BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: Kriya Capital, LLC
State: TX
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:
XXXX has an erroneous debt they claim I owe, that has been sent to multiple collection agencies including XXXX, Credence Resource Management and other agencies. I 've gone through the dispute process with each one and had them confirm that the debt is n't owed and cancel the collection account. XXXX continues to forward this erroneous debt to different collection agencies, I 'm tired of having my time wasted and the stress of dealing with this year after year, this is ridiculous. The most recent collection agency with collector who have my personal information are outside of the United States where who knows what harm they can do to my identity, the most recent agency is Credence Resource Management, who put me through multiple hours of headaches and hassles to get a dispute done with them to get the damage they 've done to my credit removed, it has n't been resolved yet.

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 2016-12-12
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from CREDIT MANAGEMENT COMPANY # XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After being approved for a loan mod in 2016 and making several trial payments ( which are currently being held by the mortgage co. ), my docs were not signed due to my being unable to verify outstanding loan amounts and charges with back-up documentation provided by the service provider. After finally receiving requested pay-off information and corrections to my credit reporting by the agency, I again completed a new loan modification per instruction by Shellpoint Mtg Servicing. My application was denied ( after previously being approved ) with no formal reason provided or opportunity to address any disqualifying factors. The sale date is fast approaching and as of today, I do not have a written explanation to provide to legal council or tax advisor, which is an unfair practice leaving me at a terrible disadvantage in efforts to resolve the matter and keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: TN
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: NC
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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, 2015I previously completed a complaint against Ocwen Mortgage Company. Complaint # XXXX. However, since the complaint process was completed by your organization Litton continues to send me documents concerning Foreclosures. Ocwen is very deceptive they send you a certain report concerning the complaint ; and on the other hand they forward me different documents that they do not share with you. In fact Ocwen did forward me a document stating that the total outstanding amount of my mortgage is {$750000.00} After your agency initiated the process of investigation I received a statement from Ocwen stating that the total outstanding amount was {$390.00}, XXXX. In contrast the latest statement that I received from Ocwen states that my total outstanding mortgage amount is {$300.00}, XXXX. On Friday, XXXX XXXX, 2015, I received papers from XXXX concerning a foreclosure. All these documents that I receive from Ocwen only serve to confuse and upset me. Specially when you consider the fact that I never requested to do business with them. My mortgage loan was transferred to them from XXXX XXXX. I need some assistance and support in dealings with this very " fraudulent '' organization. I do not want them to foreclose my home. Ocwen needs to feel the full effect of the law and discontinue their deceptive practices. Ocwen was already taken to court by Florida 's Attorney General XXXX XXXX and found culpable and not adhering to lawful practices in the mortgage servicing. Kindly, assist me. I do not want to continue being emotionally harassed by Ocwen. As I said before, Ocwen continues to deceive customers, to use fraudulent mortgage practices and get away with it. 

I would very much appreciate your assistance. 

XXXX, Fl XXXXMobile Number : 305-762-XXXXOcwen Mortgage Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am still being ignored by Shellpoint!
Shellpoint just contacted me and now that they are removing the forced
placed insurance I never needed in the XXXX place they are saying
they instead need a "cushion" in my escrow which allows them to steal
an additional XXXX a month added to my mortgage payment.
This is theft and I expect someone to contact them to resolve this,
it's frustrating and I'm spending alot of my time trying to resolve
this and now its a different scheme to take money from me.
Can you understand how annoying and frustrating this is.

