BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: Bepensa Capital, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with the company about paying the debt XX/XX/2018 which only occured bcus i didnt have gap insurance.. ever since i suffered the loss of the vehicle the company has been reporting as if it was a repo of {$10000.00} instead of a loss that was paid by my insurance minus the gap part..i talked to the rep who stated if i didnt accept her pay to delete which was {$800.00} and pursued my complaint back thru the credit bureau she will add additional interest on to the account which she state is {$1500.00} right now..i cant afford to pay for this debt right now i just want the correct amount to be stated 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 2018-06-07
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX from XXXX XXXX XXXX contacted my employer. My employer took her name, company name and number and asked what it was regarding. XXXX response was that he knew meaning I would know what it is concerning. I called right away and they wanted me to verify my identity. I was upset at first asking why I have to verify my identity when they called my company looking for me. When I finally gave the last 4 digits of my social, she said wrong person. I asked if they live in the city where I lived and she said no. He lives in XXXX, oh. So they contacted my employer, made it sound like Im a deadbeat and they dont even have the right person. This is wrong!

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 2018-06-07
Company: EQUIFAX, INC.
State: MA
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 was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX  ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

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 2020-02-05
Company: Global Financial Services Group
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2020 I found out from the SCDOR  that about {$500.00} was seized from my taxes for medical debt. I did not receive any notification written or verbal that my medical debt was sold to this company. The employee over the phone told me that they had my address wrong, and that my phone blocks Robo Calls ( which is a service I very recently activated ). I was never made aware of this company, or that any money was owed to them and it should not have been taken from my tax return with any knowledge. Ive been making multiple monthly payments on my medical bills, and did not have any notification of a portion going to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper / Nationstar overpaid my insurance resulting in a refund which they never reapplied to my impound account or mortgage balance. Essentially Mr. Cooper / Nationstar overpaid my insurance and then kept the refund, stealing a {$2200.00} refund meant from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Javitch, Block & Rathbone LLC
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Javitich Block in XXXX, Ohio on XX/XX/2019 in matters regarding collections on a XXXX XXXX XXXX XXXX XXXX XXXX that the CFPB already settled with regarding this matter. I have yet to have had an independent review of my case from XXXX County Court and I believe at the time of the filing they used falsified documents to win a judgement in the matter. The collection attempts is a clear violation of the recent settlement agreements that the CFPB has with XXXX XXXX XXXX XXXX XXXX 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 2021-05-01
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for public service loan forgiveness on XX/XX/2020. I have completed all requirements. Such as 10 years in public service as well as yearly employment certifications. When contacting FedLoan they stated it can take up to 3 months for forgiveness. It has now been almost 5 months and nothing. They state the application has been forwarded to Federal Student Aid. When contacted they provide little information regarding the status of my application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My ex-husband is a XXXX in XXXX, CA. 
We have been divorced since XX/XX/XXXX. 
Back in XX/XX/XXXX XXXX XXXX XXXX, XXXX stole my identity, and I had to contact the FTC ... file a formal complaint, and it took years to fix. 
His whereabouts are kept ( all his bills are being paid, etc ... ) secret by XXXX XXXX XXXX, as well as his younger brother who is XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX. ( extremely XX/XX/XXXX. has FAILED to hold up to his oweth as an XXXX XXXX XXXX XXXX ). 
Now I am receiving NEW letters via USPS from collection agencies and attorneys who state that I am in default of payment to credit card companies, yet AGAIN. 

My credit score shows 3 different credit card balances which were NOT opened by me ; XXXX XXXX XXXX, XXXX uses the unique spelling of my name, and has copies of all my personal data. He waits until I go to great lengths to fix my credit, and then re-applies for whatever credit card company he's able to trick into giving him a line of credit in my name, under my social security number & date of birth. 

He is a dnger to the community. A hopeless XXXX, and has been allowed to thumb his nose at the Judicial System for over 25 years, thanks to his immediate family. 

He is in default of his court ordered child support which dates back to XX/XX/XXXX. 
What is wrong with this country?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: NAVY FEDERAL CREDIT UNION
State: UT
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:
Navy Federal Credit Union is reporting inaccurate late notations on my credit report. I pay my bills online and did not get any notice that I was late. I only realized when I pulled my credit. The payments made online were always on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit systems management collaborative of Alabama keep reporting a collection of XXXX to credit bureaus in the name of XXXX XXXX my name is XXXX XXXX XXXX and I've never rented apartment ..The apartment don't belong to me.. I been trying for 2 yrs to resolve this issue..im not sure who rented apartment using my information but it wasn't me.cant file theft of property.im not sure..i have a idea but I don't want to say because I could be wrong ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a closed credit card account with XXXX XXXX XXXX XXXX. The card did go into default, but several months ago the parties came to an agreement regarding repayment. The account has been paid on time in accordance with said agreement -- payments in the amount of XXXX  per month for an agreed upon period of time. The bank continues to report this account in default and in collections when it otherwise should not be, and which is contrary to the terms of our agreement. Moreover, by not updating the amounts received and a reduction for the purported balance owed, the information being reported is inaccurate.

Also, I have requested now on numerous occasions to be sent a copy of the agreement that was reached prior to the first {$150.00} that was paid. It has now been three payments later ( 3 months later ) and I have yet to receive a copy of our agreement. I have now made several calls attempting to address this issue with the bank and they refuse to provide the agreement. This information I am told is well documented in the notes on the account as a reference for your investigation.

