BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Mountain Run Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, a Utah collection agency, Mountain Run Solutions , LLC, reported a collection account they claim to have acquired from an original creditor XXXX XXXX We never received any written correspondence in the mail regarding this alleged debt and we were not given the opportunity to dispute the alleged debt. We discovered the reporting on XX/XX/XXXX when we received an alert from our credit monitoring app. On XX/XX/XXXX, I received a text message from Mountain Run Solutions , LLC stating they have purchased the account from XXXX XXXX and demanding that I sent them {$800.00} to settle the account by XX/XX/XXXX to have the reporting removed from our credit files. 

I wrote the credit bureaus to dispute the reporting and each credit bureau wrote back claiming to have verified the account. I knew it had to be impossible because there was no such account. 

I then wrote a letter to Mountain Run Solutions , LLC explaining that we had no knowledge of such an account and requesting for them to provide me with documents to verify the alleged debt. I received an email on XXXX XXXX from an XXXX XXXX at MRS with documents attached. One of the documents was a service agreement. A few things immediately stood out on this service agreement : 1. The signatures on the service agreement for my husband and I were forged. The handwriting is obviously not ours. My husbands name is misspelled, and I was given the middle initial XXXX which I never had. 

2. The company name on the agreement was XXXX XXXX XXXX XXXX not XXXX XXXX 

3. The contract was dated XX/XX/XXXX which puts this action outside of the three year statute of limitation for debt collection in North Carolina. 

After reviewing the F rating and several of the over 400 complaints received at the XXXX XXXX XXXX on Mountain Run Solutions , LLC regarding the same type of fraudulent collection activities, I am appalled that this agency is still allowed to operate in the state of Utah. This company is practicing deceptive and unfair trade practices, forgery, and wire fraud. 

Personally, because of this fraud our credit scores have decreased by 30 points, we have suffered character defamation and we have been turned down for financing due to having a recent collection account added it to our credit files. 

I have attached the following to this complaint : Exhibit A ( 1 ) & ( 2 ) - Text message I received from Mountain Run Solutions , LLC Exhibit B- Letter I wrote to MRS requesting documents to validate the alleged debt Exhibit C- Forged Service Contract dated XX/XX/XXXX Exhibit D- Letter supposedly from XXXX  Exhibit E- a Demand Letter for the alleged debt Exhibit F- Fake Account Statement

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2017-06-22
Company: SN SERVICING CORPORATION
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SN Servicing Corporation provides mortgage servicing on a loan I took out in XX/XX/XXXX. The loan was to be interest only for the first 120 payments and then fully amortized after that. The amortized payments were to begin with the XX/XX/XXXX payment. However, SN Servicing failed to determine the new payment amount and showed a interest only payment due in XX/XX/XXXX. On XX/XX/XXXX, I called SN Servicing to see why they had not adjusted the billing amount for the fully amortized payment. XXXX XXXX, the service representative, stated that she would have applicable department determine the payment amount and she 'd call me back that day. After receiving no phone calls, I again called on XX/XX/XXXX, this time XXXX said she just got the information required and the new payment amount would be forthcoming. I finally received an email from XXXX on XX/XX/XXXX with the new monthly payment amount of {$420.00}. She also included the amount due of {$260.00} for XX/XX/XXXX since I had already paid the {$150.00} that was shown on the billing statement SN Servicing had provided previously. The next day I logged into my account with SN Servicing and made an ACH payment of the {$260.00} that was due. The payment posted that day along with a late charge of {$21.00}. It 's unbelievable that this company can fail to accomplish their contractual obligations, fail to provide information in a timely manner as they had promised, and then charge me a late fee.

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 2022-09-07
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a car from the XXXX XXXX in XXXX Indiana on XX/XX/XXXX. I was financed through the Automotive credit Corporation. the total amout financed was {$6100.00}. I paid {$800.00} cash down to the XXXX XXXX. the owner of the company is XXXX XXXX. THe finance company paid the car lot in full so i then made my payments to them through their web site. I had a family emergency that required my finaces but i i had made arrangements with the finance company. I paid them {$200.00} of the {$260.00} payment and i agreed to catch the the remaing up. 

On the XX/XX/XXXX the XXXX XXXX sent a tow truck and took my car. I do not make i payments to them i have a letter from the finance company telling me to deal directly with XXXX about my account. The next day i called to see how i get my car car back and what i need to pay. XXXX then informs me that they do not have my car, nor did they authorize the reposessioin. they advise me to contact the police to see if a repo was reported to them. 

