BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: Collection Bureau of the Hudson Valley, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ph : ( XXXX ) XXXXDebt : XXXX XXXX - XXXX $ XXXXI had XXXX and paid final bill upon returning equipment on XX/XX/XXXX. I moved to XXXX on XX/XX/XXXX. In XX/XX/XXXX, I found a collection being reported by above collector. In XX/XX/XXXX, I ask for validation and deletion during this validation as I never received a XXXX day notice of collection before submitting it to credit bureaus under FCRA. They apparently sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had been living in XXXX for over a year at this point and my current address as that time and now was on my credit file in XX/XX/XXXX. Collection Bureau of Hudson Valley pulled an XXXX Credit report on XX/XX/XXXX to obtain information such as my address. They failed to send a XXXX day notice of collection activity to me at my current address on file on XXXX XX/XX/XXXX so I could validate the debt and pay it if it was a true debt before it got reported to my credit bureaus. I notified them in writing of validation after finding it on my credit file XX/XX/XXXX asking them to delete the collection action from my credit file and allow me to validate the debt as well as pay it if it was legitimate. They stated they validated the debt but I still never received this validation and they continued to report it to the credit bureaus after acknowledging they sent the XXXX day notice letter to the wrong address. I was never given a chance to validate and/or pay this debt if legitimate without a XXXX day letter, which they did not provide. It is still be reported on my credit bureaus and they refuse to delete until debt can be validated. According to the FCRA, a debt must be reported at last reported payment delinquency since it falls off credit file 7 years from that date, however Collection Bureau is violating my federal rights and the law by not providing me a XXXX day notice of collection activity before reporting it to the credit bureaus and they are violating the law by stating the delinquency is the date they received it in XXXX, not the last reported payment to XXXX in XX/XX/XXXX. I would like to have the item deleted from my credit file and a given a proper XXXX day notice to validate the debt so that I may pay it if the debt is legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: ULRS, 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:
My husband had a tenant he turned over to collections thru United Legal group. The tenant then filed a lawsuit against both of us because they threatened to harm his credit. I sent an email to put this on hold till it could be resolved. They said it could not be placed on hold had it had to be cancelled. I cancelled it and then they sent us a bill for {$52000.00} and my husband called them and they offered to settle for {$10000.00} or " make an offer ''. He told them he had other accounts to send to collections and once this is resolved, he would give it back to them to handle. Until then he thought they might have done maybe {$100.00} worth of work.They then called me and demanded the whole amount and I told them they had done nothing but send a letter and how do they think that entitles them to {$52000.00}? He said to pay it today or it goes up to {$72000.00} on Monday.I would be brought in and held equally responsible because I was the spouse. I told them if they expect to get paid {$52000.00} they need to collect XXXX times that amount to get their commission and he said the debt is owed. This is totally ridiculous. You send XXXX letter and expect to be paid {$52000.00} and then {$72000.00} from the person who hired you in the first place? I work on a commission basis and if the deal does not come together, you do not get paid. How do they think they deserve to be paid this exorbitant amount? Then we got collection letters from their partner company, XXXX XXXX XXXX, which is also threatening to damage our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job shortly after my loan modification. I then paid {$2500.00} on my mortgage but didnt realize I was {$200.00} short of the full payment but wasnt 30 days late. Then the pandemic hit and was out of a job again. So requested forebearance still not realizing that I was behind this {$200.00}. Now I will be out of forebearance in XXXX. I have moved my daughter in with me. I am not collecting retirement so I can resume payments but they want the full amount. I want to deferment or repayment plan. I cant get another loan mod. But deferring payments is not changing the term of the loan nor the end date so why cant I get a deferment? 

Im not going to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : SANTANDER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020 I recieved a letter in mail with a live check inside. Never heard of this scam before but they send a check in the middle of pandemic while people are jobless waiting on stimulus checks in you mail. If you cash it, you automatically agree to terms which is 43.97 % APR, {$450.00} fin. Charge, plus other fees and charges. I cashed it. Desperate, out of work, no money comming in and its the worst thing I could have done. I tell them its unfair because its predatory, sent to anyone without discrimination or a check into if they have enough income or a job to pay it off or a XXXX like XXXX or cant read or write, they don't care. 

All you need is that check, sign the back, go to a bank and cash it. One or two forms of I.D . this can easily be manipulated. My wife or son could have cashed this but I'm just talking in hypothesis I own up to it so I was trying to work with them but as soon as I went 2.7 months back, they sued me. This is republic finance LLC. Of XXXX, LA and my court appearance is tommorrow at CITY COURT OF XXXX state of louisiana ( XXXX ). I blocked their numbers after horrific and intense calls 6 days a week 5-6x day. I partily lost a job of 2 weeks bricklaying because of these calls. When I was served papers saying im being sued, my wife called them and offered to catch up the 3 months and get back in good standing with her credit card for {$400.00} but the lady ( XXXX ) was so rude and insulting basically talking to us like we are children and we have to do what's on the subpoena which says go to court or pay {$1600.00} in full or be sued. 

