BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 started receiving a bill from XXXX XXXX in XXXX of 2022. I thought it was spam mail so I ignored it because I monitor my credit and none of the three bureaus were reporting a XXXX XXXX account in my name. After 3 months my credit dropped over 100 points due to the XXXX XXXX showing up on my credit with no payment made on XXXX XXXX worth of charges. I don't understand how a fraudulent card/account was opened in my name and not receive a 'ping ' from XXXX XXXX  or any of the bureaus like I usually do when I authentically open up a credit card account. I also never received the card, only the bill. How can someone open up a credit card fraudulently and a company mail the card to another address in another State? XXXX XXXX was informed of this when I spoke to them and they referred me to this website. Not sure why... so I am filing this. I also filed fraud with Transition, XXXX and XXXX. I want XXXX XXXX to remove this negative information from my files ( 3 bureaus ). When I spoke to them they said 'oh yes I see this isn't you ' but they don't give me any other information other than the card was mailed to a different address in another state ( good grief ). Why would they do that? That is a red flag! They seemed to know that this was fraud.

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 2015-06-29
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I recently contacted Navient to start a payment plan on my private which I owe a crazy amount of XXXX or so. The man I spoke to was very helpful and stated he could lower my payment to XXXX a month and I was ok with that. However, I kept receiving emails my account was past due. When I called Navient reps were not aware I was on a payment plan and transferred me back tot the man that had originally set me up with a plan. The man stated that the payment plan had been declined and did not provide a reason and that the full XXXX a month was due plus late fees. I was appualled no one informed me that the payment plan on based upon approval and the man still took my payment of XXXX for the month of XXXX and did not cancel my future payments of XXXX for the next XXXX years. I tried to negotiate another payment plan and he said I did not have any other options and they my loan would go into default. I am currently in good standing with my federal however Navient is not working with me on my private loans. My private loan is XXXX years old and the interest rates are over the roof! I never was counseled by XXXX or XXXX XXXX XXXX know known as XXXX XXXX about getting private loans. I strongly feel I was a victim in getting into private loans. The schools took advantage that I had no family support to continue my education and lured me into private loans. I was always under the impression that I had only federal loans. Navient is ruining lives and I strongly feel the government should punish them. I have been trying numerous times to work XXXX XXXX and now Navient on my private loans. I am just asking for a affordable payment! Please help me find a solution I do n't want this to go into a legal battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Netspend Corporation
State: IA
Product: Prepaid card
Sub-product: Transit card
Issue: Unauthorized transactions/trans. issues

Complaint:
Western Union Prepaid XXXX XXXX, has extended my dispute to XXXX calender days, which I know is illegal by federal regulation XXXX, in the process of dispute, is it required that a financial institution resolve all disputes between XXXX and XXXX, then 30 days, but only after not being able to find what they are looking for. Then by law, they are required to give a decision after 30 days. And if the evidence doesnt give either way, then they are required to send a letter, stating that it was unfounded due to insufficient information. XXXX calender days to make a decision, I do n't think so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a XXXX veteran. After XXXX XXXX destroyed the VA hospital, we were advised to seek emergency treatment at the nearest facility and we will be reimbursed. In XXXX XX/XX/2011, I used XXXX Ambulance service to rush me to the nearest hospital, and my family and I advised them that VA was my only insurance. They failed to submit a claim to VA and put me in collections. during the 2 year period they had to submit a claim, they nor their collection agency never called me. I assume is because they can get away with billing me over {$XXXX}. But, they could only bill VA a minimal amount. I recently requested that they submit the request for payment with the VA, the XXXX Representative declined to respond. I believe this is a deceptive practice aimed at getting more money from the patient, then the government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My husband sent me money via zelle through his bank XXXX XXXX to my bank XXXX XXXX. It was sent XX/XX/XXXX. It is in limbo. Zelle blames the banks, both banks told me to contact zelle, zelle told me it's on the bank. Meanwhile I am out XXXX dollars and am overdrawn at XXXX XXXX. Where is my money? Who is responsible? Evidently no one. Can anyone find this money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: Information belongs to someone else

Complaint:
i already sent correspondence to transunion they are not responding i am a victim of identiy theft and there are unauthorized, unidentified inquiries on my credit report block and remove the following fradulent inquiries Transunion XXXX XXXX XX/XX/2022

