BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: LEXISNEXIS
State: TN
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:
XXXX needs remove the XXXX & Bankruptcy of XXXX Tn from my credit report with also updating my credit report file and score to reflect so unless they would rather this to turn into a legal matter in court resulting in a up to XXXX fine XXXX needs remove the XXXX & Bankruptcy of XXXX Tn from my credit report with also updating my credit report file and score to reflect so unless they would rather this to turn into a legal matter in court resulting in a up to XXXX fine XXXX needs remove the XXXX & Bankruptcy of XXXXXXXX XXXX from my credit report with also updating my credit report file and score to reflect so unless they would rather this to turn into a legal matter in court resulting in a up to XXXX fine On XX/XX/XXXX, originally, I sent XXXX a letter with the intent to file a complaint with the FTC, due to blatant and objectionable disregard of the law ( s ). 
about them incorrectly reporting a XXXX  XXXX Bankruptcy and provide proof of validation or remove it immediately from my credit report. A certified mail receipt was sent back to me stating that it received and stamped XXXX, which i have a copy and proof. 
In the meantime I contacted the court directly to dispute this issue, i sent a letter dated XX/XX/XXXX from United States Bankruptcy XXXX XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX responses back in a letter which i have proof of that they determined that data had been previously verified. after the court has they have wrote a letter stating that did not /do not. -VIOLATION It is a year later they still reporting it on my profile .XXXX  - Sent a statement XX/XX/XXXX stating that the item i am disputing is not currently reporting after they received a coy of the letter from the court but they are now reporting it, lowering my score. -Violation XXXX was sent a intent to file a FTC complainXXXX XX/XX/XXXX due them disregarding the proof of validation. They are still reporting this Entity that should not be reporting because according to court they have not verified it .Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Caine & Weiner ( C & W ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with the City of XXXX XXXX XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the City of XXXX XXXX XXXX XXXX XXXX is considerable. C & W is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California XXXX of Civil Procedure sec XXXX. C & XXXX is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, Cal. Court of Appeal XXXX District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate C & W 's debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collector has called another family member and constantly keeps calling my cell after I said stop.

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 2016-06-03
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Allied Interstate called my number but did n't leave a message. I looked them up on the Internet and found out who they are. I have just completed a line of credit and a new car loan and my credit scores are excellent. No one has submitted my name for collection. I put them on block on my phone because they were calling four times a day. It will ring once and then hang up on them. They have been calling for weeksXXXX four calls a day. This is harassment as I am on the Do Not Call Registry. Their claim to others who have been similarly harassed is that the person they are looking for must call them and ask to have the person being harassed 's name be removed from their calling list.

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 2016-05-26
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is against Ocwen Loan Servicing , LLC ( www.ocwen.com ) ; Research Dept. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Loan # XXXX Ocwen has erroneously billed me for triple the amount of my regular payment. They are threatening to report judgement against me to credit bureau 's if I do not pay it by a specific date. 
I have consistently paid my amount due on time plus an additional amount to apply to the principal. Ocwen never informed me of a change in payment due or change in terms of the loan. Ocwen applied my payment to a " suspense account '' and showed that it was a partial payment. This is wrong. 
Some bills did not show any detail of my payments. Other bills have shown inconsistent payments due each month. No one from Ocwen will explain their inconsistencies. Each call results in speaking with a different representative with a foreign accent who gives first name only and a number. They suggest that I write or call the research department. I have done that many times. No one has made the corrections yet. 
I have read several complaints about Ocwen, Indymac, and XXXX XXXX. Properties have been foreclosed on due to their erroneous billings. 
I am requesting that my account detail be corrected. I would like my payments to be consistent ( retroactively ) with the amount due that was agreed upon. I want my payments applied correctly. I want a written statement to confirm that the corrections have been done. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I mistakenly selected a private student loan from Navient while trying to apply for a Federal student loan because Navient mingled the private loan with Federal student loans. I made payments for years, and suddenly Navient increased my monthly payment amount to more than double. They actually had lied to me that they would decrease my interest and payment in the near future and that they would apply all the money I paid to defer the loan, in the past, to my principal. 
Unable to make the increased payment, I called Navient to negotiate. I have a recording of the call. A Navient agent categorically refused to negotiate and demanded instead that I pay the entire balance of the loan, even though I had not defaulted. When I told her that I do n't have the money, she asked me to transfer the entire balance of the loan to my credit card. She claimed, erroneously, that I have a credit card that I can use to transfer the balance and suggested that I do that because there is no other solution for me. The agent then threatened that Navient will destroy my credit rating as well as that of my wife, who co-signed for the loan. When I suggested that bankruptcy could be an option for me, she laughed and told me that Navient will not go to bankruptcy court with me. She further threatened that Navient will harass both my wife and me with phone calls until we pay the entire balance of the loan. 
Because I have a XXXX, I was very concerned about the potential XXXX that such telephone harassment could cause to my health. I therefore pleaded with her not to harass us with phone calls, and even threatened to file a lawsuit if they go ahead with the threat. I immediately requested, in writing, that Navient should only contact us by email and postal mail as they had done previously. Navient, however, proceeded with its threat and started calling us, as many as ten calls some days. I requested multiple times, in writing, that they should stop calling, but they refused to stop. I even sent my XXXX XXXX, showing that I have a XXXX, and informed them that I have had to seek XXXX for XXXX stemming from their harassment. Navient still refused to stop calling. I was under such stress that a part of my body started to swell, which will later turnout to be XXXX. I am convinced that my XXXX is likely caused by the XXXX that Navient caused. 
Navient only stopped calling when I found an attorney who called them and told them that he will file a TCPA suit. 
I have the recording of my phone conversation with Navient and I would like to submit it as evidence in your lawsuit against Navient. I would also like to appear as a witness if you can find me useful. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Northwest Trustee Services, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It is too long of a story. Suffice to say that XXXX bank took 7 months processing our modification request for an non-owner mortgage modification then denied us in XXXX XXXX because the house was not owner-occupied though we applied under the rules for a non-owner occupied. 

