BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-21
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Invalid collection placed on credit report- violation of fair debt collections act, After reviewing a copy of my most recent credit report I noticed a collection in the amount of XXXX from Capio Partners XXXX has been placed on my credit report. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Capio Partners XXXX XXXX or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Capio Partners, XXXX is a violation of the Fair Debt Collections Act. I am requesting that Capio Partners, XXXX remove this collection account from each of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: NAVY FEDERAL CREDIT UNION
State: AP
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XX/XX/2019, I applied for a refinance mortgage with Navy Federal Credit Union. I agreed to pay points and was approved for a 2.5 % rate. It took an extremely long time for anyone to call me back regarding the status of the loan. I was told that I was approved for the loan. Last week I received a notice stating " we have exceeded the validity of all documents, including the credit report for this loan application. '' I do work overseas for the XXXX XXXX XXXX. but the house is my primary residence which I return to occasionally through out the year. Even if it where a second home my loan to value ratio is 25 %. After getting this email ... ... .my loan information has been deleted from my internet banking account. Furthermore no one has returned my calls regarding this loan. It appears that Navy federal does not want to honor the 2.5 % rate. Also there are several complaints on the internet about Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, 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:
I am writing because I do not recognize item on my credit report. The account is listed below. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America found out I am refinancing my first and second mortgage with a mortgage company by receiving a payoff statement. They have added an " expedited payoff service fee '' of {$30.00} to each mortgage statement for my XXXX bill. I have not received any documents from the mortgage company or any other closing documents yet! Can Bank of America add this {$30.00} fee, now?

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 2022-02-28
Company: EQUIFAX, 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:
I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Niagara Credit Recovery
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I obtain a XXXX XXXX from XXXX XXXX XXXX, making my monthly payments on time, even got an increase of credit. Well in late XX/XX/XXXX i received notice the current credit card was being transferred to a XXXX card and they will send notice when the new card has been sent out. I continued to make my monthly payment on time, during the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX i called XXXX in concern because i had not received the new card, i was told due to the Holidays the delivery of the card maybe delayed XXXX XX/XX/XXXX XXXX. When i spoke to the individual in XXXX, i could not make any payments as the account showed the balance as zero, i called in again to make the payment and they wanted to charge me a phone fee, so i we went back in front on how i do n't see as a customer who has n't received the new card to set-up the online account to make a payment should pay a phone fee. The individual got rude so i hung up. No communication from this company but today i receive a voice mail from a male stating he was on his way to my home and if i was n't in he would be traveling to my place of employment to serve me papers. He left a number and a case # but no information as to what this was in regards to. I called the number left XXXX XXXX XXXX, the gentlemen who i spoke with stated they were suing me for {$1900.00} on a so called {$580.00} balance ( which the balance should have been around {$350.00} from the last time i made a payment ) stated, XXXX had written off and sold the account to them. I have never received any communication from XXXX or this collections company so how can they immediately sue for something that XXXX was negligent in not providing the new card or account information for me to continue to make payments? Please review and help on this matter.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I reviewed my consumer report # XXXX on XX/XX/2021 and viewed my rights to privacy, invasion to privacy where violated. In addition no consent was given to report these items on my consumer reports. 

