BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CREDENCE RESOURCE MANAGEMENT violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day timeframe is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CREDENCE RESOURCE MANAGEMENT fail to meet the legal requirements by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Unlimited Progress Corp
State: IN
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:
XX/XX/2018 i requested that that the two collections on my credit reports be validated and i received no response what so ever. I have tried to dispute this with all three credit bureaus as well and they refuse to acknowledge my request. I have a right to know what is in my file and who provided it without my consent. Currently it is two collections on that is being reported by the name of ( XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} ). The second collection account that is being reported is by the name of ( XXXX XXXX XXXX XXXX with a balance of {$8600.00} ). I also know that I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. Not one of these companies can provide me a signature stating that i authorized the provider to release my medical information to them and that is a violation of the FDCPA.

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 2021-04-29
Company: EQUIFAX, INC.
State: NY
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: National Commercial Services, Inc
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX-XX/XX/2017 ( amount was {$9000.00} ) Received phone calls from National Commercial Services about having to pay a claim dealing with a car accident Stated if I didnt pay the amount, I will go to jail and they will suspend my liscense.

I told them I couldnt pay the amount and they didnt care about my situation and said I have to pay no matter what. Not sure if its a scam. The insurance company never said I had to pay a claim.

They never sent me a letter stating why I had to pay so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
National Credit Adjusters has called me in attempt to collect a debt for XXXX XXXX. XXXX has not contacted me at all regarding debt. I just started receiving phone calls from National Credit Adjusters on XX/XX/18 stating that I owe ~ {$2900.00}. I have received several phone calls since then. National Credit Adjusters are illegally trying to collect funds from me because they are not licensed in Missouri to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Law Office of James R. Vaughan, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2020, I spoke with a collector which I believe his name is XXXX at Law offices of James R Vaughn XXXX XXXX ) XXXX, Washington Office, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX. I spoke with this collector in length about paying monthly payments or to settle out the debt. After speaking with this collector, he wasn't wanting to work with me and I advise him I wasn't working and then afterwards he said your husband works and I was playing games and since my husband works and we will go after him. I was very distraught and spoke with my husband about the call. My husband called them and he spoke with XX/XX/XXXX which refused to file a complaint and also he asked for a debt validation because they had my husbands SS # and date of birth. My husband then called back to speak to a manager, He spoke with XXXX XXXX, and after speaking with him about the call, he mentioned the collector did make a mistake and apologized but refused to accept blame. My husband spoke to him about the debt that was created before the marriage. XXXX stated that the attorney forgot to click off a button and a suit was filed for both our names but now my husband wasn't responsible for the debt. He also wouldn't comment how they have his SS # and DOB. He wouldn't go any further but to collect the amount due. First XXXX didn't address the issue that my husband was refused the opportunity to file a complaint nor was I given the opportunity to ask for a debt validation. This is wrong at all levels of this company!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: AL
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:
When I review my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these reported accounts. It is not acceptable to treat these reporting accounts as unverified information without producing proof. Please reinvestigate the unverifiable accounts listed below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried tor to resolve my issue of a loan modification with Bayview Loan Servicing several times. I have resently filed a complaint against them for not allowing me to have modification do to an issue with my employement during the last one that made it impossible to make the third , and last payment on time for my last modification. I gave them evidence of the change in income, and job that caused this, and it was not excepted, even though I did try to make the last payment only two days after their cut-off date . In their last denial, they gave me the option to file for another loan mondification along with sort sale , and deed in-lew of foreclosure. I submitted a new loan modification application on XX/XX/2019, requesting new consideration. I Am doing this new application even though it has been over a year since the old approval , to which they have denied my because I an still the year due to when the trial months fell, not the approval itself. I want to ensure that I will be given fair consideration , and not rail-roaded into losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Specialized Loan Servicing Holdings LLC
State: MD
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:
Received alert from XXXX XXXX XXXX that I had negative information posted to my credit report. Went to XXXX to review the Item. XXXX, XXXX, and XXXX  were displaying that I had a late payment for XXXX for Specialized Loan Servicing that is now 60 days past due. Filed a dispute on XX/XX/2020 with all three agencies and provided receipts that I had not missed a payment for XXXX, XXXX and XXXX. Also, contacted Specialized Loan Servicing on XX/XX/2020 and they had stated that they had received my payments, but had not posted them to my account. That they would put in a ticket to escalate this issue. Nothing has been updated on my credit reports.

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 2020-10-25
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1. My vehicle was hit in XXXX XXXX, 2020 and declared at first " Total Loss '' by the hitter 's insurance company, XXXX XXXX. However, I and the insurance company agreed later that my car could be fully saved after repair simply because the damage occurred to trunk only and the mechanical function was never affected by this accident. Therefore, the insurance company paid all repairing cost and the repair was completely done in XXXX. I also achieved the certificate of no mechanical error from the California State government-designated mechanics. 