The dispatch officers informs me that no repo report was made so i then procced to file a stolen vehicle report. I also called the XXXX XXXX and XXXX XXXX said they didnt have the car. when the police filed the report XXXX XXXX then informed the officer that he repossed it. 

I have the call recorded with the finance company at that point saying that they do not know why he has the car or or what he wants to accomplish by taking it. 

The finance company sold my car back to XXXX XXXX who is now going to sell it at an auction. So my contract was cancled with XXXX and wont tell me why. i recived a letter on the XX/XX/XXXX stating any questions need to be directed to the XXXX XXXX 

I dont belive either company has a license to finance so i was decived and robbed of my money. also they voided my signed contract. over XXXX bucks.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-06-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
- I opened a Citibank interest checking account using the {$300.00} bonus offer promotion  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ).    - In compliance with the offer, I made a deposit of {$15000.00} on  XXXX / XXXX / 2017 , and also completed the direct deposit requirements.   - According to the terms, the bonus should have posted within 90 days of completing the offer requirements (  XXXX  ) - However, they asked me for additional tax documentatio n (   XXXX   )  on  XXXX   XXXX , even though I had provided all the necessary information with my application. I submitted the tax documentation on  XXXX   XXXX  which was delivered on  XXXX   XXXX , but I still have not received the {$300.00} bonus in compliance with the offer.

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 2018-06-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Toyota Motor Credit sent a claim against me for {$370.00} for an end of lease amount due on a XX/XX/XXXX lease. They sent it to XXXX XXXX of New Jersey at XXXX XXXX XXXX, XXXX, NJ XXXX for collection. XXXX made harassing phone calls to me. Previously, I asked them for a justification for the charge. On XX/XX/XXXX, I spent over an hour and half on the phone with Toyota Motor Credit and Toyota Motor Credit was unable to tell me why they say I owed {$370.00}. Toyota Motor Credit patched me to a person at XXXX XXXX. On XX/XX/XXXX, the XXXX Associate told me the the {$370.00} was for for a disposition fee and that he was sending to me proof of this. When I received the package from XXXX on XX/XX/XXXX, it shows that the deposition fee had been waived and the paperwork did not provide a justification for the {$370.00} charge. Being tired of being harassed by XXXX, on XX/XX/XXXX I paid the {$370.00} by mail and filed this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Credit Karma reported a wrongful information for me to apply for a credit card, and it had affected my credit score to drop, it stated that I have an excellent chance of getting approve for XXXX XXXX credit card, which I did went by what they send me and apply. And I did not get approve. But credit karma did stated, that I have an excellent chance of getting pre-approved for the card. Now, It has a hard inquiry on my credit report and drop my credit score. Please help. I have been trying to improve my credit score for a bigger goals to purchase a home, and put a trust in credit karma to help me, but I did not know the outcome will turn left for trusting credit karma. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We are selling our home with a short sale due to us being unable to make the payments any longer. We have two loans, primary through XXXX XXXX  and HELOC through an investor being services by SLS ( Specialized Loan Services LLC ). Both XXXX and secondary lien holder have approved the short sale. XXXX has given us a deadline of XX/XX/XXXX to close the sale or they will begin foreclosure. However, SLS ( who do not own the loan but simply service it and get paid for it by the investor ) hs made everything possible to jeopardize the closing before the deadline. They have been very slow to provide documents needed for the closing, they have sent the wrong documents and despite daily calls from us and our realtor they refuse to meet the deadline for the closing. we feel they have been doing this intentionally because they get paid service fees for the loan and once the loan is closed they will no longer be paid. Their inaction is leading us to foreclosure and we feel we have done everything within our power to complete this short sale and avoid foreclosure. SLS is jeopardising this short sale, despite prior approval by all parties and we need your help.

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 2017-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
The inquiries on my report were unauthorized.   XXXX   does not want to investigate in to the situation for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I received an email from credit karma recommending I apply for a XXXX XXXX XXXX  account. The email stated that I had outstanding odds of acquiring an account. I'm all for building up my credit but when I went to apply for it XX/XX/2022, I was denied. The email that was sent out to me from credit karma was dated for XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX posted the wrong information, we called and they told us my account was XXXX $ so I asked why they charged me XXXX $ for no reason, they told me they are going to fix it, and in the end, they fix it and I decided to close it. 

Since I got this credit card I barely used it and it gave me a lot of problems, one of the reasons I decided to close it, was because this bank for some reason shows me charges that I never did or recognized and it charged interest of those charges and late fee. Like I said before, I don't use this card at all. When I checked it using the app and I saw those charges I called the bank immediately because I never used my card and they charge me for something that I never used and charge a late fee and other amounts that I never recognized or accepted. According to the last call they fixed it and my account was XXXX $ I decided to close it and they told me my account was XXXX $ and closed it and they told me nothing to worried. 

