BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In 2005 I got a loan from XXXX XXXX. I paid every month, never missed a payment. After a couple of years, with life events, the balance got maxed out at {$14000.00}. When i started with them, the payment was {$75.00} and eventually got up to {$260.00}. I never missed a payment. They sold my account to someone else and than finally sold it to Springleaf Finance. I never, in all those years missed a payment, with any of the company's.I did have to file for a hardship recently due to the fact that my Pensions took a hit when I turned XXXX. Springleaf agreed and helped me with a lower payment and a lower % rate. I have never missed a payment with them. After 10 years of paying and never missing any payment, my balance has gone down by {$50.00}!!!! It has never gotten below {$13000.00} and at times has gone above the {$14000.00} max. How can that possibly be legal. I will be turning XXXX in a couple of months and I had expected to have this paid off by than, but the balance has never gone down. I have n't used the account in years except to pay the payment. Do I have an recourse with this? Should I hire an Attorney?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My CFPB complaint on XXXX/XXXX/2016 was not resolved this business stated they will send me validation of debt, we are now XXXX/XXXX/16 and I have yet to receive any information. In my last complaint the business stated that I have been inconsistent with my complaint because I disputed with the credit report agency 's that the account is not mine and now I want Validation of debt. Obliviously if the company keeps trying to collect even after my dispute the persons who the account is affecting will ask for validation of debt, so i do n't see the inconstancy here? Their response says I was sent numerous letter which is FALSE! How can I send a timely request for verification or validation, When I have never received a letter, I noticed the company on my reports. The business also failed to address the phone call to me that went against The Fair Debt Collection Practices Act saying he is in the process of suing me and filed documents with the XXXX court, and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15. The business also failed to address the inconsistent information that has been reported to my credit files with different balances owed and dates given.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Left multiple message at my place of employment with multiple people stating they are from the XXXX XXXX office. Also left messages including my name and stating they are XXXX XXXX the actual attorney looking for me.

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 2017-03-24
Company: Penn Credit Corporation
State: AP
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
According to my credit report from XXXX, I have an open collection from Penn Credit Corporation which I have no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have an acct from this company that is not mine its fradulent and reporting on my credit file and is in collections that needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
To whom it may concern, I called Sallie Mae to proactively figure out a rate reduction plan that would help me pay less per month with a lower interest rate due to increasing living expenses. I have good credit and I have been making my payments -- I 'm actually ahead right now because I started paying large sums per month before my loans went into repayment. My Sallie Mae loans will soon require I pay a hefty {$350.00} per month ; this is on top of my other Federal loans and living expenses. My Sallie Mae loans are for less than my federal loans, but I pay more for them per month. 

The Sallie Mae representative told me that the only way I could potentially work out a rate reduction or refinancing plan with them is if I am currently under hardship. I explained that I am not, necessarily, under hardship -- though I do n't know what qualifies as " hardship '' -- but that I will soon be due to changes in my living situation. I will not be able to afford a {$350.00} to Sallie Mae and also pay for rent, utilities, insurance, etc ... 

The Sallie Mae representative seemed to sympathize with me, but she also seemed bound to an unspoken rule that disallowed her from helping a borrower who was looking to proactively take steps in order to not become delinquent on their loans. 

I need to figure out a refinancing or rate reduction plan with Sallie Mae before I suffer from delinquency, which could happen as soon as XXXX months from now when I move and settle in a different area. 

