BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-17
Company: Nationwide Debt Management Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I obtained a payday installment loan from XXXX. I was unable to keep up on these payments, so decided to do debt settlement on this ( and other debt ) through XXXX company. I settled all my debt in XX/XX/XXXX have been making monthly payments since. In XX/XX/XXXX the debt was converted into a debt consolidation loan with XXXX. I have been paying timely payments on the whole of debt ever since. Now my employer as well as myself are being repeatedly contacted by Nationwide Debt Management XXXX ( or NDMS ) XXXX XXXX XXXX. XXXX XXXX XXXX CA XXXX asking for payment on my debt to XXXX I no longer owe this debt! I asked for a validation of debt and received only an e-mail. Not to mention the amount was far higher than what I originally owed as well ... very concerning.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXXXXXX XXXX XXXX still reporting open with a balance on my credit reports. The account was paid off on XX/XX/2018 which is well over a month from now. This is a violation of the FCRA federal law and I will seek litigation if this issue isnt resolved immediately. The account should reflect paid in full with a XXXX  balance and never been 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 2016-05-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was denied the ability to open a bank account because of information provided by ChexSystems. I requested more information from them, but was not given anything useful. I was a victim of identity theft in 2014, but otherwise have always been in good standing with all of my credit/bank accounts.

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 2016-01-19
Company: Stellar Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received notification that a Debt for the amount of : {$140.00} on XXXX XXXX, 2016 was place don my XXXX Credit Report and am not sure if there are others from this company. They have not provided any pre-collection attempts or notified me via postal mail, or a phone call. They have the wrong person. Ruining my credit. Needs to be removed ASAP! and A LETTER TO ANY CRA 'S REPORTED TO, TO have it removed. 

I need this removed ASAP! 

Alert Date XXXX/XXXX/2016 Source XXXX Company STELLAR RECOVERY INC Payment Status Collections Status Date XXXX/XXXX/2016 Balance {$140.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MT XXXX Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Requested assistance on a modification for Making Homes Affordable program due to foreclosure sale date XXXX/XXXX/2016, denied stating documents were not received 15 days prior to sale date, when complete package was submitted to lender same day as third party authorization which was XXXX XXXX, 2016 ( 20 days prior to sale date ), spoke to rep on XXXX XXXX stated on TPA on file. informed rep how do they only upload XXXX document out of many, Sale date approaching fast, rep informed me if complete package send again. Re faxed modification documents again on XXXX/XXXX/2016, rep stated on documents uploaded to Mortgagors system on XX/XX/XXXX, it took 5 days to upload documents submitted for modification. Informed rep that is not acceptable and can not fault client when it was there systems that delayed the process as originally was sent on the XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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:
I settled the XXXX XXXX XXXX with collection account number XXXX XXXX XXXX XXXX. This account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XX/XX/2016 I recieved a phone call from Keybridge Medical revue Management in XXXX Ohio stating that I owe XXXX in Ohio for XXXX medical bills of {$66.00}, {$190.00} and {$51.00}. The lady that I talked to at the collection company said that these outstanding accounts were showing up on my credit report with all XXXX credit bureaus and that if i paid them they could take them off my credit. I agreed to pay the collection company and gave her my debit card number. 

About 60 day later in XX/XX/2016 i checked my credit report and the medical collections were taken off my XXXX and XXXX reports but on my XXXX report it remains as a paid collection. 

I called the collection company in XX/XX/2016 and the collection company instructed me to dispute the information with equifax and they would take it off of my equifax credit report. 

