BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-22
Company: Receivables Management Partners, LLC
State: IL
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:
RMP Services is a collection agency for medical bills. I have been trying to resolve this by calling them multiple times but their telephone lines never work. It is against the law for medical bills to impact your credit score and be reported as delinquent. I have insurance and had insurance at that time and they have not allowed me to go through my insurance instead of paying the full amount which I should not because that is the whole point of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: SC
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:
Equifax and XXXX are refusing to delete information on my credit report that is clearly dismissed through the court I feel these companies have completely lost the reason they exist which is to CORRECTLY REPORT what they are told .... I feel these 2 companies are more focused on cronyism vs professionalism and I need clarification as to what exactly these companies are and should do as far as Transparency EQUIFAX : is a FRAUDULENT company that has ZERO INTEGRITY and refuse to provide the services to consumers that is deemed worthy XXXX  : is another company I have PAID MONTHLY for their services of which they have not provided BUYER BEWARE DO NOT SUBCRIBE TO XXXX FOR ANY OF THEIR SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

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 2015-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Credit bureau is not blocking the information on my credit report that was reported fraud. Police reports and FTC affidavits have been submitted as proof. This is in violation of the Fair Credit Reporting Act section 605B. When I contact the fraud department with Equifax , their answer was " Write our legal team ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Green Tree Servicing , LLC. XX/XX/XXXX-Present Green Tree Servicing deceptive business practices against us in connection with our loan related to but not limited to deceptive servicing practices, deceptive and harassing collecting practices, deceptive and unfair credit reporting. deceptive acts and practices regarding and related to our short sale including an XXXX hour demand upon us and forcing us to pay an additional large sum of money in the approx. amount of ( {$9700.00} ) before Green Tree would release their lien, jeopardizing one short sale and in violation of negations with us and our lawyer for the short sale of our home ; delay of the short sale ; Green Tree referral of our account to loss mitigation in direct violation of our agreement and false and misleading negotiations with consumer ; failure to report our payments since XX/XX/XXXX to any credit agency ; intentional and malicious interference with our correcting inaccurate credit reporting with XXXX, failure and refusal to provide any us with any statements, payment history after numerous requests ; failure to abide by written short sale agreement and reported as loss mitigation ; false and misleading debt collection practices at our employment and home ; refusal and failure to recognize our joint written agreement related to short sale ; early morning and late evening harassing phone calls. The following documents are key documents regarding the actions described above but are not limited to the following and incorporated herein by reference. Affected consumers attempted to upload such documents and did experience problems with same:1. XX/XX/XXXX Payoff Agreement between Green Tree and affected consumers. 
2. XX/XX/XXXX letter from XXXX XXXX, XXXX. to XXXX XXXX, Green Tree. 
3. XX/XX/XXXX HUD-1 Settlement Statement - {$9700.00}. 
4. XX/XX/XXXX letter from Green Tree to affected consumers - affected consumers account turned over to Recovery Department - Loss Mitigation. 
5. XX/XX/XXXX recorded Partial Satisfaction of Deed of Trust. 
6. XX/XX/XXXX letter from XXXX XXXX, XXXX. to Green Tree. 
7. XX/XX/XXXX letter from XXXX XXXX, XXXX. for Credit Reporting agency dispute of reporting by Green Tree. 
8. XX/XX/XXXX letter from XXXX XXXX XXXX to XXXX dispute of reporting by Green Tree. 
9. XX/XX/XXXX letter from XXXX to XXXX XXXX deleting Green Tree reporting to agency. 
10. XX/XX/XXXX letter from Green Tree regarding affected consumers attempts to resolve inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Thank you for assisting with this issue. Each year, I receive a notice from my mortgage company stating that my escrow account has a shortage. I paid it one year and each year I receive the same notice. I 've already contacted the XXXX county tax and assessment and was told nothing has changed far as property value and the home insurance has not increased. At this point, it is very frustrating and has caused a great amount of XXXX. Also, I received a letter stating the my PMI will be terminated and to date I 'm still paying for that. I call the mortgage company and get placed on hold for long periods of time until I ca n't hold on any longer. I call back and get placed on hold again. I need some help with this and a resolution to the issues described in this complaint. How can the escrow be short each year? Do you I need to contact the United States Congress and the media to shed some light to this situation? This could be happening to several other tax paying citizens. This is horrible and unacceptable. I never pay my mortgage late and to be treated this way is unacceptable. Please help! The name of the mortgage company is Ditech and it use to be GreenTree Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-13
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/XXXX i talked to XXXX from pnc exec. She claimed that the XXXX dollars on XXXX was an error and that one XXXX dollars was on XXXX and one was on the other on XXXX.. I checked my bank account on XX/XX/XXXX i had XXXX cent ... On XX/XX/XXXX my account was overdrawn according to the bank. I did not use my card. I always leave enough money in my account. I placed XXXX dollars in my account anyway before XXXX XXXX. I then left a message for XXXX @ XXXX XXXX XXXX XXXX. Ever since this stimulus payment relief started I have been having issues with my account. I will be filing charges with the police. 



XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: West Coast Servicing, Inc.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I started my own business. I lived in a condo with a mortgage. I applied for and received a Home Equity Loan from XXXX XXXX in order to finance my business. At first I was able to make the payments because business was still decent. The recession hit really hard and I lost almost everything. I had to declare bankruptcy but was just barely able to keep my condo. It was terrifying and exhausting. XXXX XXXX sold my loan to some bank in XXXX ( I have the details at home but am trying to type this out at work while I have a moment of spare time, I 'm sorry - I can add the details! ). I contacted that new holder of my loan and they told me that I did n't have anything to worry about - they were n't trying to take my condo - and they were simply going to hold the loan without charging interest or requesting payments and they would just take the money they were owed when I sold the condo. This " business loan '' was the only thing I was n't able to relieve myself of in my bankruptcy. That was years ago - and NOW there is a company ( West Coast Financing ) who apparently bought the loan and is now demanding payment PLUS and exorbitant amount of interest ( WAY more than I ever agreed to and WAY more than the original loan ). I ca n't make the payments and I never agreed to this. Now they have a local attorney who is taking me to court over this! There is a date set for later this week or next. I do n't know what to do. I do n't know who to turn to over this and I need advice as soon as possible. I do n't want to be take to court again over losing my business. My original mortgage was with XXXX ... everything about the loans I received was quintessentially everything that went wrong with all of the banking that caused the recession. I feel like I 'm still caught up in the teeth of the ramifications of easy lending and now very predatory practices. I never agreed to any of these terms! I think they want to foreclose on my condo - the only thing I was able to salvage after so many years of loss and hard work. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I had short sold my home in XX/XX/XXXX. My mortgage company was Green Tree Financial. They reported to the credit bureaus as normal. Since then I have been rebuilding my credit and as of XX/XX/XXXX they are re-reporting my short sale on my credit under a new company name of Ditech. It is showing an {$88000.00} balance owed and they are reporting 30, 60, 90, 120 day late payments. This has brought my credit score down over XXXX points.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: Square Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The bank is closed and XXXX  a impersonator pretending to be customer support

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
To whom it may concern : Allied Interstate is attempting to collect a debt that was included in the bankruptcy which was discharged XXXX/XXXX/2015. This is the second time that a collection company is attempting to collect this debt for XXXX. 

About a month ago, I filed a complaint against Allied in XXXX XXXX, Nevada who even reported me to the credit bureau causing my score to plummet XXXX points. Because of the CFPB, Allied removed it from my credit report, however, the score never fully recovered. 

This is harassment that I am getting 'bounced around ' from XXXX collection agency to the next. Attached is the letter they sent me. I spoke with XXXX and XXXX yesterday regarding the bankruptcy. I hope this is the final letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
NetSpend has been getting my government XXXX check for years they've been very rude charging fees that was not discussed in their fine writing in terms and now they've kept {$5000.00} of my money. And now it's cold out and I'm homeless because of them I don't have friends or family they're all passed away and that's my XXXX check and they think it's funny they said that they close my account and I no longer qualified for 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 explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I didn't give written or verbal consent to these credit transactions to report to my credit report. XXXX XXXX, XXXX XXXX Bankruptcy, XXXX XXXX XXXX and Trans Union and XXXX have violated my consumer rights and refuse to remove these items. I am a victim of identity theft and didn't give or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX to access my consumer report XXXX 