2. I contacted the California DMV to renew the registration in May, but they said my car was still in salvage status that the Hyundai Motor Finance ( HMF ), the lender for my vehicle, should cancel salvage. The DMV also wanted me to bring a copy of title or lien. 

3. From XXXX, I have contacted HMF and they did not know how to handle this request from DMV. Their insufficient understanding of job knowledge dragged this problem until XXXX. Finally they wanted to receive the cancelation notice of total loss from the insurance company, XXXX XXXX and so XXXX emailed this notice to HMF 's total loss department on XXXX, 2020. Despite numerous contacts with HMF 's customer service which has required 30 to 90 minutes each time, they answered their computer did not show the receipt of notice and so wanted again another email from insurance co. The insurance company again sent an email to total loss dept. of HMF on XXXX XXXX. The insurance company always forwarded me their emails. 

4.Since XXXX XXXX, I have contacted the customer service five times to check if their total loss dept. received the notice from insurance co. However the customer service staff and their supervisor as well again did not know what was going on with their total loss dept. saying apology and asking to wait one or three days or a week. On XXXX XXXX, the supervisor, XXXX, wanted the insurance co. to fax the cancelation notice to their total loss dept. I repeated this ridiculous action asking the insurance co.to send again notice by fax. 

5. Due to failure to respond this simple request on time, the Cal DMV accrued the penalty. And I even was not able to drive this car since XXXX. 
That's why I sincerely look forward to the CFPB 's help in dropping the salvage and covering the loss of my time and DMV 's penalty by Hyundai Motor Finance. 
Thanks 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 2023-09-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
account # XXXX XXXX XXXX XXXX reported a {$540.00} balance increase that caused my credit score to drop XXXX points.This is a personal loan not revolving credit each month my balance decrease not increase this is inaccurate reporting on my report. 

Account # XXXX XXXX reported {$7.00} increase on my report which caused my credit score to drop XXXX points when in fact my balance decrease.

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 2020-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. XXXX  XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Account Number:XXXX This letter is in response to your credit report entry on XX/XX/XXXX related to the debt referenced above. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I have disputed this account for three years, I have requested proof of debt a sign contract regarding this card belongs to me with the date of the contract. XXXX XXXX XXXX has been unable to provide a sign contract to me. I have received multiply times a copy of a statement from Capital One dated XX/XX/XXXX. This statement is not proof of debt. ( Please send sign contract ) I have contacted your location and been advised that XXXX is not the owners of this account. Due to not getting the credit record removed, I will have to report this account to the XXXX  XXXX XXXX XXXX as fraud as well to all reporting agencies. Further reporting of this account on my credit file will lead to legal action. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I am request full verification of this debt and ownership of account along with the transaction report of how much XXXX bought this account for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loans during the CARES AcXXXX. I consolidated my XXXX Loans from my XXXX XXXX XXXX, Great Lakes, with the help of my refinancing lender, XXXX. This refinancing payment was made on XX/XX/2022 for {$28000.00}. With the announcement of the Biden Forgiveness Program ( XXXX XXXX XXXX ), I wanted to see if there was any possible way to get my money refunded even though it was no longer federal and heard from many others who refinanced during the CARES Act that they were able to get their refinancing payment refunded as it states that you will are eligible for a refund on ANY voluntary payments made during the pandemic, I simply needed to contact my servicer. Since I had a XXXX XXXX, I was eligible for {$20000.00}, so I gave Great Lakes a call to request the refund. They said they had to get it approved by the Department of Education and in a couple of weeks I got a call back from Great Lakes saying it was declined because the payments were made by a " 3rd Party. '' The only wording kind of close to what they are saying is that " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. ", but it doesn't state that you won't/ca n't receive the refund, simply that no matter who paid it, if you request it, you will receive it. This shouldn't be an issue as I have personal accounts of many other people who were able to get their federal loans refunded/reinstated even though they refinanced AND my refinancer, XXXX, has said they would be willing to do a group call with Great Lakes to make the request if need be. Both Great Lakes and/or the Department of Education are not providing the services that they say are allowed as I meet all criteria and know many others in identical situations that were given their refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.

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 2020-10-25
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.

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 2021-02-23
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 non-monetary relief
Consumer complaint received 2020-10-25
Company: EQUIFAX, INC.
State: FL
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:
Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Lending Club Corp
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company lending club is reporting on my credit report and I can not get a loan or any type of job and he is affecting my life my credit report is being affected very badlyMy mother get approved for a loan and I was on a cosigner and she filed for bankruptcy and I am not in bankruptcy my name is XXXX XXXX But even though that it is in bankruptcy they still have it on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
According to Ocwen rep. XXXX ID # XXXX the application for a loan modification was denied on XX/XX/2018. When asked why the louan was declined she could not provide an explanation. We asked if the loan was in foreclosure and she replied no. However the borrower received a notice of default from the law firm of XXXX XXXX XXXX dated XX/XX/XXXX. We believe that Ocwen continues to violate provisions of the CFPB regulations regarding servicing by dual tracking and providing misinformation regarding borrowers status.

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