I 'm filing this complaint because Sallie Mae is not willing to work proactively with me as a borrower to stop delinquency, forbearance, or bankruptcy from happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is an addition to an original complaint case # XXXX The $ amount first stated was in error. The correct shortage $ amount is {$36.00} Received $ XXXX from XXXX XXXX Trust from a XXXX Account on XX/XX/2016, deposited check on XX/XX/2016 to XXXX XXXX XXXX, XXXX withdrew {$600.00} from my account on XX/XX/2016 check cleared XXXX XXXX Trust and re-deposited to my account on XX/XX/2016 in the amount of {$560.00} XXXX XXXX charged an additional {$13.00} for XXXX XXXX XXXX for handeling but did return that fee after arguing the fee charge with them but denied any knowledge or involvement with the missing {$36.00}. After further investigation I have reason to believe Western Union Business Solutions have there hand in that missing money. I was not aware of any fee 's or deductions from the original {$600.00} there was NO explanation on the shortage what so ever and I did not agree to any fee 's associated with this. I want this money back. As far as I am concerned it was taken ( stolen ) from me illegally, not only do I want it back I would like to press charges against the perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am filing this complaint because XXXX has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled up my TransUnion credit report, and found some false information regarding a previous vehicle I had. I purchased a vehicle from XXXX at XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX, that I was still paying for when I had got into an accident. My insurance company at the time was XXXX XXXX XXXX their address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX had XXXX of their insurance reps and body shops, XXXX XXXX XXXX in XXXX, Ohio look at the vehicle. It was later determined that they where going to totally the vehicle. I informed XXXX that I was still paying on the vehicle, and so XXXX contacted XXXX XXXX himself and cut him a check for the remaining balance. XXXX XXXX XXXX has the check numbers, when it was issued, and cashed!!!! to XXXX XXXX. But XXXX XXXX falsely reported to the credit companies that the car was a repossession, which it was not!!! This false reporting needs to be removed from my TransUnion credit report. This issue does n't show on my other credit reports and is even more reason why this needs to be removed asap!!!

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 2015-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed a lien in the State of California to Transunion, XXXX because the lien has been satisfied and released but only XXXX has changed the status on the credit report to reflect the true status. Transunion refuses to change to the correct status. Copy of the XXXX change is attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I send a certified letter to the creditor to this addresse ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to obtain a written verification documentation concerning the account dispute. sixty days pass without a response from creditor. I joined a copy of the letter to XXXX XXXX XXXX and asked Transunion credit report to investigate and the result came and state remain .the creditor keep updating monthly the account as charge off. after several call to the creditor they finally said that the account is transfer to XXXX collection agency since XXXX 2012. I wrote to Transunion again asking them to prove how their investigation was done and they should delete inaccurate information on my credit file. Transunion responded that the information is corrected and will remain. I need Transunion to delete or update the inaccurate information on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is no means on any of the bureaus to dispute the inaccurate balance showed on this item. My reports show I owe more than {$1900.00}, when in fact I owe {$0.00}. I am trying to buy a house and this inaccurate record is standing in my way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Experian Information Solutions Inc.
State: TX
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 applied for a quick trip card with XXXX XXXX XXXX XXXX for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX   payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my 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 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had the item removed from my credit report in 2014 due to the fact that the collection company re-aged my account then the agency put it back on my report without notifing me or correcting the information I have disputed this information numerous times to no correction or removal

