BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: National Credit Systems,Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I lived in some apartments called the  XXXX  for  six  years always paid my rent on time. I am  XXXX  I have   XXXX   XXXX   called   XXXX   XXXX  . When I first moved in the apartment the lady who was first there help me fill out my paperwork. I started school 3 years after my moving in. In   XX/XX/XXXX  I did  go to school full load for Sprin g  XX/XX/XXXX  , I was on some type of Hud program my whole stay. The lady who used to help me do paperwork was no longer there so I did not know neither was it explained to me that I could or was not suppose to. A year later in   XX/XX/XXXX  the y told I was not then I got an eviction notice. Not only that but during the time in   XX/XX/XXXX  I we nt without air in  98 degre es for a week because of electrical problem they kept saying was just air unit but I knew because the lights fried. I told my Mom and she told me to call corporate in Tx. I also had a real bad  roach infestation t hat my Mom had to pay personally because of old neighbors moving out. I always paid my portion and only went full time  XXXX  semester because of stress. I am now stressed trying to make ends meat because the report is on credit and it is a heavy burden on me. I am stressed trying to work a little just to pay bills rent and eat. I think this report is conflict of interest and causing undue hardship on 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 2017-05-09
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
My issue is with FedLoan Servicing.     I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearance 's, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past years, I have experienced job loss, financial hardship, and transitioning into  XXXX   XXXX   XXXX  including deployments to  XXXX   XXXX  and  XXXX . I have taken steps to ensure my financial responsibility moving forward. After finding out that my student loans were in collections a few years ago while I was in  XXXX , I quickly paid to get them out, but my credit report still shows the closed student loans with late payment statuses. These loans were transferred to  XXXX  afterwards but the old loans from FedLoan Servicing are still showing on my credit report. I reached out to them through disputing through the credit bureau 's and have also sent them a letter directly and received nothing back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Square Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX $ XXXX XX/XX/XXXX {$41.00} was took from my cash app account after I lost my phone my card was in my case

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Financial Credit Network Inc
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Financial credit network keeps adding a debt from a program that my insurance paid for in full. I quit the program the day my insurance cocerage ended. Ive disputed it before and they removed and readded it with a new current date. Now they also have started calling me and giving me attitude! I live in hawaii so their XXXX phone calls are getting on my lst nerve! Ive told them to stop calling me about a debt i dont owe. XXXX XXXX XXXX XXXX should be ashamed of themselves and what their program is really all about

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The abbreviati  on Chfa is referencing Colorado Housing and Finance Authority.
I originally called CHFA o  n the  XXXX  of  XXXX  to try for th e 4th  time to get loan modified. This time was first time I was ever delinquent on the loan though as in making a payment on certain date. In my payment schedule I am ahead of where I should be until  XXXX  of  XXXX . My complaints against  Chfa  a re : 1. Chfa  has violated the requirements for a Single Point Of Contact  in Section 38-38103.1 2. Chfa  has only notified me they received my loss mitigation packets once ; when they said I was missing papers, after their phone call I did provide the missing pages for the first packet and sent them via email that same day. I sent the second packet ; with up dated information on  XXXX   XXXX , because I received a phone call from Chfa on  XXXX   XXXX , telling me if I want to keep my house I had to do this again.    3. Chfa h ave never given me any type of decision on the packets I have sent in ; not even the first packet I sent in which was on  XXXX   XXXX , in two emails, or even after I sent the missing papers they claimed.    4. When I initially called Chfa  on  XXXX   XXXX  the representative told me to pay what I could as soon as I could. I sent  XXXX  cashiers checks,  XXXX  on  XXXX   XXXX  for {$700.00} and  XXXX  on  XXXX   XXXX  for {$800.00} and they returned the second check stating that I had not sent them the mitigation packet, with an entirely new set of documents so they would be proceeding with foreclosure.     *Previous to this year I have tried to modify my mortgage at least 3 times since  XXXX .   Chfa 's representitives have stated that my loan is unconventional, I could apply for a modification but they did not have to allow it. On my loan paperwork, it states my loan is a Conventional Loan, and insured by   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
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:
The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  )  to report the same account for {$1.00} more than what was reported before.

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 2016-03-09
Company: Harley Davidson Financial Services Inc
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX 2016 I contacted Harley Davidson regarding a trade line that has been listed on my account. I do a show here that they deleted the Tradeline, however, they did not delete the inquiries. I have never owned a Harley, nor have I ever applied for one. Please listen to the attached recorded call as Harley Davidson can NOT find me in their system, yet they continue to report negative information on my credit report. Please also find attached letter that I have sent to try and resolve. 

At this point I feel that the damage has been done and Harley has violated FCRA and FDCPA, which to my understanding entitle me to around {$1000.00} per violation + attorney fees. I do not wish to litigate, but am prepared to do so if this issue does not get resolved expediently. I am requesting that Harley Davidson not contact me by phone and only do so by USPS Certified mail or via the CFPB Portal. 