I started with a new modified loan in 2013 with a payment of XXXX which
always included my escrow payment, and I never missed one payment NOW
THEY ARE SAYING MY ESCROW IS SHORT! How can it be short I never missed
a payment! STOP THIS THEFT NOW!!!!
please step in CFPB and stop this abuse i'm sure i'm not the  only one affected. Shellpoing makes it difficult to deal with they always ignore my emails I'm losing hope getting a resolution with Shellpoint because they continue to ignore my concern
There is no way my escrow is that short XXXX short! No! I expect my payment to go back to it's original amount.
Why is my payment going up?
In fact I think my payment should be going down because I think think my property taxes have increased.
Shellpoint owes me a refund check for the over XXXX they have stolen in fake insurance payments that I never needed since my property was insured already which I proved to them.
So I expect a refund and my payment to go back to its original amount of XXXX a month.
It was a struggle to get my loan mod and I have in good faith made every single payment on time and now this! It's frustrating please CFPB step in and protect us from these servicer abuses, I feel violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A loan or loans were pulled in my name with nelnet. it is reported on the three credit bureau, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2016-08-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Despite the fact I inly have one loan payment a month, navient chose to report it when late as not one late payment, but as multiple late payments breaking down my student loans into as many smaller loans as they could report. They literally destroyed my credit history in two months, just in the past month my score dropped XXXX because of their reporting practices. This not only impacts my day to day life, but also my ability to actually repay the loans -- mostly because now I 'm forced to pay higher rent on a XXXX appartment and that means less money a month to put towards anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This issue revolves around servicing transfer of my mortgage loan from XXXX XXXX XXXX ( XXXX ) to Ditech Financial in XXXX 2016, and the misapplication of a loan payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$660.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
back in 2013 hired lawyer to help with my mortgage co. they were claiming me ( home ) as a trustee sale ( as of I paid my mortgage on time and certified usps just to make sure my paymants made it safely. I hired XXXX XXXX XXXX in XXXX XXXX, ca they made me claim bankruptcy and took my case I told them i was XXXX XXXX in my family and budget tight he charged {$5000.00} plus {$850.00} bankruptcy and said it would take 60 to 90 days but was not resolved mortgage co agreed with law firm but I did not because they were carging me with foreclosure fees. so lawyer advised to not pay until resolved and it was not now mortgage co which is now different co. is foreclosing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continue to call everday and always leave a silent voice mail ( no body speaks )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: BorrowersFirst, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
The company called me at this morning which is outside of the allowed time frame, I explained to XXXX that I reside in AZ and it is not MST but we are currently on PST. She stated she was calling to resolve the debt and asked when was the best time to call. I advised her to call within the allowed government time frame to discuss the matter and that I was currently unemployed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call stating it was a collection agency. He left no name, no name of company, just a phone number for me to call. 
By the way, none of the Communication Tactics to choose from apply to me, but I had to choose one to continue. I received the attached letter later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was the victim of ( 4 ) unauthorized XXXX payments made from my Chase Bank account to unknown user. My account was hacked and payments were sent without my approval. The amounts that were sent via XXXX payments. 

Date : XX/XX/2022 XXXX amounts : 1. {$250.00} 2. {$250.00} 3. {$880.00} 4. {$490.00} There were no actions taken by my bank ( Chase Bank ) to assist with fraud claim. They simply dismissed the claim and said I was responsible regardless of claim that account had been hacked and payments were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
XXXX XXXX XXXX is reporting false information to my credit report for XXXX XXXX since XX/XX/2017 for XXXX, XXXX and Transworld system is reporting XXXX for XXXX XXXX XXXX. 

Both companies have failed to remove these items off my credit although I provided proof of identity theft police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXXXXXX : {$2600.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$1700.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$6300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Cardinal Financial Company has reported an account as delinquent for the period in which the account was enrolled in and authorized COVID-19 forbearance. 

They have reported 12 months of late payments, although the account was never late, enrolled in a CARES ACT anpproved program and has been out of forbearance since XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX phone number XXXX Is asking for XXXX $ But they are paid in Full.. But it still on my credit report. Also Common Wealth Financial systems XXXX they are asking for XXXX Dollars. From a Hospital Emergency Problem I had with either XXXX and or XXXX. the hospital knew that I had XXXX through the VA hospital so their dept. is paid. But the doctor is asking for his money. I called the hospital they Have no idea who the doctor was. So at this point I do n't know how to talk to the doctor to explain that he can go through the VA hospital to get his money back. XXXX XXXX Hospital billing does n't even have this in their records. I do n't know what to do. I have insurance and the Govt. should have paid for this. I am frustrated Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Union Adjustment 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:
i was contacted by the debt collectors several times, each time i told them this was not my debt, even though i share the same name, they have the wrong guy. they assured me that if it was not reflecting on my credit, that it was not attached to me and that it wasnt a problem. yesterday my work informed me that they received a court order to start garnishing my wages. the debt collector somehow pushed this through court, without having my social security number or date of birth, and now my work is saying they have to enforce it. I need to prove that this debt is not mine asap. please any help or advise would be greatly appreciated. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on my Transunion report specifically occurring on XX/XX/XXXX, I asked TU to remove but they did not.

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 2021-09-26
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have over the last 4 months been working with my current mortgage company ( see attached ) to refinance my loan to receive lower interest rate and lower my monthly payments due to Covid - 19 pandemic impacts on my needing help so as not to loose my home. I loan was denied and was not fairly explained I have reached out to them on several occasions with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: 2288984 Ontario Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Hi XXXX, We would like to speak with you so that we can finish processing your request for a new Installment Loan through MoneyKey for up to {$5500.00}. If approved, any requested funds may be deposited into your bank account the same business day2.

Company response to consumer: Closed with explanation