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 2015-09-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been writing the XXXX credit agencies to remove the theft off my credit report i even hired attorneys to have incorrect moved and it stills remains which is effecting my credit score and effecting me from getting anything in my name which is effecting my life and my children life. I have file many complains for frauds on my account and still not actions have been made which is getting out of control. I also have things on my report that is pass 7 years old which should have been deleted and things thats not even mines. I filed dispute after dispute and even ask if they can investigate still nothing have happen. half of the addresses on my report i never even lived at. I have several accounts with XXXX, wi XXXX XXXX XXXX which is not mines. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX which is not mines. I will like someone to investigate to see is using my name and ss XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was divorced XX/XX/XXXX. XX/XX/XXXX at the time of separation from my ex, I did not have a job and missed XXXX mortgage payments. My ex later filed bankruptcy. XXXX, the original servicer, sent me all sorts of paperwork for resolution ... none of them were an appropriate option as either I could not qualify, or it would increase my payment. Once I started working, I set up auto payments through my bank. Never missing a payment, or being late since then. XXXX, after telling them my story continued to harass me in the form of false credit bureau reporting that I was consistently 3 months behind and charging late fees for several months which they did not remove, and additional monthly fees for inspection reports, etc. I wrote to them without resolve. They did NOT even respond to me!! 
Beginning XX/XX/XXXX, my loan was sold to a new lender and was also assigned a new servicer, Rushmore Loan Management. Now, I recently received an intent to foreclose notice and I have NOT even missed a payment with them. This has ruined my credit score and caused me much XXXX. The mortgage company has sent people out to my property taking pictures which I find not only inappropriate, but harrassing. They have NO reason to be doing this. My payments are timely and even though I do not have escrows, my Insurance and Taxes are ALWAYS paid on time. 
Please help me get this problem corrected. I would like all the late fees and inspection fees that I did not authorize removed from my account. Also, my loan is being reported now as over 90 days past due, which is NOT the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am attempting to negotiate a restructured or modified mortgage loan with my lender Rushmore Loan Management Services. Despite repeated calls to their loss mitigation department, it is impossible to get a human being on the phone to speak with me and no one returns my messages. I have not been assigned a designated point of contact, and they have moved forward with setting a sale date for my property. Rushmore recently sent out a denial letter, based apparently on documents I had sent in months earlier. They stated that I was denied for help due to lack of income, but the figures they were using were not current or correct. But it is impossible to speak with anyone about this so they just move forward with the foreclosure. 

I bought this home in 2008 with a conventional first mortgage through XXXX XXXX and a 2nd mortgage through XXXX with a 10 % down payment. About a year after buying the home problems began as I went through a divorce which hit me hard in the pocketbook due to child support for XXXX kids and legal costs.. A year later I got injured on the job ( I worked as an XXXX ) and ended up having to file through workers compensation in order to collect XXXX. Due to this interruption of income and lack of any reserves I eventually could not keep up and missed some payments on the loan. I began trying to resolve this matter with the original servicers, XXXX and XXXX a few years ago, but it literally took over a year to make any progress with them. They offered me a forbearance agreement that gave me a XXXX5 month break from payments. But then I had to go into applying for a modification through HAMP and this was time consuming and difficult. Eventually I was offered a streamline modification, but instead of offering payment relief this actually RAISED my monthly payment. I appreciated the fact that I had been offered help and did my best to make that monthly payment, but after a few months I defaulted. 

I am in the process of getting my XXXX reinstated in the state of California, and once I am able to go back to work full time doing this I will be back on my feet. To supplement my income I have rented out rooms in my home and have worked as a XXXX and also still receive my XXXX. I expect to be back working as an XXXX within the next year but am concerned that by that time Rushmore will have already foreclosed on my home. I want to save my home, and I expect for my loan servicer to communicate with me. I also have major concerns about the amount of late fees, Attorney fees , drive by inspection fees etc. It seems like Rushmore is charging me duplicate fees on the same day in many instances and I believe they may be taking advantage of me by piling all of this on so that they can write it off as a loss when they foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  Phone nu mber :  XXXX .     I have been receiving phone calls from this company stating that I am being sued for an old debt with  US Bank. I contacted US bank direc tly after the first phone call and they stated that I do not owe a debt with them & to ask the company for a validation of debt.     I received a phone call from a blocked number, when I answered the woman on the phone was from   XXXX   XXXX   XXXX   XXXX   claiming to work at a law firm. When I asked her for a validation of debt, she declined. She stated that I would not receive that from them, I would receive that from the bank and that she is going to push a button and place t his $ 4,000+ debt to my credi t report, where it will stay for 15 years. She went on to say that if I did n't pay her with in the next couple of minutes that there would be no way to resolve the debt. This woman was very rude, she would not answer any questions that I had asked. She cut me off multiple times and threated me by saying she has my social security number, birthdate, address and information about my personal owned business. She stated that she has many avenues on which she can take to collect the money owed. When I told her I needed a little more clarification on the situation, she hung up on me ... twice.

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