We reapplied using XXXX XXXX ... cost of {$2500.00} after spending {$400.00} from a lawyer whor recommended their free service..from XXXX Washington in XXXX XXXX, who submitted a XXXX plus page modification package XXXX/XXXX/XXXX. But XXXX did not tell Northwest Trustee Services to postpone the sale that was scheduled in XXXX for Friday, XXXX XXXX. Nor did XXXX inform NWTS that they had received a modification package. XXXX then received update document XXXX/XXXX/XXXX. Yet instead of informing NWTS to postpone the sale, they transferred the loan to XXXX in late XXXX. XXXX nor XXXX sent us a letter 30 days in advance of this transfer as required. Now XXXX will not inform NWTS of the modification papers. And NWTS knows of the modification papers because they have responded to parkview services acknowledging the prior XXXX file XXXX and now the new file under XXXX XXXX. But they have not postpone the sale date, as required by law. 

Unless something occurs according to what NWTS and XXXX must do according to law, I will need to to file under bankruptcy protection laws to protect my asset. {$2000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XXXX 2014, I made an online inquiry with XXXX XXXX about whether it would be possible to qualify for a mortgage based on assets and equity and pointed out we would not have adequate income to qualify for a mortgage. XXXX XXXX encouraged us to fill out their information form and led us to believe that it could be possible. They pulled a credit report on us and then informed us we would not qualify for a mortgage because we did not have enough income. I challenged the credit pull they did under false pretenses ( having stated from the beginning that we did not have adequate income and we were seeking an asset based loan ) and they responded that a credit pull would only cost us a few credit points and that all credit report pulls we experience within a 30 day period will not be counted as individual credit pulls. They were incorrect on both accounts. Our credit score dropped XXXX points in that period and there were no other changes to our report. Multiple credit score pulls showed on our account despite having clearly stated before each inquiry that they were not authorized to pull a credit report unless they would be able to lend based on assets, not income. In each case, they pulled a report then apologized when they turned us down for not having enough income. They used deceptive practices and operate with incorrect information about the impact of their actions on someone 's credit score. This probably is something that should be addressed in a class action lawsuit. It happened to us several times in that window by lenders who apologized after the fact. It is clearly a practice they do frequently given how many times they did it to us-pulling a report after being told conditions of authorization then apologizing afterwards when they have learned what prospective client told them in the first place. 