In addition, I have notified transunion, along with the other major credit bureaus of this issue and they have not been able to resolve this problem.

I am requesting that the company remove this account from collections and notify the three major credit bureaus of this change to the status of the account.

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 2019-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
This complaint is specific to practices by capital one bank. I held a personal line of credit with lender since XX/XX/XXXX. I received a letter from capital one XXXX XXXX which claimed the loan was in Default and no additional credit would be extended and once the loan was paid in full the account t would be closed. I was unaware of any default on the account but did immediately paid off the balance of approximately 24k in a single payment. I contacted the lender and was informed capital one no longer offers personal loans and is marking all accounts where possible as in default. It didnt make sense to me at the time but upon reviewing my recent credit report I see that capital one reported my account as delinquent virtually destroying my credit score. They clearly sought a way to remove themselves from the personal loan and caused me personal harm in the process. After seeing the impact to my credit I Immediately contacted capital one to learn they claim my XXXX payment was late because I didnt make the minimum payment. I advised them my payments were always made online through their platform including the final payment to pay the balance. They stated I should not have relied on the minimum monthly payment reflected on line as that could have been inaccurate. In fact they state I paid an incorrect amount prior month ( despite what was stated as the minimum payment online ) which caused a portion of the unpaid amount to carryover from month to month unknown to me. The customer service representative informed me the capital one online banking system was not where we want them to be and that I should not have relied on the minimum payment amount reflected on their system. Why am I being held accountable for a flaw in their online banking system and frankly I now believe this was simply an attempt for capital one to close personal loan accounts through their own admission they no longer want to offer. They want off of these loans now and have undertake questionable business practices to do so. When you call capital one XXXX customer service number the pre recorded message now states capital one is no longer offering personal loans. These are deceptive practices by capital one with intent to elimate loans and create adverse credit impact for its customers. I have challenged this through credit agencies with no success and sent email to Capital One CEO and his executive team and did not receive a single response. The documentation provided by capital one to credit agencies claims a late payment but the specific individual months never reflect an overdue amount. Given likely large scale pattern of behavior and business practices against consumers, CapitalOne will be subject to a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT NUMEROUS TIMES TO THE BUREAUS BUT I AM NOT SURE WHY THEY ARE IGNORING MY REQUESTS. WHY DO THEY OFFER THE OPTION OF COMPLAIN AND REPORT IDENTITY THEFT WHEN THEY WILL NOT HONOR ANY DOCUMENTS OR REQUEST. JUST BECAUSE SOMEONE STOLE MY IDENTITY NOW I HAVE TO PAY THE PRICE FOR YEARS. HOW FAIR IS THAT TO ME AS A VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from XXXX XXXX stating that my credit has changed. It was from Midwest Recovery Systems. They stated that I have a outstanding debt for the amount of {$1000.00} which i did not owe. I have tried calling them. Line is always busy. I have been fixing my credit for 2 years now and I got it to an excellent score. Now with this on my credit report, I have taken me to a good score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Conn's, Inc.
State: OK
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 was alerted that I had credit inquiries from someone trying to get credit under my name I notified the companies and the credit bureau that I had fraud and identity theft happening now they are refusing to take the credit inquiries off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Phillips & Cohen Associates, Ltd.
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 received a letter from Phillips & Cohen Associates trying to collect an alleged debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: CU Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, 2017 a person name XXXX from C U Recovery , Inc. called my place of employment. When I asked where she was calling from she refused to tell me and asked me why I was screening my calls. She said she was going to call me back at my job and hung up before I could say anything. She had called a few minutes before this call and I sent it to my voicemail. She did not leave a message. I posted a message on their website stating that they are violating the Fair Debt Collection Practices Act by continually calling my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been contacting XXXX  and Experian several time to correct their internal data. They are recording " No record found '' for my credit report because they do not have my first name in their system. If they corrected their data, my name would be reflected accurately : XXXX 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 2020-10-12
Company: Navient Solutions, LLC.
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Between XX/XX/XXXX-XX/XX/XXXX I attempted to submit XXXX  loan forgiveness application to Navient student loans, 6-8 times. Each time, customer service said the application was denied due to an error on the application. I attempted to correct several paper errors, fixing simple corrections. Navient claimed I did not fill out paperwork properly, however, each time directions to correct the errors was different and my paperwork was continuously deleted each time. I do not believe Navient kept adequate documentation on my progress to complete the application. I met all of the requirements according to the loan. I have documentation from XXXX  ; my certified XXXX  XXXX  XXXX  XXXX XX/XX/XXXX; an employment verification with XXXX  from XX/XX/XXXX-XX/XX/XXXX ; and proof of working at a XXXX XXXX XXXX I believe Navient is refusing to accept my application even though I have met all of the  requirements to qualify for the XXXX  Loan forgiveness program. I believe to the best of my knowledge I qualify for the maximum amount to be forgiven, {$17000.00} and Navient is refusing to honor this application based on dishonest and/or unethical reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: GA
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:
The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to XXXX for the same amount. XXXX never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so XXXX XXXX has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to XXXX for the same amount. XXXX never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so XXXX XXXX has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.

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 2019-01-18
Company: Asset Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The Asset Recovery Solutions company made an unauthorized withdraw of XXXX from my account. And I need the money to pay my XXXX to prevent XXXX  time for myself

Company response to consumer: Closed with explanation