BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: LA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   GRP LL ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX   XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Sierra Holdings LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Around XX/XX/2015, I notified XXXX XXXX XXXX that I was a member of the United States XXXX and I was being XXXX and could no longer pay on this very high interest car loan. On 10 occasions I called or emailed the company to try to figure out a alternative payment arrangement, the company never responded. I also requested relief using The Servicemembers Civil Relief Act ( SCRA ), the company never responded, which is a clear violation of the SCRA. I finally requested for the car to be picked up voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Wednesday XXXX XXXX a payment was made via PayPal from XXXX XXXX from his stored PayPal balance to my account under XXXX. The payment was made in error, was not requested. He tried to cancel the payment and was told via email that I had to reject the payment. I have NOT accepted the funds and according to PayPal online support my only option is to refund the money less an XXXX $ fee they automatically charged. I have tried with three different agents to cancel the transaction as a whole and restore the balance to the senders account. They are trying to force me to accept the funds because it was completed despite showing as pending. The transaction ID is : XXXX. According to the sender its still showing pending on his end. If I wait 30 days the transaction will automatically cancel and return funds to sender less the fee. PayPal will not waived the fee despite it being an errant transaction. I will NOT accept the funds as I believe this will void my ability to fight their policy. I have NOT accepted any terms and conditions to automatically receive funds and they have not provided me proof of it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX XXXXs account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of EducationXXXX account number XXXX and XXXX, XXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX and XXXX, and XXXX XXXXXXXX account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C 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 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 reporting agency 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 2022-10-07
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called on XX/XX/25 to get a refund under the CARES act for a paid in full loan, and was told it would take 7-10 days for the balance to reflect my refund and up to 6 weeks to actually receive the money.

At the 4 week mark I had not seen an updated balance or any refund. So I called to confirm that they had processed my refund and the agent I spoke with said everything was on track and processing fine. 

Today, XXXX, is the 6 week mark and I called to check because I still see no updated balance and have not received funds. I was told that my request wasn't processed on the XXXX but rather the XXXX of XXXX and that it was going to take at least 8 weeks to update the balance and potentially even longer to see the refund. 

I need this refund badly and I am very frustrated with the changing information. I don't have faith that Aidvantage will uphold the new timeline and would at least like to see my balance reflected that my refund will be processed. 

I understand there has been a lot of volume of these types of requests, but having called exactly 6 weeks ago and seeing absolutely no movement after being told 7-10 business days leaves me incredibly dejected in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been current with my car lease payments ( XXXX ) up to this month XX/XX/2020. This month due to the coronavirus pandemic I have suffered a loss of income. This will make it impossible to continue to be up to date on my payments. I contacted Hyundai Motor Finance on XX/XX/2020 before my XXXX payment was due ( XX/XX/2020 ). I asked the representative for a forbearance plan in accordance of what they advertised they were doing for their customers. In giving my information, I was asked if I suffered a partial or total loss of income to which I stated a partial loss. I was immediately told I didn't qualify that they were only approving total losses. I feel they are using discriminatory tactics to avoid helping customers. I don't believe that any where in Federal government guidelines ( about forbearance during the coronavirus crisis ) does it state that customer 's loss of income should be based on total or partial loss. Additionally I believe that Hyundai does not mention it in their advertisement. I have also filed a complaint with Hyundai vial email today. Since they have not allowed me to set up any type of forbearance plan and today ( XX/XX/2020 ) is past my payment due date my credit report will show I am delinquent on my loan payment. Hyundai has placed a financial burden on me and negatively affected my credit rating..

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 2019-12-12
Company: EQUIFAX, INC.
State: CA
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 have been trying to pay XXXX  and they are unresponsive to emails. They have reported to XXXX, Equifax, XXXX  that my account is charged off. They have also reported the account multiple times on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company  is reporting on all   XXXX  cr edit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not. I have  (   XXXX   ) late pays on    XXXX    XXXX   XXXX  loans that they state can not remove even though I was in school.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail I 've sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not have enough confidence in LEXISNEXIS to fulfill my request for my file disclosure. Too many other consumers are having problems with them not listening to the consumers ' needs. So I am utilizing the CFPB in order for me to insure the accuracy of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent this company a paid to delete letter, I spoke with rep in which I recorded his voice conversation and he stated they also recorded my conversation in his conversation he stated I can take advantage of a settlement offer of XXXX the original amount was XXXX. I sent the attach letter in which they agreed to. and it will be deleted his exact words AFNI WILL REQUEST FILE TO BE REMOVED ONCE PAID I have followed all instructions now my credit report per XXXX  is stating settled paid less than half amount I will file a lawsuit against this company for false representation of company policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to thank the Consumer Financial Protection Bureau for allowing the opportunity to post my Complaint. I have been an Ocwen customer since XXXX XXXX XXXX. I received a Mortgage amount increase of {$15.00}. I am sending this complaint today XXXX XXXX XXXX and have not received a explanation of this increase. The payment of {$1200.00} has remained the same since XXXX of XXXX, fluctuating a few dollars more or less since then. I am sending you the Mortgage Account XXXX for XXXX XXXX. Ocwen includes a note on the bottom referencing the increase with no detailed reason for new Mortgage Amount of {$1200.00}. Mortgage Account Number is XXXX. Ocwen has admitted in the last year or XXXX that their Mortgage Processing and Accounting System may be questionable at times. Thank you once again for your Professionalism and high regard for Ethics in a sometimes confused and disoriented Economic Culture.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I do not recognize these inquiries. I have tried to dispute them and credit bureaus won't remove them. I have inaccuracy reporting and tried telling them. I contacted the companies and they do not have any accounts in my name to remove inquiries. 

