BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Loan Servicing second time around since XX/XX/XXXX granted a Hemp Mod but will not cancel foreclosure proceedings. In XX/XX/XXXX company took extra money without my permission out of my bank account.I was never served in person only publicly by their attorney XXXX XXXX with the excuse could not locate me when indeed forwarding address was all along in my mortgage.Submitted an affadavit to the courts in XXXX with attached charges.I will submit the court transcript to you.Then the first Hemp Mod was revoked.The judge has the envelope papers came in.The explaination was I mailed in papers too late.It looks like Hemp Mod was revoked 2 days after recieving them.Up to this day Ocwen has not provided me with a copy of those closing papers.I have to make the assertion those closing papers were fake.This time around everything was submitted by me early.It is impossible to have a mortgage and being in foreclosure at the same time.I strongly believe as a customer I have been abused by this company and their attorneys.XXXX XXXX called me immorale and that ignorance of the law is no excuse.Ocwen retained XXXX.Company entered and broke in and items have disappeared out of my house during my absence.The garage door is damaged.Door frames and locks broken out.My attorney has the pictures.I filed a report w the XXXX.Neither Ocwen nor XXXX   have assumed responsibility for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Experian Information Solutions Inc.
State: TX
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:
I pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..

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 2019-02-01
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX my fEDERAL REFUND WAS APPLIED TO THE UD=S DEPARTMENT OF EDUCATION XXXX 

FILED A SPOUSAL INJURED AND MY REFUND WAS GIVEN BACK THE SCHOOL XXXX XXXX LOAN IS FROM 25 YEARS. 
I LEFT THE SCHOOL NOT COMPLETING AND THE LOAN WAS APPLIED TO MISCLEANEOUS CHARGES. I NEVER COMPLETED SCHOOL THERE. 

I BECAME XXXX XX/XX/XXXX. 
NEXT MEDICAL REVIEW BY SOCECURITY IS XX/XX/XXXX MEDICAL RE EXAM CYCLE IS 3+ YEARS XX/XX/XXXX AND XX/XX/XXXX SOCIAL SECURITY WROTE THERE WERE NOT GOING TO REVIEW MY CASE. 

CALLED us department AND WAS TOLD MY ACCOUNT DOES NOT EXIST. 
us dEPARTMENT CALLED BACK AND CONFIRMED I HAD NO ACCOUNT WITH THEM. 

I HAVE SENT THE BENEFIT PLANNING QUERY AND IT SAYS DISABLE WORKER. 
2. IT TELLS THE DATE I WAS DIABLED WHICH IS XX/XX/XXXX AND THE NEXT REVIEW CYCLE IS XX/XX/XXXX WHICH 7 YEARS. 

nELNET KEEPS SAYING THEY DID NOT RECEIVE THE BENEFIT QUERY AND AFTER THREE YEARS ARE TRYING TO TAKE MONEY BY TAX LOOPHOLE NELNET HAS IN THE PASSED CALL THE RSIDENCE AND LEFT MEESAGE WITH FAMILY MEMBERS. 
NELNET IS NOW USING AN OUTSIDE COLLECTOR XXXX XXXX AND WHEN I ANSWERED THE PHONE AND TOLD THEM I BEEN THROUGH THIS EXERCISE THEY SAID THEY WILL MOVE THE CASE TO ANOTHER DEPARTMENT AND CONTACT NELNET. 
THEY DONT HAVE THE PAPERWORK TO ANSWER QUESTIONS. 

WHAT DOESNT NELNET GET IAM XXXX FOR LIFE. 
MY SYSMPTOMS WILL NOT GET BETTER OR PROGRESS. 
IF I TAKE MY MEDICATIONS. 

NOW THEY ARE TREATHENING AGAIN TO FORGO MY TAXES WHEN IT IS A SPOUSAL INCOME. SECOND TIME. 

THE LOAN IS NOW AT {$13000.00} OVER BILLED WITH INTEREST RATE. 
THE SCHOOL DID NOT HAVE PROPER MANAGEMENT FOR LOANS. 
REYCYCLE. 
I NEVER USED HALF THE LOAN. LEFT THE SCHOOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  has never given me any verifiable information that I can take a look it to assess what debt they say I owe? 

I also never got any statements in the mail nor any confirmation of any such debts. 

They blatantly violated the FDCPA and did not disclose my right to dispute. 

Also - they are illegally reporting on my credit report ( which accordingly to several case laws, constitutes a collection activity )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. Kohl's/Capital One agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone hacked my CashApp account and made two unauthorized transactions of {$1400.00} and {$1400.00} respectively. I have reported this to the XXXX XXXX the same evening I noticed it occurring. 

XX/XX/19 around XXXX XXXX - {$1400.00} XX/XX/19 around XXXX XXXX - {$1400.00} I contacted the bank and asked them could they stop the pending charges since it had just happened. They said no but to call them first thing in the morning to begin the dispute. I require either a fingerprint or PIN to access this account and somehow they were able to get Cashapp to change the PIN or they guessed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Applied for a renting lease on an XXXX property with XXXX XXXX XXXX and was notified that they needed proof I had paid off a debt from a collection at XXXX XXXX on XXXX  . Contacted XXXX XXXX and also checked XXXX XXXX which both directed me to Southern Management Systems. I called the first time and they said they did not have me on record. After checking XXXX XXXX and confirming the place that had the collection placed on me, I called again. The woman I spoke to told me that I was not on file. 

