BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX XXXX : Acct # xxxxxxxxxxxx To Whom It May Concern : This letter is regarding account # Xxxxxxx which you claim my account was charged off {$1500.00} This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including Experian, Transunion and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX and financed it through Hyundai Motor Finance. All was fine, I never made a late payment which was due on the XXXX of each month. 
In XXXX my husband was out of work ( self employed XXXX ) and I was unable to make my car payment on the XXXX of the month. I called Hyundai and asked them if I could change my payment date and they said " no '' due to me making a previous date change months before. I told them the situation and then told them that I would have to make the payment XXXX weeks late until ... I made XXXX payments on the XXXX of the month and was hit with XXXX each {$20.00} late payment fees. I told them I would n't pay them or they could put those fees at the end of my loan and we would discuss it. They again said " no ''! Now I 'm gettting collection phone calls at least XXXX times a day! Sunday morning at XXXX up until almost XXXX at night. I 've told them repeatedly and I 've emailed them that I was not going to work with them when they could n't work with me! I am now able to make my payments by the XXXX again and have done so, but I 'm still getting these calls. 
Why ca n't a finance company make this change for a customer that has NEVER made a late payment, has a good credit rating etc? They told me it was against the law in the State of Virignia to do that. No it is n't! I get XXXX changes in the lifetime of the contract and I 've only made XXXX! 
I would appreciate any insight that you may have have on this. Thank you very much. 


Motor Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had a student loan with XXXX i called and thought they were forgiven through a program next thing i know NAVIENT ON MY CREADIT INTEREST RATES THROUGH THE ROOF I WROTE TO NAVIENT NO RESPONSE I TRIED GOING ON NAVIENT WEB SITE IT KEEP SAYING MY INFORMATION DONT MATCH THIS IS MESSING UP MY CREDIT I NEVER TOOK OUT AN LOAN WITH THEM! I even contacted all 3 creditors. I 'm stress out about this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
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 had several student loans that were in default. I had been paying on XXXX set of my student loans through Navient. I had a second set of student loans that I went through loan rehabilitation through XXXX. I finished the loan rehabilitation program through XXXX and then my loan was brought by Navient. I was sent an income base repayment information from XXXX to send to Navient. Since I had a set of loans already through Navient I called them and requested assistance with getting both set of loans due at the same time and the payment reduced to an amount to something that I could afford. The representative encouraged me to do the loan consolidation and led me to believe that it would save me money and my payments would be reduced. When my loan was consolidated it was only {$30.00} less that what it was when the loans were n't consolidated. When I log in to my account I still have XXXX sets of loans both due on the same day which is the first of the month. I could have easily requested a due date change and accomplish the same thing. I do n't understand the purpose of me sending in my XX/XX/XXXX Federal tax return along with household information if the payments were n't going to be reduced to an affordable amount that I can afford so that I do n't go back into default. I immediately called back to NAVIENT and the customer service rep was n't friendly and gave me another number so that the income base application could be mailed to me. It is XX/XX/XXXX and my next payment is due XX/XX/XXXX. When I called the XXXX number it was an automated NAVIENT number stating that it would take up to ten days for the application to me be mailed to me. I shy away from systems that require a password because I have memory problems and get extremely frustrated and do n't trust anyone. I am a XXXX veteran. I tried to explain that to the Representative but before I could get it out she told gave me the XXXX number and sent me on my way. The last person from NAVIENT filled the application out for me and I just had to sign it. I was able to google the application and uploaded to my account along with my recent XX/XX/XXXX Federal Tax return. I do n't feel that NAVIENT was looking out for me or my family. They were just out to get the highest payment. Since uploading the income base application, I do n't see where it was received or if someone is working on it. I also sent an email directly through NAVIENT about my concerns and all I received was an automated response stating that someone would get back to me. That e-mail was sent on XX/XX/XXXX and still no response. I ca n't tell you how many call that I got when I was in collections. I 'm trying to be proactive and stay in good standings. I know that the money has to be repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Mariner Finance XXXX is reporting a debt on my credit file. The debt belongs to a family member. They sent a check in the mail to my step daughter in her name for {$710.00} and she cashed it at her bank. She failed to pay the debt and after they failed to get payment from her they attached it to my social security number and changed my name on my credit file to her name. We have disputed the fraudulent debt with XXXX twice and the cfpb once, and they fixed it. Mariner however is still reporting it to XXXX under my social security number. XXXX has investigated it twice and are still saying it 's my debt. I have never been a customer of Mariner Finance and believe they have obtained my social security number, and are fraudulently and with malicious contempt to collect a debt under false pretenses

