BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: Monterey Financial Services 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:
I responded to a sales call about a XXXX XXXX which I later found was a unwanted timeshare contract. I requested that my membership be cancelled but the company called XXXX ( XXXX XXXX XXXX XXXX ) would not cancel the service. They kept part of my deposit and are reporting a {$10000.00} debt on my credit report. " I am disputing a purchase charge to XXXX because the merchant will not voluntarily refund money I paid for a membership in a travel club. On XXXX XXXX XXXX the XXXX XXXX  promised me a membership that promised me several weeks of stay time at a low rate. When I called to book a week stay room at that rate they informed me that lowest priced room was unavailable and I needed to pay more and upgrade room. Second they told me that the alternative low rate mini vacation rate was also unavailable. Last but not least they told me that I could only take advantage of the low one week rate once a year. I called XXXX XXXX to discuss the terms of the contract on with XXXX XXXX and was not satisfied with the terms. On XXXX XXXX I explained to her that they did not fully explain the contract and I wanted a refund but they will not refund the money. I called my credit card company to dispute the contract that day. I also Faxed a rescission contract that day. They asked me how I knew about the rates because my ID had not been issued yet and that is because they offered me two free vacations that I could not book for 2 months and I wanted to vacation before that time. So I called the XXXX XXXX XXXX they provided to me and told them that I wanted immediate booking and they gave me my rate info. On XXXX XXXX XXXX Called spoke to XXXX in Membership department asked why money had not been refunded told me dispute was pending. They have reported account to collections who is reporting Negative credit info on my credit report : Account Number : XXXX Amount Delinquent : {$9500.00} Payment Status : Collection/Chargeoff Consumer Statement : Account information disputed by consumer, meets FCRA requirements Creditor Name : MONTEREY COLL SVC Creditor Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
When working on building my credit, I took out a loan from XXXX XXXX XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which XXXX and TransUnion WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that XXXX and TransUnion will not properly investigate the account is the primary issue. I 've contact XXXX on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.

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 2016-08-19
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX 2016 I called Ditech to make an almost {$2000.00} payment to my escrow account. The XXXX made a mistake and applied it as a payment to the mortgage even though I was 2 months ahead on payments.. I called Ditech in XXXX and brought the problem to their attention and they said they would fix it. They for some reason added {$5200.00} to my mortgage balance and never added my original payment to the escrow account. They have n't been able to explain what happened to the {$2000.00} or where it is. I talked with XXXX ( XXXX manager ) in XXXX and she said that the missing interest would be calculated and added to the balance and the mortgage and escrow accounts corrected. I am still waiting .... I asked XXXX several times where the amount of {$5200.00} came from and she would only say that it was a redistribution and could never explain to me the details of the actual amount of money or why my mortgage balance increased by that amount. I asked XXXX why my balance increased by the amount of {$5200.00} and she kept repeating that it was a redistribution - that does not answer my question. I asked XXXX to mail a letter explaining the redistribution, why the amount of {$5200.00} was added to my balance, and where the {$2000.00} went to ; of course she did not do what she told me she was going to do. 

This problem has been going on since XXXX and Ditech lacks the competence and knowledge to correct their own problem and the only way I find out they are padding their profits and books is by me closely watching my balance. The amount of {$5200.00} plus the almost {$2000.00} needs to be reapplied back into my account, plus interest since XXXX. I also want an written explanation of what caused the problem, what they have done to correct it, why the actual dollar amount ( {$5200.00} ) was added to my balance, where the {$2000.00} escrow payment is, and what are they doing to guarantee this will not occur in the future. 

There should also be fines and fees charged against Ditech. If I owed Ditech over {$7200.00}, plus interest, they would have their lawyers camping at my front door.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
U S DEPT OF ED/XXXX/XXXX  continues to update CRAs with information not on MPN and doesn't reflect school dates.

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 2020-01-05
Company: Experian Information Solutions Inc.
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:
Well to be honest I was sent to XXXX XXXX XX/XX/XXXX. Came home XX/XX/XXXX. So come to find out someone use my name n info on a student loan n put a water bill in my name. Now I gave my XXXX XXXX info to the XXXX but still nothing happen. N this is hurting me.

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 2020-06-16
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have an home mortgage with you Freedom Mortgage. They sent my escrow to the wrong parcel id for 2 years now. I now have a property lien threatening me as the negative balance is - $ XXXX. They have admitted their error, yet continue to give me the run around about why they have not dispersed a check to my county treasurer ( XXXX XXXX indiana ) to catch me up. I have 2 major loans ( 1 being a refi with a different mortgage co ) that had been held up by this and both have fallen through. I have tried and tried and called and called. Im tired of it. My next move is legal recourse to get me the help i need. It has caused major stress on my family ( 1 being my XXXX XXXX XXXXXXXX   wife ) and i as well as caused ( like i said ) 2 loans to collapse. Now they have claimed to have sent out a check to the treasurer on XX/XX/XXXX to cover the mistake. Its XX/XX/XXXX and XXXX XXXX has no record of a check. To make matters worse, freedom mtg took the money to pay for the mistake FROM MY CURRENT ESCROW! Now, my escrow is showing negative $ XXXX and they are asking new mortgage company to add this to the buyout. And it gets even worse. They want {$250.00} from me bc theres not enough cushion in my escrow they stole from. I have filed cases with the Indiana and NJ ATTORNEY GENERAL as well as the XXXX OF NJ. My wife and I want whats right and whats fair. I am extremely concerned for her and my XXXX  child as this stress of dealing with Freedom Mortgage is. Ever ending. Please help.

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 2020-06-16
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to apply for a CARES Act mortgage forbearance through PNC Bank - where 6 months of payments can be deferred until the end of the mortgage, with no balloon payment required. 

I was told that the only loan modification offered to me would be a 3 month forbearance, with a full balloon payment of 3 months of rent due at the end of the period. I was told the CARES Act modification was not available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 Banking XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2020-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America again I have been having problems with Bank of America saying they don't receive my payments in time. I always send them Certified and track when they arrive. The last two months they said they didn't receive my equity payments. Although they cashed the checks for both months. Before that In XXXX they said they didn't receive my Mortgage check they also cashed that and didn't apply it to my accounts. 

This Morning I received a email saying they have not received my XXXX Payments. I sent both payments in a envelope and included the account numbers on both checks. 
I sent this as always certified # XXXX the envelope was received on XX/XX/XXXX XXXX at XXXX XXXX. 
This bank has been playing these games for years. Someone needs to regulate what they are doing. If I didn't send it Certified they would say they never received the payments. 
I was all late charges send back or accredited to my accounts including the two months I paid the Equity loan and they said they didn't receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-05
Company: Sterling Infosystems Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2019, I was contacted by XXXX XXXX XXXX, to inform me that they decided to deny to employ me based, in whole or in part, on information contained in the report furnished by Sterling Infosystems INC . 
Sterling 's failure to employ reasonable procedures to ensure maximum possible accuracy and reporting criminal history information and other adverse information about consumers resulted in an adverse action - denial of employment.

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 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On the same day TransUnion has issued XXXX different credit scores. The XXXX Score XXXX Credit Score for me is stated as XXXX ; however, TransUnion Credit Monitoring is showing XXXX. Also XXXX XXXX had deleted an illegal collection and advised TransUnion to delete this. ; unfortunately, each representative told me it had not been deleted. After arguing with these people, they found that it had been deleted ; but this deleted collection is still determining my vantage score XXXX credit score with TransUnion. It is only with TransUnion that I have such a low credit score. TransUnion had made too many mistakes on the file causing me to have a low credit score. There is a serous problem with the system at TransUnion.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-22
Company: N.A.R., Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection on credit with XXXX XXXX that I have been trying to settle and satisfy. Through my research, XXXX XXXX does do settlements with their customers. In speaking to XXXX XXXX, they have a 3rd party, NAR or North American Recovery handling their collection of this account. When calling NAR, they state that they do not own this debt and are collecting on behalf of XXXX XXXX. I tried to settle this account out with them and they are stating that they do not do settlement agreements. I find this to be against XXXX XXXX 's practices and as a violation of the FCRA collection rules. How can XXXX XXXX allow a company to collect or act on their behalf but have horrible business practices? 
Also, I never signed any disclosures stating that XXXX XXXX  could transfer my personal information to a 3rd party. This company NAR is contacting and attempting to collect a debt from me illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hello i currently have a vehicle that I feel like Im paying so much for it I feel so overwhelm I feel like the dealer just ripped me of for being a first time not that car is not even worth what I owe currently and the msrp for the car now is XXXX I would really like for someone to please help me get out this situation I been paying a high payment ever month and I think this is so unfair I tried getting in contact with the XXXX dealer and all they offer is for me to get a new car which I dont want to I want this resolve I feel so ripped of for the amount I already have paid the one I pay the car to is Santander consumer USA its a 2015 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Klarna AB
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
1. Agent with Klarna Customer Service Lovepreet intentionally repeatedly called me ma'am, despite already knowing that I am male and that my name is XXXX XXXX XXXX. She apologized and then continued calling me ma'am. I asked her to apologize a second time, and she said " I'm sorry ma'am. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XX/XX/XXXX my rate reduction plan was extended. This was confirmed after an extensive financial information check by Navient with myself and my consigner. I received a verbal approval from both the representative and their manager plus was given a confirmation number. I verified my banking info and was checking the correct amount came out my account each month since then. Per the conversation in XX/XX/XXXX this plan was set to last 15 months. 
Today, my consigner 's wife informed me Navient called. I called to check in and make sure everything was all set and was told my account was delinquent. I verified my info and the collections department told me my plan back in XX/XX/XXXX had been denied, but I had not need contacted and they had continued to take out the agreed upon amount. I asked to be connected to be connected to the rate reduction plan line and the 90 day delinquency department refused. They told me I must pay the amount they ensured me I was unable to pay months earlier. I was told someone was supposed to follow up with me but never did. They had no documentation on why I was denied or why I was not contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sued on XX/XX/2019 by the landlord I used to live at with my daughters after I complaint about mold in the property and having my little one sick with XXXX  issues constantly and having to trash the mattress. The manager told me I was lying and I still have proof of it. My paychecks were cut due to the situation I was experiencing since XXXX and I did not payed the rent in XXXX. They sued me asking me for the money and to leave the property. When I arrived to the trial and was my turn I started explaining the judge and was going to show all the pictures and the doctors tests and everything, the judge cut me off stating the landlord did not wanted money they just wanted me to leave. I had already moved on XX/XX/XXXX and the trial was on XXXX so the case was dismissed. I have a letter from the Magistrate Court that I provided to XXXX  and XXXX  which firstly reported it. I started the dispute with XXXX  and they close it a day after requesting documents to prove my identity I have proof of everything. This information has to be removed immediately from my credit. It is not right and is abusive.

Company response to consumer: Closed with explanation