: The J. G. Wentworth Company
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold 132 annuity payments to J.G. Wentworth in XX/XX/XXXX, {$1900.00} each. Totaling {$250000.00}. I received {$30000.00}. I contacted them to see if we could renegotiate the deal but was told there was nothing they could do. The payments start XX/XX/XXXX and end XXXX. I was led to believe that the reason I received so little was because of the risk they were taking. There is no risk. The payments are guaranteed and insured. Even if I died before XXXX the payment would then go to a beneficiary. I feel mislead and ripped off. 

When I contacted them for copies of all the documents related to the deal, I was sent the wrong papers. I tried 3 times before giving up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: PHH Mortgage Services Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home. 

AS you can see PHH mortgage does not have a good record. 

https : XXXX They refuse to honestly review my situation for a modification. I just want PHH to review my hardship application, stop making demands for the same information over and over, and give me a final answer once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
refer to CFPB Complaint ID : XXXX which Suntrust Mortgage failed to answer either portion of the initial complaint and gave FALSE information to CCFB in the response. The stated " NOTE TO SETTLEMENT AGENTS : If you request an expedited payoff statement, a fee is charged to you, not the mortgagor for each such request. Therefore, if you did not request the payoff statement to be faxed, the third party that requested them is responsible for the fee '' when in FACT they add the fee to my statements. I have two showing on my XX/XX/2020 statement even if they were refunded, they should not have been charged to my account with out my EXPLICIT approval. They also stated " we have no control over how the credit reporting agencies report data or what information they include on the credit report '' when if FACT the credit agency would not have the full account number if they did not provide it! so they do have control over it! 
They are charging a lot of people fees without proper authorization and this should STOP

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 2018-04-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Signed up for the American Express OPEN Starwood Preferred Guest Business Credit Card and approved on XX/XX/2017. Promotion stated XXXX SPG points after {$6000.00} spend in the first 3 months and an additional XXXX points after {$10000.00} spend in the first 6 months. Met the requirements and no points awarded. After multiple calls my case was placed under investigation, told to wait 8 to 12 week. No points awarded. Have called multiple times to XXXX   OPEN and no explanation given.

Company response to consumer: Closed with non-monetary relief