I called the bank to know why they report a negative and they told me to fix this issue I need to re-open the account again and the bank will fix it, so I said no, I don't want to re-open it. I don't want any relation with this bank. They didn't give more information and I told them that I need an explanation of why was the reason I got a negative on my credit. I insisted to get an answer and they were rude and disconnected the call. My credit was intact and had good points and I am trying to keep it high, but this bank affects my credit report. And according to the last call, I requested to close the account without any debt and they told me it was closed and had no debt. Please help me to resolve this issue, I need to clean my record and keep it clean. Thank you. 

Please find in the attached file where they fixed everything and put the account XXXX $ with no debt, all amount was fixed and the account with no debt. 

Transunion file number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Ocwen Financial Corporation
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filed a complaint against XXXX to which they replied in a complete wrong. I have provided them with taxes, hardship letter, divorce, quick claim deed AND a new application. Just yesterday they sent me a letter asking for this information. They did not include a request for the quick claim deed ( Which I sent XX/XX/XXXX. ) They are asking for information over and over from my ex-husband who should have been taken off the loan/mortgage. IF they are behind in paperwork they can own that. BUT looking at dates and timelines. I sent them a divorce decree XXXX XXXX, XXXX. This process began in XXXX in my name. XXXX XXXX. 
I would aslo like to add a PS that this company did charge over {$5000.00} in past legal fees as well as attempted to foreclose on this house in XXXX. Although they claim to want to help people it is my experience that they bully and torment clients to the point of exhaustion and come in for the kill. 

At this point again XXXX they are ashing me for yet again a new stat on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a medical debt, nearly 5 years old, by a local XXXX XXXX, for interpretation of an XXXX. Their charge in 2015 was {$390.00}, but because the XXXX XXXX had a contract with my health insurance carrier, that charge was reduced to {$220.00} which was my responsibility. The XXXX  XXXX XXXX A/R was purchased by XXXX who turned this over to MBA Law Collections Agency. I was unaware this debt was outstanding until my credit report monitoring service notified me of a negative posting by MBA Law and only subsequently did I receive a demand letter from them for {$390.00}. My complaint is with MBA Law : 1 ) MBA Law posted their collections action to XXXX  & XXXX  consumer credit reporting agencies before notifying me of their claim and giving me an opportunity to rectify it. 
2 ) MBA Law wants payment of {$390.00} but they are only entitled to payment for the original debt owed by the account Guarantor, which is {$220.00} due to the XXXX XXXX XXXX  contract with my carrier in 2015, XXXX. 
3 ) Despite an offer in writing to MBA Law to cover the full {$220.00}, I have not heard from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Greetings! I am filing an official complaint against Select Portfolio Servicing , Inc., XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX for continuing lies and unprofessional attitude. I have an existing loan with SPS - XXXX and I have set up an automatic bill pay with my banking institution. In XXXX I made an accidental double payment in the amount of {$3500.00}. Once I discovered my error, I promptly contacted them and requested that they wire me back the money to my bank account on record, and have faxed them numerous times all the pertinent information - XXXX routing number, account number and the contact information of my banking institution. The last week has been, mildly speaking - XXXX on earth. Different reps telling me different stories, tossing me around from extension to extension, putting me indefinitely on hold and just dropping the connection at will. So, finally, they promised that today, XXXX I will have the check overnighted. To me, such an attitude where you tell your paying customer a whole bunch of lies and just never bothering to do the right things is just unacceptable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please pull the phone records for a conversation that took place approximately XXXX XXXX XXXX. I  had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months grace period after graduation. So I called in because I had just graduated 3 months prior. The representative told me that I was correct and that you guys start sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XXXX XXXX XXXX I  waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I cant get a decent rate on my car loan, and my credit score has been brought down to the XXXX 's solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals then automatically get rejected too. I have called in and talked to Fedloan customer service additional times and they told me to keep submitting more disputes ; which I have to no avail. This is ruining my life. I have been experiencing constant stress, imbalance in my relationship, a feeling of financial insecurity, XXXX, XXXX. This is not fair to my human well being and a direct block of the American dream. I have attended college for 7 years straight full time and got a good career and I have had my Fedloan student loans as well as ALL of my other bills set to Autopay ( never missed or late ever ) and yet I am rejected for a home mortgage and can not move forward in life. Please help me CFPB! Please do n't let them continue to ruin my life! <P/>-XXXX

Company response to consumer: Closed with explanation