She refused to give me paperwork stating that I did not have an account with them owing money. She said they would not give me any letterhead with their company name stating I did not owe them money. She refused to connect me to a manager or another person in the building. Upon asking if they were registered in the state of Florida, she cut me off to say that she was " absolutely not going to give me that '' and that she would be disconnecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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: Information belongs to someone else

Complaint:
Inaccurate Information, not mine

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 2017-12-07
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
You are currently reporting debt to my credit report XXXX and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware of a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX MAILED A PAYOFF TO XXXX XXXX  FOR MY AUTO LOAN {$24000.00} & XXXX XXXX THE CASHIERS CHECK ON XXXX XXXX & CASHED THE CASHIERS CHECK as of XXXX XXXX & XXXX STATED TO ME OVER THE PHONE THAT XXXX RCVD THE CASHIERS CHECK XXXX XXXX & DID NOT CASH THE CASHIERS CHECK & SAID XXXX RETURNED THE CASHIERS CHECK TO XXXX XXXX XXXX UNCASHED, HOWEVER XXXX XXXX XXXX HAS A COPY OF THE CASHED CASHIERS CHECK WHICH XXXX XXXX XXXX SUBMITTED TO ME AS PROOF OF CASHIERS CHECK CASHED BY XXXX XXXX/I HAVE FILED A PETITION XXXX COUNTY CLERK OF COURT, XXXX COUNTY FL CIVIL CASE AGAINST XXXX XXXX FOR FRAUDULENT BILLING PRACTICE AGAINST ME THE PLAINTIFF XXXX XXXX XXXX CASE # 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 explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: NY
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:
I am having issues with Experian disputes in regard to credit inquires that I did not authorize. I have opened up disputes directly with the creditors and they have all been of no assistance saying that they are not required to furnish me any documentation of the inquires on my report even after I advised them I never gave authorization. I submitted a complaint to Experian and instead of Experian looking into my dispute and inquires, Experian instead just said some of the inquires were no longer on my report. on XX/XX/2020 I am requesting that Experian investigate the inquires that I will be attaching to this complaint and delete all highlighted inquires as they were not authorized by me. I have tried to submit my claims to each company that did a credit inquiry on me without my authorization. I am now requesting that Experian conduct the dispute expeditiously. Experian dispute center reps have acted unethically in the past when I have submitted documentation to them disputing authorized activity.

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 2018-03-10
Company: Credit Service International Corp
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Please know that I am requesting debt validation for the account that is in the amount of XXXX on my XXXX credit report Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: AFNI INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am here once again filing a complaint against Experian for giving me the runaround. I have 2 items reporting on my credit report due to identity theft. I was told to file a police report and affidavit. I did so and called Experian and a representative said that they could no accept my police report because it is an " automated report '' and the officer didn't sign the police report. The police report was filled out XXXX XXXX XXXX XXXX, XXXX, AL XXXX, XXXX. Officer XXXX helped me file it and Sergeant XXXX reviewed and signed it. There is no reason to continue to give me hard time about this unless you are discriminating against me for some reason! Delete the 2 items XXXX XXXX and XXXX from my report. You already deleted an inquiry you discovered wasn't mine and you added a fraud alert. Delete the remaining 2 items as well. THIS IS NOT A DISPUTE REQUEST. DO NOT DISPUTE!

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 2019-02-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Inaccurate Information, not mine

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 2022-01-07
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I just wanted to ask why I dint qualify for this lawsuit against santander in XXXX when they did the same thing to me in XX/XX/XXXX. When I received this car they knew I only received ssi they saw all my creditors knew I own a home and pay mortage and was raising grand kids. They knew I wouldn't be able to keep up with this loan. They lost big because of they actions with low income buyers and they are still doing it They lost a lawsuit in XXXX and the next month they did the same thing which they was being sued for To be part of a new lawsuit if one ever comes available they knew I would t able to pay this loan. They saw my income and bills and still ket me buy a new car https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Navient Solutions, LLC.
State: NY
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:
On my credit report it says that I missed payments which isnt true. I have bank statements that shows I have paid them during those months. This has brought down my credit score considerably.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I'm getting threatening letters from Midland Credit Management there going to have the sheriff or police put me in jail.To personally file a lawsuit. I've been XXXX by the federal government since 2014 and still XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This bank it giving me a hard time first they told me to apply online I do and I told them I have a fraud alert to process my application they must verify my identity they then tell me to send them my license which I have and they still have not opened it instead keep me on hold and application this is nkt fair instead of processing my identity and having the account opened

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 monetary relief
Consumer complaint received 2021-03-29
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against sunrise credit services. This debt collection company has intentionally violated the fdcpa/fcra. Sunrise credit has just reported derogatory information on my credit reports in the amount of {$1700.00} for a debt that isnt mine. I have never recieved a dunning notice in the mail which allows me 30 days to dispute validity. I have lived in New Jersey at the same address for all my life and never recieved any notice from sunrise credit. I am in the process of purchasing my very first home for my family and this errounous account is now holding me back from achieving my goal. I am requesting this account be deleted from my credit reports immediately. XXXX, and attorney general complaints will be filed if account isnt deleted. Thank you for your time.

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