I sent money orders to their office of {$120.00}, {$30.00}, and {$30.00} just so I don't go to jail but they send me no bill or invoice or payment stub in the mail. They are basically acting like they want the judgement against me. Only gave me 10 days to get to court for an answer when 20-30days is the norm. I've seen a white chevy XXXX parked in the next street taking pictures of my property 2x already. When they see me exit my house they leave. 

The supoena also says that since they are sueinf me they are tacking on an additional 16 % APR, 18 % maturity, court, their lawyer and process fees all on me. A {$1400.00} loan supposed to be {$120.00} a month, I only cashed in {$980.00} and now it looks like if things don't go my way I'll be paying almost {$3400.00} to {$5000.00}. I called them and offer to pay {$30.00} a month because ive been without a job all year because of the pandemic and I just won my UE. They don't exceot the payment so i have to send a money order to their office not knowing if I'm wasting my money. 

I'll see what happens at court tommorrow. They have an attorney but I am loan wolfing it. I studied the laws a bit and wrote down key talking points, they while not bully me or intimidate me. Thanks XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Complaint : XXXX Credit Union and Bank of AmericaHave been trying to modify XXXX and XXXX mortage loans with XXXX financial banks. Have already done modification with XXXX XXXX. Reduced loan which was small down to 4 %. Process was done within 30 days. 
XXXX XXXX Credit Union has been at best rude and really not interested in modification. Repeated had to call person who was in charge. Counterdicted themselves regularly and was told to be XXXX to four months late and will allow a short sale. Repeatly lost documents and made threats that they would not allow modifications if Visa card is not paid. Not interested in reducing interest rate and would rather have home. Verey unprofessional in collection activities on Visa card. 
Bank America mailed a letter to me about the {$95000.00} line of credit that is 100 % underwater. This was a mastercard line of credit with Countrywide. For almost 10 years have paid only interest only. Readjusting with principal in XXXX, XXXX. The readjustment makes no sense that payment should be {$780.00} not the {$980.00} on letter dated XXXX XXXX. After XXXX months of playing games with documents they made decision I could not afford any loan. The Home loan team offer a short sale if you can not afford the loan and gave no options except leaving the home. Kept calling and asking questions about my permanent XXXX and when I was going back to work. I repeatly stated it was not going away and I will never go back to work. I will be XXXX this year and have a XXXX that will just get worse never better. At best she was rude and and made threats to me you better pay this loan and your other creditors. In XXXX I was forced to retire on XXXX and had numerous charge offs. Had recovered on the credit bureuas to almost XXXX while paying all my creditors for 48 months. Started this process in XXXX all my scores dropped into the XXXX 's. There must be models in the credit bureuas that saw XXXX XXXX pay off loan and all the scores dropped over XXXX piints in days. Bank America stated in there XXXX denial I could not afford any loan. Based totally on the credit scores. Gave complete budget forms same as XXXX XXXX yet XXXX and Bank America considers us too high of a credit risk. XXXX XXXX they are now calling my wife and threaten her with a short sale when both the XXXX and XXXX are negative and the XXXX wellover {$100000.00} negative. XXXX and Bank America are both calling my wifes phone at work, withourt permission and calling our cell phone every XXXX homes when there loans are not late. Threats are short sale or we will forclose. Yet neither are 30 days past due

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX XXXX # XXXXAdvance Financial XXXX XXXX XXXX TN XXXXI have been a customer of Advance Financial XXXX for close to a year. I went into the office on XXXX XXXX 2015 to Pay may pay day advance and to rewrite the pay day advance in the amount of {$550.00}. I was told by the customer service representative that the company no longer does pay day advances and that if I needed the money I would have to take out a Flex Loan Plan. I was told that this would be like any other loan that XXXX % would go to interest on the loan and the remainder of my bi-weekly payment of {$67.00} would got toward the principal of the loan and that if I paid more than the {$67.00} it would go toward the principal as well to pay the loan off sooner. I asked if there were any other fees and I was told no. So I electronically signed the contract. I did n't read the fine print because no matter what I had to take this loan out my rent was due and if I did n't pay I would be evicted. If I did n't take this loan out I would have no money to pay my rent or buy gas to get back and forth to work or buy groceries!!! I feel like I was strong armed into taking out this loan because Advance Financial XXXX are predatory lenders who make their money from poor people in dire situations, the elderly and the uneducated. I received my billing statement for XX/XX/2015 to XX/XX/2015 and after paying over the {$67.00} bi-weekly payment for the past 3 months what started out as a {$550.00} loan now has a balance of {$620.00}. I am being charged a Customary Fee of {$50.00} with .7 % interest that I was n't told about and after calling customer service to find out why I was told that this accrues daily on top of the regular interest rate and the APR of 279.5 %!!! This loan is growing not getting paid off, at this rate I will never get this loan paid off!!! This company is not accredited with the XXXX and has had XXXX complaints over the past 3 years most similar to mine. I feel deceived at the least, these companies have to be stopped. I have no problem paying what I borrowed, and according to this billing statement I have paid YTD {$340.00}, {$310.00} to the customary fee and {$29.00} to the interest and NONE to the principal. I will pay the remaining {$200.00} but I will not continue to pay for the customary fee. I will not pay anything until this matter has been resolved. 