Looking forward to a hopefully uneventful resolution. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Close to 9 years ago when I was on the income base repayment plan with  XXXX   XXXX   (  now Navient ), they talked be out of my best option and put me on forbearance. I was a civil service employee, had I stayed on the income-based repayment plan I would have been nearly done paying my debt. Now I have a massive debt that I have not even made a dent into. When i spoke to them about this years later, they just apologized and agreed that income based was my best option. I have also tried mailing forms that they have asked for to enroll in the plan, and they claim to not have received the forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
inaccuracies on my report that need to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently bought my first home financed by a mortgage with Wells Fargo. The terms included an item called Escrow payments. Initially there were two options, and I selected an option of {$270.00} a month on XX/XX/2021. 
However, on closing day XX/XX/2021, I received a call from the bank / agent, saying that the escrow payment on the loan would be {$1300.00} a month. I asked him to explain the number / calculation. He said the high number was actually incorrect, but he wanted me to sign the documents first and wait for a later adjustment. I signed the closing documents on that day. 
However, I have never received any adjustments, and therefore I have to pay a much greater amount of {$1300.00} per month for the escrow payments. 
I have tried to contact the mortgage agent a few times but did not receive any response. I have also contacted Wells Fargo over the phone and I was told the they would need to have some government document / assessment update in order to change the escrow amount. However, they did not tell me why how the number was computed and why was it changed from {$270.00} to {$1300.00} in the first place.

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 2017-05-09
Company: Nelnet, 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: Problem with personal statement of dispute

Complaint:
I was marked 90 days late 4 times by  Nelnet  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score  has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My heart just stopped beating all together. I called NelNet the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  NelNet  ) nor the credit bureaus. I wrote  a 2 p age letter and attached supporting docs ( proof ) and even my lawyer got involved. No one  XXXX   XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial did not notify me of any change in my required mortgage payment, as required by my mortgage agreement. I sent timely payments in for XXXX & XXXX 2016 & these checks were cashed by Ditech. There was an adjustment in my adjustable mortgage ( {$16.00} increase per month ) which Ditech failed to notify me of at any time. Ditech reported these XXXX payments as " 30 days past due '', thereby ruining my XXXX score, and failed to correct their error when I requested that they do so. ( Ditech at no time ever sent me any coupon books or monthly mortgage statements, or invoices, despite my request for these ). 
Ditech also refused to refund an over payment I made to them relative to a payment which they deposited some time after my mortgage was paid off in full in XXXX 2016, and to return these funds which legally belong to 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 2015-04-23
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we could not make our lasts month payment because of high utility bills. we asked acc. rep. to defer our payment til the end of our loan. he said no problem since we had never done this in the past. when we contact him he says he is waiting for approval. it 's been a couple weeks we think he might waite til so much time has gone by and try and forclose. we have been denied a loan modification. our interest is 10 %. we are on social security greentree says our income is enough. when we pay our bills we have a little over XXXX left and that is without buying food or gas for our car when we applied for a loan modification they said we would have to pay XXXX a month for 4 months we can barely pay XXXX can you help us. we don, t have any loan papers from greemtree, only a letter we got years ago saying saying they had acquired our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech took over my Greentree account. I am no longer able to access my online account, where I should be able to view and print my mortgage interest statement. I have requested that Ditech either restore my online account access or provide me a hard copy of my statement. They have failed to comply and have not responded to my communication. I can not file my 2015 income taxes without this form.

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 2016-02-26
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
RELATED TO CASE XXXX XXXX BANK ATTORNEY McCALLA RAYMER WAS REQUEST INFORMATION ON HOUSE FRAUDANTLY SOLD AT AUCTION. REQUEST INFORMATION ON SALE. SUCH AS AMOUNT, TO WHOM, VALIDATION OF PURCHASE, AND TITLE INFORMATION. THIS LED TO ASSISTENCE OF DISTRICT CONGRESSMAN, WHOM HAS BEEN MONITORING THIS ACTION OF ROBO SIGNING ON DEED AND MERS AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, 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:
The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  ) to re port the same account for {$1.00} more than what was reported before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being harassed by Flagship Credit Acceptance. They call me non-stop even after I tell them I am not the person they are calling for. Every time they call they ask for a XXXX. This is not me and I have told them this several times and asked them to stop calling. They will not stop calling. 

I believe their operations are a scam. If you call the number the leave you can never talk to a live person. All they want on the phone system is to trick you into entering your SSN. The automated phone system ask two questions - your account number or SSN. I do n't have an account number b/c I have never done business with these people and I am not the person they keep asking for on their calls. No matter what options you pick you can not speak to a 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 2015-10-09
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
First Point Collections Resources, Inc contacted me in XXXX 2015 regarding a debt I fully dispute. I notified them in writing on XXXX XXXX, 2015 that I disputed the debt, that I would never under any circumstances pay the debt, and to never contact me again. Since that debt First Point has made repeated telephone calls to my home regarding this debt, including one tonight ( XX/XX/XXXX ) at XXXX. These constant phone calls are harassment, and I want them to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I need help please me and my kids have been struggling cause i made a mistake on going to college XXXX in XXXX colorado i went for 3 weeks and was charged over XXXX and still have a judgemet of XXXX which they wont help me also still have to pay Navient already XXXX which is sal may how ever you spell it which i payed them another XXXX i cant do this any more i get calles from XXXXthrough XXXX from different people from Navient they say didnt get my XXXX last year income tax and that i haveny been paying them and i still owe XXXX and these loans i did n't know about until two years ago. College XXXX my kids life and mine. We been homeless because they took my income taxes i lost half of our things, i have been sick in amdnout of the hostipal because the XXXX my electricity has been turn off i ca n't feed my kids we have to reley on government assistant. Me and my husband works but it never enough for raising XXXX kids.. I need help please 9 years of harassment and struggling i cant do it anymore please help me amd my family please please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Innovis
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
CBC InnovisRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Meade & Associates, Inc.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered thatMeade & Associates, XXXX furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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