I have disputed the XXXX paid collection accounts on my credit report multiple times but equifax, and Keybridge Medical Revenue Management will not remove the XXXX paid collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: MNS & Associates LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mns Associates llc is harassing and calling my Family, employers, and people I know. I do not owe any debts to them. They are harassing people. They have not tried contacting me. But instead harassing and calling all of my contacts. I want the harassment to stop. I want all of the calls to stop. I want mi further contact from them. I do not owe any debts to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has not updated or correctly updated XXXX of my credit card accounts. At issue is the failure of Experian to list the proper account number for these XXXX credit card account. In addition, in the reply to my dispute, XXXX of the credit unions that issue me a credit card is now erroneously identified by Experian as a medical facility ( XXXX treatment facility ). 
I should note at this time that although the account numbers associated with these XXXX credit cards are not correct, I do not dispute the accuracy of the payment history or balance history of these cards. That information is correct. In fact, I have a very high credit score. 
Why inaccurate account numbers matter : Regulations require financial institutions and government agencies verify our identity prior to conducting business with us. Erroneous information in credit bureau files result in failed identity verifications. 
1. My XXXX Bank credit card is identified by Experian, using a number that I do not recognize, nor does this erroneous number appear anywhere on my XXXX account or statement. I have requested that Experian list the XXXX digit XXXX credit card number for this account, the same way XXXX does. 
2. My XXXX Credit Card is now miss-identified as a " medical account '' ( XXXX treatment facility ) .This latest error is a result of the Experian " investigation '' of my original dispute. This is a credit union visa credit card account, not a medical related account. My original dispute issue also has not been corrected. That issue is that Experian is listing my XXXX digit credit union member ID number, instead of the XXXX digit XXXX credit card number that would accurately identify the account that they are actually reporting on. 
3. My XXXX XXXX XXXX XXXX Credit card is misidentified by Experian by using my XXXX digit credit union id number instead of the XXXX digit XXXX Credit card number that actually identifies the credit card they are reporting on. 
This issue was brought to my attention by a failed attempt by the Social Security Administration to confirm my identity by having me enter a XXXX digit major credit card number. Social Security uses Experian to verify identify, even though ( in my case ) Experian does not associate XXXX digit XXXX account numbers with the XXXX cards that it reports on.

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 2015-12-01
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi, I have been trying to get my mortgage modified since XXXX. My servicer is Caliber Home Loans. My uncle co-signed my loan when I purchased my house. I was told by XXXX XXXX, my Caliber representative to have a quit claim deed filed removing him which I did in XXXX. My uncle does n't live in the property and does n't contribute to my household. I have submitted XXXX loan modification applications. I am also working with a HUD counseling agency. The very last modification that was submitted she thought we had worked out this issue regarding my uncle and the quit claim deed. They continually ask for either his financial information or the quit claim deed. I have submitted the quit claim deed numerous times. When my counselor called Caliber and spoke to their representative XXXX ID XXXX she explained the whole situation. XXXX stated that they could n't see the transfer of title. They each pulled up a copy of the deed and the counselor showed the Caliber representative exactly where the transfer was. XXXX stated she understood and could see it and would show underwriting and have the file escalated. XXXX advised the counselor to call her back in a few days ( XXXX XXXX ) When my counselor called XXXX back a couple days later for a resolution XXXX did n't pick up the phone so the counselor left a message. XXXX never called her back so the counselor called again and was told the file was denied because they never received the quit claim deed or my uncle 's financial information. This is very frustrating as I feel as if this is being done on purpose. I have submitted the complete package to them again today with a letter explaining the deed transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
got response from experian that they are unable to honor my request based on the limited amount of information I have provided when I only ask you deleted outdated information from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Each month Union Bank takes the transactions out of sequence on my checking account, which makes the account go into overdraft and then by adding late fees so that the balance is always negative and charging {$33.00} per overdraft, follow by XXXX per day for late fees per item. I feel they do this to collect extra fees that they are not entitle to receive. In addition, when you address the situation, they will only give you a partial refund of your money, and keep the late fees on account that should not have been there due to their mistake in the first place. I print a bank statement almost everyday, and always keep a copy of every receipt noted with the date and time, on several occasion they have done this, and the clerk will state that its your fault for not maintaining your account improperly. Sometime I just pull all the money out, so that they have nothing to lie about. Each time that have charge me as high as {$160.00} to {$390.00} dollars. and there excuse is that it takes a few days to receive a electronic transaction. I work in retail over the last several years, and most transactions takes no longer than 3 minutes to debit any account. I think its time someone looks into this matters, because it might be a lot of people suffering in silence because they may be too embarrass to say this is wrong,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I initiated a dispute with the credit bureaus in regards to some identity theft. Someone used my information to obtain medical and an apartment. I sent this collection agency my ID Theft affidavit, and ID 's and they wo n't respond. 

I 'm attaching all of the documents sent and the tracking to prove they received it. Please help. This is affecting my family and my health. 

Thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-12-17
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans paid property tax that had already been paid. They deducted the funds from my escrow account during a refinance. For 2 months now, I have been making phone calls in an attempt to resolve the matter. A couple of weeks ago Caliber denied receiving a refund check from the county. Caliber recanted when I provided the check number, the amount, and a statement from the county stating the check was cashed. Caliber now admits they owe me the money, however multiple phone calls have resulted in no specific date I will be sent a check. I spoke to a very rude supervisor named XXXX today. He claims he will call me back with a date, however past promises of a phone call by Caliber have resulted in no call back. I believe it is horrible to take a veteran 's money and hold it during this time of the year when many purchases are made. It is a slap in the face to all current and past service members.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Fitzgerald Goldman & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a voicemail at work from XXXX XXXX, he advised that I would be served and that he had verified the policies and proceedures at my office with my employer to serve me. I returned his call and he advised that he had 6 month of my bank account statements. He advised the he was in the legal dept and he would proceed with action. I asked for confirmation of what this was in regards to and indicated a company I had never heard of. Asked XXXX times to have this information sent in writing. He declined

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was XXXX of those professionals hurt when the housing economy totally collapsed. I had purchased a very expensive XXXX XXXX XXXX XXXX pickup with diesel etc. Loan amount began at nearly XXXX. Payments were okay when I made XXXX per year. After losing the income after housing collapse, {$770.00} payments were very difficult but I struggled XXXX four years to get payments made. I was often far behind and always eventually caught up all payments when a job completed. ( I was now a self employed XXXX ). I was up to four months behind on several occasions, even offering to voluntarily surrender the truck. They always showed patience and eventually got all their money when a job would finish. I finally got paid down to the last XXXX payments ( around XXXX ) and explained to customer service/ collections that as soon as the next job finished I would bring it current. For the first time, i had about XXXX in postive equity in the truck. I certainly did not want to lose it now. I starting getting suspicious recently when collections would robo- call and I would try to answer and no live person would come on the line. After 3 weeks of rain delays I finally finished a job and was due to collect and be able to bring payments current. That night my truck was repo-ed from my driveway. Now, trying to speak to a live person and try to redeem my vehicle is impossible. Calls to redemption department at Ally always go to hold for 1-2 hours. Usually you will eventually be told to try again later. Meanwhile you get notices your car is going to auction, but you still ca n't get a live person. Once there was equity in my truck, they want the truck.,, not my payment.., This is blatantly unfair to have no way to talk to reasonable people! 
XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Company verified they received my later on XX/XX/XXXX. As of yet the company has yet to validate the information on my Credit Report collections nor inquiries. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XX/XX/XXXX The Manager XXXX states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence 73 AM Our 2d.Section 90-93 companies ca n't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
LVNV Funding was notified by there collection agency XXXX XXXX XXXX XXXX of a debt that was sent to them that it was exempt from debt collection yet LVNV sends another debt to collector knowing that it would be exempt from collection like the first one they seen to like to try and collect on exempt funds what they don't have a list they look at first to see if what they brought that this person is exempt before going after the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
this is my second complaint. i have been sending documents along with the updated application for several months now and every time I send in the list of documents needed, they keep saying something different when I call in for a status update. I even include the list of documents that the emailed me on missing documents. I recently called again after submitting everything on the list sent to me and now she is stating that I still have other documents. I feel that this a stall tactic for time to run out. 

I never received any document for court for foreclosure they just kept asking for more documents. 

I didn't find out that my home was in foreclosure status until people kept calling asking did I want to sell my property before foreclosure take place. they are the one that gave me my foreclosure date, the I called the mortgage company to confirm this information. I then asked why I hadn't been notified with all of the calls and communication I have had with them. they said it was sent in the mail and I never responded. I informed them that it was because I never received any notice. Had I had received this noticed I would mentioned it in the many conversations we have had trying to complete the modification application. 

i have submitted the documents she stated I need this last call last week, however she refused to email me a list of missing documents this time. She stated she couldn't and I informed her that the representatives that I have spoken to in the pass sent me a list so I would be able to know exactly what I need. So I did send in what she said I needed on both of loan accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I ask them to remove hard inquiries that was mines and also i asked them to provide me with signed documentation from a collection company there 's was not any proof sent to me to show they had any right to collect that the debt or that it was even mines

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