SEE ATTACHMENTS

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 2015-06-03
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Medical systems is a reporting agent for XXXX XXXX XXXX, in XXXX and XXXX i had emergery room visits which is due upon time of service. they reported the items dates XX/XX/XXXX but the Fair credit act states either last payment date or the date the debt was created. the reporting dates are incorrect and they doing this to keep it on my credit file longer then the debt which is unfair reporting and debt collection practice.Attached is a copy of the original debt from XXXX XXXX XXXX. 
I also think its not right putting XXXX different entitlys on my credit report being its XXXX company it should show up on my credit report as XXXX entity

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
It is fraud. its a unemployment card that i did not apply for. Amount is unknown as i do not want to activate it.visa issued by USA bank

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 2021-03-13
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is a loan from XXXX XXXX through Firstmark services ( Third Party service ). I had availed 9 month COVID forbearance starting from XX/XX/2020 to XX/XX/2020. I called Firstmark Services in XXXX and asked about other financial forbearance programs that I can avail since my COVID forbearance was coming to an end. One of the agents said that I had a few more months ( 3 months to be specific ) in my COVID forbearance program that I can avail after which my normal forbearance program ( 10 months in total ) can be applied. 

This happened to be misinformation as my COVID forbearance program was completely done by XX/XX/2020. Moreover, Firstmark Services automatically applied the normal forbearance to my account ( 10 months divided into sets of 2 month forbearances ) for 2 months. I wasnt informed in any manner about this. Since Im currently unemployed, I had made financial plans according to the information they provided in XX/XX/2020. 

I called Firstmark Services and explained this whole situation. They apologized and provided loan modification option which will affect the borrowers and co-signers credit score. I requested at least an extra 2 month forbearance since it was a mistake of misinformation on their part. They said they cant help me with the COVID forbearance program and I cant avail another 2 months of the normal forbearance if I havent made 12 payments after the previous 2-month forbearance. 

This seems to be totally unfair as I was misinformed about the forbearance options and I had made financial plans according to the wrong information they provided. This is more of a strenuous situation now as Ive been unemployed for the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Mel S. Harris and Associates, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got a letter from my bank XXXX XXXX XXXX back in XX/XX/XXXX. Stating that a company named : Mel S Harris was trying to garnish my checking and whatever accounts I have. XXXX stated that my income deposited is from social security XXXX, and by law they can not do their action. 

About a few days later. Mel S Harris contacted me, stating that they have a judgement on me. And I must pay them, or they will keep garnishing my accounts. Mind you, i never received a letter or summons, to appear in court. When I mentioned to this the debt collector. She said they sent it, and it 's my problem that i did n't get it. and since the judge ruled in their favor. I must pay the debt. 

I did some research on my state 's court website. And yes they got a default judgement on myself. I also googled this company. And i found a lot of complaints from various people, around the USA. 

I also read some press releases from my attorney general at the time, XXXX XXXX from New York State. He stated that debt collection agencies who got judgements. Used illegal tactics to attain them. Mel s Harris - was caught and sued for not serving clients with summonses. But claim they did. Also a mass class action lawsuit was filed against them in court. Which they lost in XX/XX/XXXX of this year. Below are the website links, in regard to this company : XXXXXXXXhere is the decision by XXXX v. XXXX XXXX heard in XXXX XXXX Court : XXXX : XXXX i attached a file from the FTC in regards to the lawsuit . 

hope this is enough information. If you need to contact me for whatever reason. Call me at XXXXXXXXthanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently disputed a medical account with this company to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 3 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 3 months and never to be responded to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection SVCS did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Account status incorrect

Complaint:
More than 30 days ago I asked Equifax to verify and fix an error in my credit because the XXXX XXXX  account appears as ( open ) and with balance when in fact that account is closed and paid, I include here proof that that account already It is paid and closed. See attached documents, i included my id and SS for verify my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Paramount GR Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a commitment for a mortgage from XXXX. They also owe me {$490.00} for reimbursement of the cost of an appraisal. I have telephoned their mortgage specialist numerous times over the past nearly two months for an update on the status of the loan and reimbursement without a response on their part. It is very frustrating that neither the specialist, XXXX XXXX, or his supervisor, XXXX XXXX, are returning my calls.

Company response to consumer: Closed with explanation