TransUnion : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/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 2016-02-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Ocwen Loan Servicing transferring my mortgage to XXXX, XXXX. I called Ocwen and they told me payment through their website would still work so I made XXXX 2016 payment through their website. I checked my bank and did not see a payment. I went to Ocwen website and did not see the payment. I called Ocwen and they were eager to refer me to the new servicer at XXXX. The Ocwen customer service agent either lied or was ignorant about being able to pay through their website. Then when I called to inquire, the Ocwen customer service agent hung up on me when she was unwilling to help. Very unsettling knowing people like this is handling my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Paypal Holdings, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call repeatedly. Sometimes 2 or 3 times a day. When I answer they hang up. If I do n't answer, it goes to voicemail and they do not leave a message. If I call them, it hangs up. 

After about a month I decided to call until I got someone on the phone. After several calls, I got an automated message telling me someone would be right with me. When it finally connected to someone, they hung up. After repeated attempts, I got a person on the phone. I repeatedly asked that they identify the company and they refused. Only after I identified myself and threatened to report them to our Attorney General did they identify themselves by name only. When I asked the purpose of the call, their only response was to ask information about my paypal account. When I refused, they hung up. 

I researched the company online. They are a debt collection company. As such, I feel their actions are a clear violation of the Fair Debt Collection Act. Specifically, subsection 806 Harassment or Abuse. They repeatedly called, only to hang up when someone answered, which can only be considered an intent to harass. Also, they placed calls without meaningful disclosure of the their identity, and when requested to identify themselves, they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-04-10
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a mortgage account with Nationstar/Mr. Cooper. Nearly 7 years ago, I filed for bankruptcy and apparently my lawyer apparently did not send my reaffirmation papers. At the time, my mortgage was with XXXX XXXX. That bank was bought by XXXX XXXX XXXX, which was then bought by XXXX. XXXX then sold my loan to Nationstar/Mr. Cooper. 

Both XXXX and XXXX XXXX were reporting my payments to the credit bureau. XXXX was not, nor was Mr. Cooper. I called and requested they report my payment activity to the bureaus and they refused without my submitting my request in writing. They wouldn't accept my verbal request. I am simply asking that Nationstar/Mr. Cooper report my payments to the bureaus. There is no rule stating that they can not report my payments. They are choosing to not report them, which is having a negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was alerted by one of my credit card company that someone tried to use my card at a local gas station. I followed through with this credit company. I also received a call that someone tried to open a credit card in my name, the phone number my husband was given was to a DES office ( Department of Economic Services ), the area code was XXXX, not a XXXX number for a return call. I than received a call from a bank that a credit card and charge was made to a new account. I than did a credit report and found different spelling of my name, different address, and phone number.

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 2022-05-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Almost everyday from XX/XX/2022 Credit Acceptance has called 4 or more times a day. It doesn't matter if I communicate with them at all. The calls will keep coming until XXXX my time. I have no problem if a debt collector makes one or two calls. That would be reasonable. I have told them that the frequency they call at this point feels like harassment as it doesn't matter if I talk to them in the morning and they know I can't pay then. They will just keep calling. When confronting them about it they will just tell you to write a letter and hang up. XX/XX/2022 as an example between XXXX they called 4 times. If you think blocking the number could give you some temp relief, you would be wrong as they have several other numbers to call from. I work 12 hour days from XXXX. The lien I have for the car is past due as they made aware every single day except Sunday. I have made payments and still making payments to catch myself up. It's not like I'm 90 days past due or haven't been submitting any type of payments at all.

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 2016-02-12
Company: First Credit Services Inc.
State: NY
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:
I joined XXXX fitness in XXXX/XXXX/XXXX at the XXXX location in New York. I was in the process of moving XXXX when I join the jim, The apartment was completed until XXXX of XXXX. I went back to the jim In the month of XXXX XXXX and paid my fees in person. The next time I went to the jim was in XXXX of XXXX to pay my membership Fees and was told that my account was closed. I was told that in order for me to maintain my membership I had to payoff my old account and then reopen a new account. I did what was requested, I further requested to pay for the entire year. 
During XXXX I ran my credit and discoverd that XXXX fitness through FIRST CREDIT SERVICES. I contacted this company and I was told that I have to paid my pasdue account which is a total {$240.00}. I told the credit company that it is imposible to have XXXX active accounts. I emailed my proof to show that my account was current. XXXX FITNESS CLAIMED THAT I HAVE TO PAY THIS ACCOUNT IN FULL ALTHOUGH I HAVE PAID MY ACCOUNT FOR AN ENTIRE YEAR. THIS IS MY ARGYEMENT 1 : I PAID FOR MY JIM MEMBERSHIP FOR 1 YEAR. 
2 : XXXX FITNESS CONTINUES TO BILL ME FOR THAT ACCOUNT THAT WAS CLOSED. 
XXXX : I XXXX XXXX HAVE XXXX SIGNED CONTRACTS. XXXX IS ACTIVE AND XXXX IS IN COLECTIONS AT THE SAME TIME MY MEMBERSHIP IS PAID IN FULL. 
4 : I MADE SEVERAL ATTEMPTS TO HAVE XXXX FITNESS PREPARE A LETTER FOR ME EXPLAINING THAT THIS WAS A PROBLEM WITH XXXX FITNESS NOT ME As of today First Credit Services is reporting a collection account on my credit. I have never authorized XXXX Fitness to access my Credit Profile. I think this act is illegal and I am requesting a FULL investigation onto this matter. 
I was told by XXXX that this will stay on my credit record for the next 7 years.. I should not be suffering due to XXXX fitness employee mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation