BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company : Debt collector RMP Services LLP XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX. Debt from hospital stay XX/XX/XXXX ; amount {$77.00} reported to credit bureau on XX/XX/XXXX. This company had 2 accounts in my name. Settled all accounts for {$160.00} paid in full on XXXX XX/XX/XXXX over the phone with XXXX and XXXX ( I was transferred ) with the understanding the account would be deleted from credit report since paid in full. As of XX/XX/XXXX account is still listed on credit report, currently listed as " closed '' not deleted. Called RMP on XX/XX/XXXX spoke with representative who states XXXX XXXX XXXX XXXX does not usually delete paid accounts in her experience. Directed me to speak with her supervisor. Called XXXX XXXX on XX/XX/XXXX asked if he could remove paid account from credit report as that was understanding at time of payment. He stated he did not have record of my request ; account is listed as closed. I asked if he could delete as account is paid. He said " at this point there's nothing I can do. I suggest you call credit bureau and ask for them to delete since it's only {$77.00} dollars. '' He indicated too much time had passed since I paid off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CMRE Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On X/X/2017 I sent formal notice, via certified mail, to CRME for a collection account listed on my credit report for XXXX, that their claim was being disputed. After 30 days, there was no dispute mark placed on my credit reports, nor did I receive any communication from CRME. On X/X/17, I sent a second letter, via certified mail, to CRME that they have violated federal and state laws, and also failed to send me any communication and/or evidence bearing my signature that the account is reporting correctly. Somewhere thereafter, my credit report was marked by them, that the consumer disputes, but again, this was AFTER 30 day allotted time per FDCPA and FCRA regulations. To this date, I have not received any communication or acknowledgement from CRME, after their receipt of 2 certified letters. They have clearly violated the law by not marking my credit reports disputed within the 30 day time allotted and also have not sent me any documents bearing my signature, validating that the debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CITIBANK, N.A.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
To whom it may concern, I recently received a copy of my XXXX credit report. The credit report showed a double hard credit inquiry by your company on the same day that I do not recall authorizing. I actually asked the person in charge at the office if it would affect my credit since I didnt need that credit card with your bank or the increase of limit, which I was told that it wouldnt. I understand that they should n't be allowed to put a hard inquiry on my file unless I have authorized it. Thanking you in advance,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX .... reported to the XXXX  that I applied for credit in which I never applied for. They have violated my rights to have a fair and accurate information on my credit report.

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 2017-07-21
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I tried multiple times to apply online and first i need to update my information on my profile. Phone and address are 5 years old. I was advised in several emails from bad service reps, i have to update my info online only. I tried and tried It wo n't save the new info. I have new bank info and how do i fix that? My main complaint is i contine receiving a denial letter when i try to apply!!! Inquiries and denials on my credit. When I went to customer service using their message I received no assistanceand was told to update it online.

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 2017-07-21
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: Their investigation did not fix an error on your report

Complaint:
I have faxed proof ( XXXX ) and most recently AGAIN to both XXXX and XXXX that items on my credit report were either not mine ( I was a victim of identity fraud ) or they were inaccurate yet my score with each continues to decrease. When I try now to dispute yet again, both companies have me locked out so that I ca n't even access it online anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EXPERIAN CREDIT REPORTING agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number EXPERIAN CREDIT XXXX XX/XX/2017.

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 2017-07-21
Company: Medical Data Systems, 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 information incorrect

Complaint:
I paid off a collection with this company over a month ago now. They assured me it would take at most 30 days for the collection account to be removed from my credit report. It is still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
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:
Credit reports shows late payments to Navient fromXX/XX/XXXX - XX/XX/XXXXwhich is Not accurate since these student loans were Always in Forbearance. At that time I was unable to make payments. First payment made to Navient was in XX/XX/XXXX, since then enrolled in auto-pay and payment made in a monthly basis automatically. Please Navient, resolve this since I was never notified of this, nor called to my personal phone, I was always contacting XXXX XXXX - Navient to ask for Forbearance options, I always did what I was advised by Navient customer service. My commitment has been always be in good standing with the loan provider, proof of that is my auto-pay enrollment since I was able to pay back to Navient. Please help and support. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2013, I XXXX with the XXXX XXXX to the XXXX XXXX. My civilian pay stopped at this point. It took many weeks after several delays for my XXXX pay to be established. During this period my HELOC payment to BMO Harris Bank was late as a result of the income lapse. Attempts have been made to have BMO Harris Bank remove this negative mark from my credit report due to my XXXX status. BMO Harris Bank has rejected my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX XXXX from Great lakes for {$5000.00} on XX/XX/XXXX XXXX dispersed for {$2400.00} on XX/XX/XXXX XXXX twice I only received it once and another XXXX XXXX XXXX  was taken out on XX/XX/XXXX XXXX for {$6000.00} dispersed XXXX for {$280.00} and another on XXXX XXXX XXXX for {$2800.00} my father only signed the XXXX for {$5000.00} I never received that full amount to {$5000.00} for the first XXXX and I never seen any of the {$6000.00} XXXX. My parents had paid off the loan in XXXX on XX/XX/XXXX and that is when I discovered how much they had been paying on this since XXXX and then we looked more into it and we seen this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with XXXX XXXX with Loan Depot on XX/XX/2019 to refinance our mortgage. 

I was told we locked a 30year conventional loan at a 3.5 % interest rate with no points or origination fees. 

When the 1st loan estimate came back there was not only a {$1500.00} origination fee there was {$4800.00} in points. 

After contacting XXXX numerous times and several emails he replied by saying he was able to waive the {$4500.00} in points but not the origination fee. We then signed the second loan estimate and necessary paperwork agreeing that there would be no points and they couldnt waive the origination fee. 

I have now received a 3rd loan estimate with {$3900.00} in points plus the {$1500.00} origination fee. 

I left multiple messages with my contacts and also tried to contact their managers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, my wife and I consolidated our loans into a single FFEL Spousal Consolidation loan. This loan was recommended by our loan servicer Sallie Mae. WE had no idea this financial product even existed. In XXXX, we discovered that we would qualify for Public Service Loan Forgiveness ( PSLF ) program. WE contacted our servicer and they told us we would qualify, we need to be in Income Bases Repayment, and that we need to keep working at a nonprofit. We recertified every year with Sallie Mae ( Navient ) : XXXX, XXXX, XXXX. XXXX through XXXX I spoke to a Navient representative and she informed me that our loans would not qualify for PSLF because they were FFEL Spousal Consolidation loans. They said I could qualify if I reconsolidated into Direct Loans with Department of Education. I called the DoE and went through my loans with a DoE representative and they said that I could reconsolidate. I filled out an application and waited and was denied the consolidation, wrong loan. The DoE said I needed to talk to Navient and they could change the loan. Navient said that they could do nothing so I needed to talk to the DoE and they could change the loan. On and on and on. Neither Navient nor DoE have ever given me consistent correct information about this loan. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Flagstar Bank, N.A.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm filing this complaint today to bring to your attention the recent actions of Flagstar Bank - In XXXX of 2021, I submitted a loan modification packet to Flagstar, after losing both of my parents to covid and incurring a rather large financial setback ( funeral expenses ). My request was assigned to a XXXX  and at that time, I was told that one of the options was a deferment, because FHA loans prohibited the homeowner from reapplying for a modification for 2 years, but that they would review all workout options. 



In XXXX, I called to check the status of the paperwork and was told that it was sent and would be arriving in 10 to 15 days. I was also told that it could take longer because they were behind on the paperwork due to several homeowners in forbearance. I continued to call in for several weeks speaking to several managers and hardship task force supervisors stating the same thing, we are behind in the paperwork from the investors. 