15 U.S. Code 1692 15 U.S. Code 1681 15 U.S. Code 1681b The following are the items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 non-monetary relief
Consumer complaint received 2016-07-20
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Apparently a medical bill for my daughter was unpaid. I was not contacted even though I have kept the same phone number after our divorce. I have always requested that my mail be forwarded to my most recent address. I have lived in the same small town for more than 10 years. I am in the phone book. As soon as I learned that there was a " bad Debt '' on my credit report I contacted both the collection agency and the medical provider. I have since paid the medical provider in full. The collection agency ( Hauge and Associates ) still 1 ) Has me listed as owing XXXX on my credit report and 2 ) Is still expecting to collect a fee for something they neglected to even try to bring to any sort of conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received 32 telephone calls from an " unknown '' number leaving this number as a call back XXXX, I attempted to call them back and spoke with a female named XXXX at ext XXXX, who refused to listen and hung up on me. The tactics used by Comenity Capital Bank are unacceptable and harassing, not to mention the threats and abuse of power here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a XXXX  posted for someone else and someone used my information as a co-signer on the XXXX. I was XXXX during the time of this XXXX. It was not me who signed any documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an outstanding student loan with Navient. It is currently past due and I have explained to them although I acknowledge the debt I can not keep current at this time due to lack of income to cover this as well as mortgage and health insurance. I have told them repeatedly I will catch up as soon as I have more income coming in. They continue to call everyday. 5 robocalls so far today alone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2016 I mailed a request to United Recovery Systems who is now Alltran Financial requesting that they prove the outstanding debt to me. I requested the following list of documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide me with copies of the original application ; Provide me with copies of any identification on file ; Provide me with copies of signatures on file ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

What they mailed was a copy of statement and nothing else. I called back on XXXX/XXXX/2016 and spoke to a Manager XXXX XXXX. I explained the situation and he stated that he will follow the requested to his manager. When I asked why have n't they given proof of debt or answer my request he could n't give me a straight answer. We he kept insisting was that if was I was saying that I did n't initiate the debt. But at now time would he give a straight answer. I asked him if they were Licensed and Bonded in the state of FL and he was n't sure if he had to give me that information, I stated that I have the right to know that they can legally collect money in the state of fl. Long story short I have been paying on an account that I do n't even know if its my, I never see that the balance decrease any and when I start to ask questions I do n't get straight answers. This company has failed to honor the Fair Debt Collection Practices Act ( FDCPA ) by ignoring my legal right request.

Company response to consumer: Closed
Consumer complaint received 2018-05-29
Company: EQUIFAX, 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:
I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, Equifax and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I attended XXXX XXXX with the promise that I would be offered hands on training in the XXXX XXXX XXXX, have immediate job placement after or possibly during completion, and that my entire education would be covered by federal grants and loans. I was rushed through the financial aid process without any mention of the cost of enrollment, or the amount of loans being taken out. The promissory note I did sign did not list loan amounts or interest rates. Each time I asked the school, I was unable to obtain the information. It was n't until after transferred to another school, that I was told by another financial aid department how many private loans were taken out for me by XXXX XXXX. All of them were private loans, none of which can be consolidated to lower the interest rate. For a single semester, I was charged approx {$17000.00}. If my status had been correctly assessed, I would have been eligible for federal loans and grants. I could have even possibly used my Father 's XXXX. None of this was explained to me, I had no idea the loans I signed for were not federal. None of the credits I earned were transferable to any other institution- therefore my time and money were wasted. The instruction was not hands on, and the equipment and technology used by the school was outdated at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Filed numerous false statements in response to CFPB complaint number XXXX. They provided no evidence to back up their statements or allegations as was requested in my complaint. 
They made a false statement to the CFPB that I called their office to split my XXXX 2015 payment into 3 payments and then I did not pay the final payment after that and that they were unable to get in touch with me. 
Blitt and Gaines REQUIRED me to provide my bank account information to them so that they could withdraw money from my bank account. 
Blitt and Gaines provided a settlement agreement in writing CONTRARY to what they REQUIRED me to do. 
Blitt and Gaines ILLEGALLY AND WITHOUT AUTHORITY that they CAN NOT CAN NOT prove withdrew unauthorized amounts of money from my bank account. 
Blitt and Gaines added legal fees to my account that they can not substantiate. 
Blitt and Gaines NEVER sent me an original right to dispute letter and NEVER contacted me that I owed any additional unpaid funds. 
I could NOT HAVE OWED UNPAID FUNDS SINCE THEY TOOK OVER MY BANK ACCOUNT. They told me I had to have money in my account at all times and they would withdraw the money. 
They NEVER sent me a receipt. 
They NEVER sent me proof of what I owed. 
They NEVER sent me ANYTHING from XXXX XXXX to show that they had the right to collect, and or that the money I paid ever actually was paid to the XXXX XXXX people. 
I have previously filed a complaint here. I previously have filed a complaint with the state of Illinois Attorneys Review and Disciplinary Commission.. Blitt and Gaines has been unable to substantiate anything they are alleging and should be prosecuted to the fullest extent of the powers of the government including false statements and seizing unauthorized property, putting nothing in writing to seize the property, and providing no receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Clarfield, Okon, Salomone and Pincus, P.L.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX, XXXX XXXX, FL XXXX continue to call and email me even though a XXXX QWR prohibits any contact other than my attorney. The law firm Clarfield, Okon, Salomone & Pincus, P.L. has admitted to have the QWR, but hired the firm above to collect an unsubstantiated debt. I am in process of reporting this violation to the FLORIDA BAR, but this is a DIRECT VIOLATION of my rights and fits a continuing pattern of MALICIOUS and TORTUOUS interference with regards to the fraudulent debt this firm is claiming. Since XXXX the bank, servicers ( XXXX ), and attorneys have blocked my ability to work as a XXXX figure XXXX to the XXXX and financial industry, by reporting this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX 1st Payment Coupon, 8.5x11 inches, which I had received via USPS First Class Mail XXXX XXXX, XXXX, stating first payment due XXXX XXXX, XXXX, which I had photocopied, from XXXX , IL XXXX. I need Bank of America to return that original Payment Coupon to me. 

Sincerely, XXXX, IL 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 2021-01-18
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attempted to initiate contact with this company IQ Data International on XX/XX/2021. I had just settled another debt and finished making payments, so I called this company to set up a payment arrangement. They stated they do not do that, and my only option was to pay within 5 days, or they will cause harm to my credit. I then offered to make 50 % of the debt arrangement on a date in XXXX  that worked with my payment schedule, as well as my other bills, and finish paying the other 50 % in XXXX  on the exact same day. Instead the company stated that I MUST call family to borrow the money, which is not an option, or that I MUST take out a loan with very high interest to pay off this debt ( which I can not afford any additional interest as I am on a fixed income ), or finally, they told me that I need to skip buying groceries to feed my family in order to pay the debt. Mind you, this debt has existed on my credit report for a year, I was calling to come to a resolution and get it settled within the next few months. It was all or nothing and ultimatums given to stop feeding my family, or stop paying for a roof over our heads to accommodate their demands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This collection agency has put a debt on my credit reports. I spoke to them about this and they said they sent a collection notice to an address I have not used in almost 10 years. I have not been able to dispute this debt nor have they sent me any thing to validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am not sure if Nelnet is the federal government or a non- federal student loan. 
Department Of Education/NELNET In XX/XX/XXXX, I took out a parent-plus loan in the amount of {$5000.00} for my son who was attending college. I began paying the loan back in XX/XX/XXXX. I made monthly payment until XX/XX/XXXX and several payments in XXXX. My remaining balance was {$2400.00}. I applied for Total and Permanent XXXX discharge through Nelnet and was approved to be XXXX from the loan. In XXXX I begin receiving letters from them stating that because I did not following the instruction of the 3 year monitoring period the loan was reinstated. When I checked my credit report Nelnet added a loan from XX/XX/XXXX that I did not take out and I have no knowledge of this additional loan. I have never been to college and never applied for any additional student loans. I have wrote them several times asking them to remove this loan. I informed them that I did not take out this loan from XX/XX/XXXX. I also informed them that I had only taken out one loan and it was a parent-plus loan in XX/XX/XXXX, and my balance was {$2400.00}. I informed Nelnet to please correct this because they are sending me statements that I have two separate loans totaling over {$5000.00}. Also they have put this on my credit report. Nelnet has not remove this from my credit report and has not address my problem. Also I have applied for Total and permanent XXXX again because I am on social security because I am XXXX and I have sent them all the documentation but have not heard from them.

Company response to consumer: Closed with explanation