BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I gave proper notice in 2015 to notify my apartment complex of my moving out. I found out years later when I tried to rent another apartment that XXXX XXXX XXXX put me in collections for XXXX! Even though I gave them written notice 60 days in advance. So now im a single mom, trying to get my life together, and XXXX. My son and I got denied for an apartment and literally have no place to live. I am a hard working good person trying to make life better for my son. This is an unwarranted ridiculous, 5 year old debt which is the ONLY thing stopping me from renting an apartment. The property, XXXX XXXX has no record of my debt, Ive called several times just to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B 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 non-monetary relief
Consumer complaint received 2019-03-12
Company: Atlantic Mortgage and Funding, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the past month, I have received over 10 solicitations to refinance my VA home mortgage. They range from poorly written to devious in their aim to convince me that I should not miss this opportunity to refinance. Many center around some " waiting period '' or the " IRRRL ''  program which I did not even know existed. My personal complaint is that I hate receiving paper mail in the first place because it wastes my time and I have to dispose of it with a shredder to avoid proliferating my information. I also believe that these letters are unethical business practice targeted at ignorant consumers. I hope there are not people who respond to them, but I am sure there are. It should be illegal to send this garbage to me. If I want to refinance my VA loan, then I will seek out a lender. I have retained the letters in case you want more information. As of today I am at 12 of them in less than 30 days. To me that adds up to harassment by the industry as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was paid an balance owed to them is XXXX I've called an haven't received a receipt of payment either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PROCOLLECT would verify the debt. So I took it upon myself to ask PROCOLLECT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2020-05-14
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
My problem is with Toyota Financial Services : 1. Toyota Financial Services- In XXXX I lost my job due to covid-19. I called Toyota customer service number XXXX stated on my bill for a month, no answer. I went on their website : www.toyotafinancial.com and wrote that I lost my job and wanted to find out what can I do to defer or forebearance the payment. I HAD NEVER MISSED A PAYMENT. I received no reply. The website had an area that stated Covid-19 update however did not have forms or anything consumers can fill out for that option. When you go to fill out the form there was nothing you can fill out. They deliberately just posted the information with nothing consumers can fill out, only a sign stating what to fill out. No Forms whatsoever! On Monday XX/XX/2020, I went on my XXXX   XXXX account and noticed Toyota Financial reported that I did not pay my payment for XXXX. I made every effort to contact Toyota Financial however they ensured that they made themselves unavailable to respond to consumers in need of their assistance. This delinquent reporting to XXXX  has drastically brought down my credit score. When I called XXXX  to dispute this erroneous reporting, the phone hung up not working. I also tried to dispute it on line with my account since I have a freeze on my account it reroute me to purchase XXXX  's credit monitoring service which I can not afford at this time. If you didn't purchase their credit monitoring service, you can not dispute erroneous information on your account. When I went back to Toyota Financial service website now they have a form for consumers to fill out for a 30 or 60 days deference yet still you can not communicate with anyone to explain what happened. I filled it out however I did my best to notify Toyota Financial prior to when my car payment was due numerous times. My other creditors have worked with me except for Toyota Financial. I need the delinquent posting off of my XXXX  account since Toyota Financial deliberately caused their consumers to be delinquent by not replying to phone calls, emails, and provided erroneous information on their website to give the appearance they are helping consumers. I will never purchase a Toyota as long as I live and will tell my family, friends, colleagues, and acquaintances of what they did in my time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This summer I refinanced my mortgage with XXXX XXXX XXXX. They sold my mortgage and the new servicing company is BSI Financial. On XX/XX/XXXX I got a notice my city treasurer notifying me that my property taxes hadn't been paid on time ( XX/XX/XXXX ) and that a 1 % penalty had been applied. If I still hadn't paid them by XX/XX/XXXX then another 8 % penalty would apply. I tried to contact BSI via phone to see why they had not paid my taxes from the funded escrow account for that purpose but was not able to reach anyone. I then tried sending an email to their customer service trying to find out why they hadn't paid the taxes. With no response I paid the taxes from my own account instead of the escrow account to avoid the large penalty that would apply. It has been a few days now and I still haven't been able to contact anyone at BSI to understand why this even occurred or how to prevent this from occurring again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage reported that I have a 30 day late payment for XX/XX/2020 for the amount of {$1500.00}. This payment is suppose to be in the forbearance that we were put in. They claim that I didnt put in for the forbearance in XXXX, but I did, I applied for the forbearance twice. Either way, we have been severely affected by Covid-19 and have been since the end of XXXX. I would hope and assume that a company as large as Freedom Mortgage would take the date of the hardship into consideration and not just imply that it stated in XXXX. Im requesting that they include XXXX into the Forbearance and delete the hit to our credit that it was 30 days late.