This went on until the end of XXXX when I was told that my deferment was denied back in XXXX, due to the date my loan went into forbearance. I explained my story and how I repeatedly checking the status of the deferment and was NEVER told that it was denied, but nothing was done to correct things Once again, I reengaged Flagstar in XXXX and RE-submitted all documentation. Our file was formally opened for review on XX/XX/XXXX and during the process of review, Flagstar repeatedly gave me conflicting information regarding the status of my request. 



On XX/XX/XXXX, I was informed that I was approved for a TRIAL PAYMENT PLAN on XX/XX/XXXX and that all that needed to be done was to make the initial payment on XX/XX/XXXX and the plan would be engaged. 



On XX/XX/XXXX, I called them to ask where the paperwork for the TRIAL PAYMENT PLAN was and asked that a copy of it be emailed immediately. When I received the email, the documents weren't for a Trial Payment Plan, in fact, they were for a USDA Farm Loan Deferment Agreement. To date, no one has been able to explain when/who converted my FHA loan to a USDA Farm Loan . This information CLEARLY conflicts with their response to my Modification request in XX/XX/2021 ( where I was told that I couldnt apply because of FHA loan guidelines ). I've requested, numerous times, for a notice of transfer or notice of new service or letter from them and they have refused to provide me with one. 



Not only this issue, but on XX/XX/XXXX, I was told by my XXXX that my NEW payment was increased by {$40.00}, due to a recent Escrow Analysis. Further investigation showed that the most recent escrow analysis was performed on XX/XX/2021 PRIOR to the latest approval for workout. NO analysis has been performed since then and, once again, Flagstar seems to be operating on deceptive business practices.

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 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( XXXX XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 2022-01-28
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I attempted eight times to communicate with Square , Inc regarding my merchant account which a significant of money was stolen from, via email, and repeatedly get asked to provide information and told I would be contacted in 24 hours however, that never happens. I am not allowed to contact them via phone as I lack a code needed because I have no access to the account, my debit card has NO phone number on it. My fraud issue has been ignored and the person ( s ) who compromised and took my business account ordered his/her own card for this account and it is believed that thousands have been taken without any assistance from Square. 

I am the owner of XXXX XXXX XXXX On or about XX/XX/2021 this account was compromised, the user and passwords changed, and an additional card ordered or requested. To date, 7 months later, I am unable to still even see what has transpired on the account. My phone number was stolen first, and as such any verifications were being viewed and changed by the person who stole the phone number and subsequent email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day for the past two months this company calls me at least six times a day day or night different numbers same company the amount overdue is {$60.00} Ive talk to these people Ive even told them to stop calling now I just block the numbers and dont answer nothing works they just called me from a new number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: Duvera Billing Services, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I purchased a Computer from XXXX XXXX in XXXX XXXX XXXX. The Computer company used a financing company " Easy Pay Finance '' I returned the computer purchased in XXXX of XXXX however Easy Pay Finance never stopped processing payments on my account. I 've contacted them multiple times and have even made them aware that the Company where the purchase was made has been under new ownership twice since XXXX of XXXX. The new owners do not use Easy pay and the product which the contact was made for was returned to the store. They have even confirmed that they ca n't get a hold of the owner of the store themselves yet they wont ' stop processing payments and have even started to charge me NSF fees because I 've asked my bank to stop their transactions. Easy Pay Fincance company keeps asking for me to contact the owner of the company and have me going in circles rather than attempt to resolve my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently discovered that I can have a freeze placed on my credit for free. I have gone to the major credit reporting agencies to do that. On Equifax 's website, I have to create an account before I can place a freeze electronically ( there's no way I'm giving my social security number over the phone and I'm definitely not printing it off and sending it through the mail service ). In order to create an account with Equifax, I have to agree to their terms of service, which, besides potentially changing at any time, require that I agree to Equifax selling my personal information ( see here : https : //www.equifax.com/terms/myequifaxterms/ ). This is not acceptable. Legally, Equifax is required to allow my to place a freeze electronically without charging me, correct? While not asking explicitly for legal tender, requiring me to allow them to sell my personal information is a cost to me and I believe violates my right to a free credit freeze. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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