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 2017-03-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a Mortgage Loan with Wells Fargo and I have a Case number : XXXX Today XX/XX/XXXX I call XXXX XXXX XXXX ext XXXX to discuss the the status the case. 
He hi said that WFHM have not doing any illegal activity. 
I said to him that I have a Letter from WFHM posted XX/XX/XXXX, said that they recevied my Documents and they will have and anwer by XX/XX/XXXX for my Appeal. 
On XX/XX/XXXX WFHM send my Loan to Foreclose. 
I told him that in California under the Bill of Home Owners Right the Bank have to wait 30 days before they can send the case to Foreclose and WFHM did not wait only 17 days. 
He told me that WFHM does not need to wait 30 Days to send the case to Foreclose. 
Right now WFHM is doing a Loan Modification in my case when at the same time they have a Foreclose ACITVE in my file. 
I did explain that Dual Tracking is Illegal in California as well. 
Wells Fargo should respect the law and do not operate above the law. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I took out a FHA mortgage loan FHA case No. XXXX XXXX was servicing the loan.My frustration with trying to get Wells Fargo Bank to honor this Consent Order agreement with your office. I am writing this letter because I have fought and fought to save my home and to keep from being homeless. Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XX/XX/XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note. The state court has ignored my pleas in Illinois XXXX court case XXXX.The multiple assignments, not allowing the provisions in the agreement under the regulation HUD which limits the rights in case of payment default. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less and/or the Banks failed to comply with Title XXXX Part XXXX " Subpart C- Servicing Responsibilities '', including, but not limited to XXXX, XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX and 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 2015-10-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XXXX XXXX 2015 I found out that MEDICAL DATA SYSTEMS was reporting negative information on my Credit Report and on XXXX XXXX I sent a letter toMEDICAL DATA SYSTEMSDBA/ MEDICAL REVENUE SERVICEXXXX XXXX XXXX XXXX , FL XXXXDisputing this information Informing them that this account was being Disputed under USC 1692g Sec. 809 ( b ) they received my first Letter on XXXX XXXX 2015 ( usps.com - Tracking Number : XXXX ) I Received a Response Letter dated XX/XX/2015in this letter they claim they can not locate the account with the information that I provided in my first letter which is the same information they are reporting to the credit bureaus. 
I sent them a second letter on XXXX XXXX 2015 which they received on XXXX XXXX 2015 ( usps.com : Tracking Number : XXXX ) informing them that they were in violation of USC 1692g it has now been more than 30 days which federal law requires for a collection agency to validate an account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To XXXX Today at XXXX NOTIFICATION REGARDING CASE XXXX XXXX SSN : XXXX ROUTING NUMBER : XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : - {$430.00} Defendant XXXX We are hereby informing you that my client XXXX is going to file a legal case against you at District Court XXXX Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged. 

( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit. 

FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 

( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance. 

Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment. 

You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious. 

If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable. 

NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX-XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: AES/PHEAA
State: NV
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:
I spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am a victim of identity theft. I submitted my identity theft packet to TransUnion and they have refused to block fraudulent information from reporting on my credit report. I submitted a police report indicating the fraudulent accounts and proof of my identity. Additionally, I sent a letter requesting that they block the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Instead, TransUnion has chosen to not comply with the FCRA and rather opened disputes. As a victim of identity theft my personal information has been compromised and a dispute would return my name, address, dob and social security number. This is further listed in the police report that I provided to TransUnion. TransUnion has willfully decided not to comply and is in violation of the Fair Credit Reporting Act.

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 2017-03-29
Company: American Credit Acceptance, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a motorcycle and financed it through American credit acceptance. I just recently got my transaction history from them and have made {$1400.00} worth of payments only to find out that 70 % of my payments have gone to interest only. this is NOT what I signed up for a 70 % plus interest loan. this loan needs to be re-done and the amount I have paid in {$1400.00} need to come off the principal balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Transunion apparently gone to some credit model called XXXX. This model is not recognized in the industry and considerably reduces a persons credit score. Mine was reduced by over XXXX points on my FICO score. This causes a denial of credit when it otherwise would be granted. I have no negative records, a perfect payment record, and low credit inquiries yet with their score it puts me in a " POOR '' rating. This should not be allowed as it is not a fair and accurate representation of a persons credit worthiness.

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 2022-04-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 's XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item ofinformation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Credit Plus Inc
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a bill owing to XXXX that i do not know about. I am trying to dispute the issue, and i am not getting anywhere with the company. I was told that they would send me paper work to be filled out, and it 's over XXXX weeks and i have not received it. I would like to do business and i can not do anything because of something that i do n't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Radius Global Solutions LLC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I am receiving frecuent calls from this number. I do not know the person contacting me but i suspect its a debt colection agent in representation of a debt collection agency which bought my debt at a lower price than what i owe. Buying debt specially at a fraction of the cost is an illegal act and its usury. I understand that every 7 yeard debt must be discharged and this has not happened. I cant pay that debt since I do not have a job that pays enough to get rid of the debt. I am under XXXX as well since the economy drove me to be on federal aid since there is no job opportunities nearby and im not willing to go out in exile to the usa to work there. I do not earn enough get out. Please make them stop i dont like the harrasment and i was very clear as i am not taking any calls and i am not going to pay the debt because i am broke.

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