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 2022-06-01
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
45 days after my XXXX XXXX  Bankruptcy was discharged I checked my XXXX XXXX Credit Report to ensure all accounts were being reported correctly. 
I discovered that Merchants & Professional Collection Bureau , Inc. was reporting and old medical debt of XXXX that was discharged in the bankruptcy as a current and open debt. However they are showing a XXXX balance and that it was discharged. 
Showing a XXXX balance, they have lost permissible purpose and should remove this collection account from my credit file but have refused to do so. 
My Attorney has also sent them a cease and desist letter demanding the removal of the item, yet they have still refused to remove the item and continue to report as an open account with a XXXX balance. 
This is a debt that started with XXXX Texas XXXX XXXX and I have tried to reach out to them as well and they advised that Merchants & Professional Collection Bureau, Inc.is handling the account now and they also refused to take any action after the BK discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Genesis Lending
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name XXXX XXXX was enrolled in the XXXX in XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I XXXX in 2014 however, after the XXXX they told me apart of the program completion, they would be helping me with training, assistance with studying for the test XXXX and XXXX assistance. This was apart of my tuition agreement and program for this institution. I agreed to pay XXXX loans XXXX XXXX and Genesis Lending ( a private loan given by the school ) because of the promises given that I would be assisted through out until I find work. Unfortunately, all these promises during and after graduation was not met because the school was forced to close. According to a recent article " Accused of misleading students and falsifying records, XXXX of Florida 's -- and the nation 's -- largest private, for-profit college chains is being forced to sell campuses or close its doors. '' I am a student who has suffered from this malpractice and now owes XXXX loans, with no job. I made faithful payments to Genesis Lending and I would like to be refunded the money. I have called the Florida Department of Education. 

Read more here : 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 2017-02-23
Company: Regional Management Corporation
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had no acknowledgment of account. I have disputed it over and over even just gave up and tried to just pay with XXXX to get it off my reports. Its bringing my score way down cause now they charged it off and now it is showing late payments or deliquient. I 'm just trying to survive and trying my very best to build my credit. I had Insurance but never was ask for a payment anywhere I seek care unless I owe a co pay. I have n't heard of these people and I have got some deleted from one of the credit bureas. Jobs look at credit just as well as banks. I cant even get a loan to get out of high interest I 'm paying cause my score aint good enough for the bank and I bank with them. I 'm 100 % on time with payments I just would like to have a relationship with my bank for a lower interest rate than I 'm paying.but those XXXX charge off is killing my score. I just wish I could find some help to get them off. I 'm scared and hard to trust people that say they can get them off for XXXX I was told long time ago after paying a XXXX dollars to help get anything removed from my ex and told me all I had to do was go to the bank ask to borrow XXXX dollars and leave it in there and just pay the payment after six months after I handwriiten letters envelope and stamp with sign receipt of it to all the creditors so I did nothing happen after I did all that and went to the bank and told them what I was told from a lawyer I paid to help me get it cleared up they said they ai n't sure why he told you that but we ca n't do that. I just do n't know what to do. I want to start a XXXX out of my home and build accounts and grow but I do n't even know if I 'm able to try that. please help anything advice, whatever. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a phone call on my landline stating the call was from Wells Fargo credit cards services and my card was used in a purchase. The call came from XXXX and XXXX o not own a Wells Fargo credit card.

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 2022-06-01
Company: Novad Management Consulting LLC
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Novad Management Consulting has not responded to me or my realtor for a payoff amount ; there has been offers for my property since XXXX, 2021 ; The balance now owed is {$90000.00} and I moved in XXXX, 2021 and I am still paying utilities which I can't afford ; I have moved to senior apartment ; My realtor had offers for my property but they have not responded to her and I have also written a letter no response ; I notice that this company has over nine hundred complaints ; I want to really sell my home but they won't respond just keep sending the monthly statements and the amount is getting and higher ; PLEASE HELP ME!!!! Tell them to respond!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX is listed as a separate account with a balance due for a charged off account that is still reporting beyond XXXX years. The last activity on the original XXXX account predates XX/XX/2009 and it has been charged off and taxed as income. The account balance on the original is XXXX and this attempt to duplicate it after charge off is unscrupulous.

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 2016-12-10
Company: MONEY SOURCE, INC., THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX I stopped paying my mortgage because of a medical condition caused by my XXXX, which caused me to XXXX and not remember to pay bills. I missed my XXXX payment, paid in XXXX, and stopped paying through XXXX of XXXX. I received a letter from XXXX in XXXX and my husband opened it and made me call to make arrangements to pay the months that were missed. The letter stated that if they did n't hear from me within 30 days that it would go into pre-foreclosure, and even though I called within the 30 day window, the told me that it had been sent the day before and they would n't accept any payments. At that point I had all of the money in my account to pay the back balance in full ( over XXXX in my checking account ) but they refused to accept my payment. I was told that someone would be contacting me to make arrangements to stop the foreclosure proceedings. In XXXX I was contacted and they told me that I could resume making normal payments again but only in the amount due and only by check through the mail, so from XXXX through XXXX I did that, and starting in XXXX my husband took over the finances to make sure that everything was paid on time. I signed a Loan Modification Agreement, and the person that I talked to on the phone said that there was nothing they could do about reporting the late payments from XXXX but that once the paperwork was signed, that the foreclosure proceedings would be removed. From XXXX XXXX until we sold the house in XXXX of XXXX we never missed another payment, and no foreclosure paperwork was ever filed with the court. When we went to get a approval to buy another home though, they were reporting my payments late until XXXX of XXXX, so we had to wait at least until XXXX of XXXX before we could get approved. I sent the credit bureau 's paper work with bank statements that showed that each one of our checks cleared from XXXX XXXX to XXXX XXXX, but XXXX XXXX came back and said that they were reporting accurately. With that being said, we tried again in XXXX, and now the credit reports show XXXX lenders XXXX XXXX and The Money Source both reporting during overlapping times, and now it shows up as a foreclosure from XXXX XXXX through XXXX XXXX. We could n't do anything at that point, so we tried again in XXXX of XXXX and now the foreclosure is reporting through XXXX XXXX. XXXX is reporting the foreclosure and The Money Source is reporting late through that whole period at the same time. We first had to prove that it was n't a foreclosure and that there was only one company servicing the loan, they are both the same company and when we did the modification they changed who serviced it from XXXX to The Money Source and every time we dispute it, the issue gets worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: DISCOVER BANK
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus sent me a letter stating that I am eligible for a {$5000.00} incentive in coordination with my Home Affordable Modification ( HAMP ). Their letter states, 'this new benefit of {$5000.00}, which will be applied to your unpaid principal balance after the sixth anniversary date of your first trial period payment due date ' ( which for me XX/XX/XXXX so I should be receiving the benefit six years later, XX/XX/XXXX ). But when I called Seterus, they said that they are changing the date to when the loan was transferred to Seterus instead. Which would mean I would have to wait another year. First of all, what they are saying is not in accordance with the letter THEY sent me. Secondly, the sentence that I quoted from their letter is also stated on various websites of the Federal Government ( of which I have referenced at the bottom of this complaint ). So by changing the dates to match their own interests, they are not just breaking their own pledge, but also that of the Federal government. 

Effective XX/XX/XXXX, borrowers who remain in good standing in accordance with Guide Chapter XXXX, Home Affordable Modification Program, and who have submitted the appropriate Dodd-Frank Certification form or Guide Form XXXX, Real Estate Fraud Certification, may be eligible to receive a HAMP Year Six " Pay for Performance '' incentive. This incentive, which is in the form of a one-time, lump sum principle reduction of {$5000.00}, is payable the month after the sixth anniversary of the HAMP Trial Period Effective Date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated ( daily ) calls from " Nissan XXXX '' asking to speak to a person who does not ( and has never ) lived in this house. Impossible to speak to a human about this, these are robocalls. Calling number is XXXX or XXXX ( or a variation ). No one in this household has or ever had any dealings with Nissan XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Ability Recovery Services, LLC
State: NJ
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:
They are a third party collection i am not obligated to pay this debt to this party. It is no contract with me and this party. According to the fair credit act.

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 2022-06-01
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XX/XX/XXXX Account XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXX, XX/XX/XXXX XX/XX/XXXXAct. # XXXX, XXXX Bank UsaAct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX XXXX, XXXX XXXX XXXX Act. # XXXX, XX/XX/Dsnb Act. # XXXX, XXXX XX/XX/XXXX XXXX Act. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAct. # XXXX XXXX XXXXXX/XX/XXXXBank Act. # 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 an 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 2016-12-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was made aware of a false collection report that appeared on my Credit Report through XXXX XXXX. I opened up a dispute to the claim, but feel there are more important questions for an oversight entity to find out and get answers. First question, how does a debt collection agency add an item to someone 's report without having proof of debt, and second question, what proof of debt is required to add such item ( SSN, their say so, or a contract with my authentic and original signature )? According to this occurrence, there is nothing in place to prevent these types of bogus claims being reported on somebody 's credit report to protect the consumer, which is what the CFPB is supposed to be protecting and overseeing the Credit Reporting Bureaus, and making sure they are reporting the most accurate information available. If the appropriate information is not available, then it should not be added. I would also like to know what is deemed as " appropriate information '' would be needed to add such a claim to a credit report.

Company response to consumer: Closed with explanation