First and foremost, I did NOT authorize them to pull a credit report for an income based loan application. Yes, they did do a credit pull but no, it WAS NOT AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Credit Plus Inc
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I was notified by a mortgage broker there was a negative credit report from XXXX XXXX XXXX on my credit report. It stated there was an amount due for a charged off account, reported XXXX/XXXX/XXXX. 
I called XXXX, and was directed to a division that handled revolving credit accounts at XXXX. This department was unable to locate the account or me by my social security number. I then called XXXX and they have no record of any past due account. However, they had changed banks from XXXX XXXX to XXXX XXXX. 
I then sent a certified letter on XXXX/XXXX/XXXX to XXXX with account number, my name, social security number, address, phone number and email address. I requested to have someone contact me so I could verify this was my debt, and make payment arrangement. The letter was signed in acceptance at XXXX XXXX on XXXX/XXXX/XXXX. 
I have heard nothing in writing or via email from XXXX XXXX. 
When I called them, they could not find the account or me by social security number. 
I am requesting that XXXX contact me in 30 days to verify the validity of this account, and make available to me a way to pay for account. 
If they are unable to verify this account, I am requesting it is removed from all XXXX credit reporting agencies, and I am provided with a written notice of such. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I purchased a home in XXXX Colorado in XXXX of XXXX that I had financed through GMAC Mortgage. As a result of a divorce, I was forced to file bankruptcy XXXX XXXX, XXXX, and the bankruptcy was discharged on XXXX XXXX, XXXX, and was closed as a no asset matter. 
GMAC filed a motion for relief from stay in the bankruptcy, and obtain permission on XXXX/XXXX/XXXX to foreclose on the house. Rather than foreclose on the house, GMAC sold the loan to Ocwen Home Loans. Ocwen Home Loans has sat on the house for the past five years, and has not foreclosed or taken possession of the property. 
Because GMAC sold the loan instead of foreclosing, and the fact that Ocwen Home Loans has sat on the house for the past five years, I can not be approved for a loan to buy a home for my family to live in. I was discharged from the mortgage over five years ago, but because of something out of my control, I can not be approved for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by ALLIED INTERSTATE, XXXX XXXX XXXX, XXXX MN XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Honda Financial Services XXXX misapplied car loan payment to a closed lease account. This caused all subsequent payments to be considered late and fined for delinquency. I continued paying more than minimum payment to catch up to what Honda was considering late. However, the late payment fees continued and another misapplication of payment in XXXX led to threat of car repossession. Loss of income resulted from having to research and dispute matter with Honda. Additionally, credit score affected by 7+ months of Honda marking payments as late. Physical proof of all mentioned here is available for review. 

Honda has made it additionally difficult to rectify this matter as they are only open XXXX - XXXX and will not allow clients to speak with supervisors when calling Customer Support. Clients are instructed that supervisors will return calls at a time that is " convenient for them. '' As these calls never took place at a time when I was available to speak with the company ( I was XXXX ), the company made it impossible to speak directly with a supervisory rep to rectify this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12
Company: Roycroft Management
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Steadily calls me at my job providing Claim XXXX even though I give many verbal cease and desist requests But, they still make me nervous because yet again they leave me more messages. 

Very aggressive individuals these people have never sent me any written communication. 

These people called saying they were central mediation. 
Their number is XXXX. 

They are advising that I call a specific number to get more detail otherwise someone will be coming to home to serve me with papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: STATE FARM BANK, FSB
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
Hi i am XXXX XXXX, i applied for a credit card at state Farm and the card was send to me and ship back to state farm cause i have moved, so since then i have been calling state farm and send the faxes and even mailed them documentations for proof of addres but the still have not correct the address and send me the card, but they already charged me XXXX $ for mantanace fee and report it to the credit bureau afecting my credit negatively, i already pay the amout but it still refleck on XXXX like credit card utilization, i dont know what else to do and i need help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08
Company: STATE FARM BANK, FSB
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
MY XXXX MTG COMPANY HAS BEEN RENEWING MY MORGAGE OVER AND OVER AGAIN, THE LAST TIME ON A ONE YEAR BASIS AND ASKS FOR EXCESSIVE CLOSING COSTS OVER AND OVER AGAIN. THEY CONTINUE TO REQUEST NEW APPRAISALS ON A LOAN THAT IS OVER TENS YEARS OLD. 
I THINK I 'M BEING TAKEN ADVANTAGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I closed my Equifax account XXXX/XXXX/XXXX after paying on XXXX/XXXX/XXXX for a remaining 28 days of service. Account was to be inactive on XXXX/XXXX/XXXX as a result of that final payment. 
Equifax charged my account again on XXXX/XXXX/XXXX for {$19.00} without my permission. Upon calling they say they will conduct an investigation. 
I am disputing the charge with my bank and felt compelled to close my bank account to avoid further charges from this company where I have lost all trust. I do believe this is a designed fraud practice. No doubt, you have heard this complaint before from Equifax.

Company response to consumer: Closed with explanation