I will be sending a copy of this statement to the XXXX Consumer Financial Protection Bureau, Department of Consumer Affairs, Federal Trade Commission, XXXX XXXX XXXX XXXX, U.S. Department of Justice, FDIC and any and all other organizations or departments I need to, to get this matter resolved. 

Thank You, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27
Company: GREAT WESTERN BANCORP, INC.
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I abandoned my mold ( XXXX, XXXX, XXXX as tested by an independent XXXX company ) house in XX/XX/XXXX. The house was sold XX/XX/XXXX. The foreclosure was final XX/XX/XXXX. The mortgage company, XXXX, is reporting that I am over 180 days late from XX/XX/XXXX to XX/XX/XXXX and had a foreclosure in XX/XX/XXXX. I have filed XXXX complaints with XXXX over the last 3 years with the last in XX/XX/XXXX. I have contacted XXXX directly. They have stated their information is correct and continue reaffirming that incorrect info to the credit agencies every time I file a dispute with the credit agencies. I have contacted XXXX directly and they will not provide me any documents showing their dates are correct. According to the court documents I have, their information is inaccurate, not factual and should be removed from 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 2017-02-09
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Trident Asset Management is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX they are listing this account type as " open '' when it should be a collection. 

2. On XXXX, they are reporting an address of XXXX, XXXX, GA XXXX when that address is no where on their website or BBB profile. How can they have different address on each report? XXXX shows the address of XXXX, XXXX, GA XXXX which is on their website. 

3. They never sent me anything such as a bill of sale, or any letters from the XXXX saying they can collect this debt. 

4. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XX/XX/2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: IL
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 sent final request on XX/XX/2016 documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent final request on XX/XX/2016 documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed immediately.

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 2015-12-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX falsely reporting on my credit report on the property are living in and XXXX mortgage has never filed ever with the credit companies. And this is the reason why they have n't reported on this issue because the know the paperwork on this house is improper and are refusing to correct the problem or investigate this issue. So apparently it is legal to file a deed of assignment on a terminated remic years later according to them and the CFPB, HUD, FBI, the mortgage companies etc. And I guess identity fraud is legal to? And have the this info sent to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Simple Cash Loans, Inc.,
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I got my husbands car impounded by police, car had 30 day hold on it. I went to XXXX for XXXX. When I got out in 3 days found out husband was XXXX. Next day my husband passed away. We had a title loan him borrower, me co signer. I called company told them everything. They said they would get car out and I would have to pay fees to get it back. We talked the whole month. They sold car behind my back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After years of having my discover card they closed my account in XX/XX/2021. This was my oldest account and therefore it brought my credit scores down significantly. They stated that they had closed my account because 4 years ago I used XXXX XXXX XXXX to pay off some other creditors i owed when I was unemployed. They were not even included in the relief. 4 years later, out of the blue, they stated that was the reason and referred me to the complaint department if I had an issue with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Prepaid card
Sub-product: General purpose card
Issue: Advertising, marketing or disclosures

Complaint:
They sent me an email with promotion code of their prepaid gift card. When I used the code to make purchase and they declined my order for twice. I verified my information and they are correct. If they do n't want to sell me the gift card, why send me an ad email? I do n't know whether it is because I complained their service before due to their carelessness and unprofessional behavior. If your employee made a mistake to cause an inconvenience and loss of a customer, you should n't blame the customer complaint but should have tried to figure out how to improve your quality of service. I can not find any other company to provide prepaid cash card. If I can I would not choose Amex ever. I do n't know whether it is called monopoly. As there is only one company providing this service, they can do whatever they want to the customers and do n't care what they feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed.

Company response to consumer: Closed with non-monetary relief