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 2019-11-11
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of fraud

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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 2021-08-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper / Nationstar Mortgage purchased the servicing of my mortgage. My loan is impounded for Taxes and Insurance. Mr. Cooper / Nationstar failed to pay the proper amount billed by my insurance company and by the time they discovered they paid the incorrect amount my insurance was canceled. Unbeknownst to me there has been no insurance on my property for the last six weeks. Because Mr. Cooper / Nationstar has done this on several occasions before my insurance carrier has canceled me and I was forced to purchase insurance from another insurance company at a higher cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: OH
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:
Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed 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

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2018-07-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have disputed incorrect addresses and names on my credit report with Experian multiple times.

Currently Experian is reporting multiple addresses for me that do NOT belong to me. I have no accounts on my credit file linking to any of these reported addresses. I have supplied my ID multiple times and they still refuse to correct the issue.

My credit report is reporting 2 addresses for me : 1. XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX these addresses DO NOT BELONG TO ME. I should only have 1 address reporting and thats XXXX XXXX XXXX XXXX, PA 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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite my previous written requests, unverified items still remain on my credit report in violation of Federal Law. They stated previous responses to my other dispute letters that they have verified some items as accurate but failed to provide me with copies of the documents that they used to verify these accounts as per my request. their failure to provide me with the proof of the disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they say they do. Their failure to delete the disputed accounts that can't be verified after my written requests is also evidence of their willful disregard of Federal Law. I ask again that these items be removed.

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 2019-09-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This home was sold in XXXX of XXXX.. in XXXX of XXXX while in the process of purchasing a new home we saw that Ocwen was reporting late payments on the account which was incorrect..While they where researching the account someone at Ocwen entered some wrong information into my credit report stating that the account was still open and delinquent!!! Well our new loan was denied and we almost didnt get the loan for the new house ... Well we finally got Ocwen to enter the correct info regarding the loan being closed and sold, but they never removed the delinquent payments on the credit report.. I have submitted several disputes for them to correct this info, but they have not corrected this info yet.. Once again there were never any late or delinquent payments on this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I refinanced our mortgage XXXX of last year wot NewRez Mortgage services. Our old mortgage was with NewRez and new mortgage is with them. So this should have been a rather seamless refinance. XXXX was our first payment with the new account. Since our payment was auto-draft, we inadvertently paid our XXXX mortgage to the old account. Well, every since that has happened I have been trying to reconcile the mortgage with NewRez. I've been calling them every month because they continue to show that my mortgage is behind a month and I have been incurring late fees. When I call and speak to one of the representatives, they say that they see where we paid the XXXX mortgage to the wrong account but they can't move the payment over to the new account. Every month that I've called since this has been happening, they say they will mail the XXXX check to me so that I can apply it to my mortgage and solve the issue. The check is never mailed to me and now my credit score is declining as a result of the late fees month-over-month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2020 I refinanced my house and paid off all my debts. Conn XXXX XXXX XXXX started called me in XXXX saying the check for {$2900.00} that was sent to them was not the total payoff balance. The person said that another {$300.00} and some odd dollars was remaining now they are saying there is a balance of almost {$700.00}. My question to them was if i owed more money why did it take them almost a year to let me know also that was the payoff amount the lending company said was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CHECK INTO CASH INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Company calls me several times per day and hangs up. I feel they are using abusive credit collection tactics by harassing me. 

Also, I am sure if the charge is legitimate. They waited 3 years before putting themselves on my XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have submitted a request on XX/XX/XXXX asking for Ally to cease all contact with me via certified mail. I have being receiving letters from Ally repeatedly. I was told by Ally Financial Executive Customers Relation employee that all communication will cease as of XX/XX/XXXX. As of date they are sending letters. I have asked Ally to delete the derogatory information on all credit bureaus because they have re-aged and changed the account number in order to prolong keeping it on my credit. I dont understand how they can be allowed to harrass and get away with such illegal tactics.

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 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like Capital One XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: E*TRADE BANK
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I originally received an insufficient funds notice from E*Trade and I do not have an account with them. I then pulled a XX/XX/XXXX consumer file and indeed had an inquiry from E*trade on there. I called E*Trade and they advised me that I do not have an account and that nothing exists. I then wrote a formal dispute to E*trade with the letter attached and the consumer file and have yet to hear back. Getting someone on the phone to help is very difficult as well because I do not have the account number in question. Please help me resolve this account and make sure that it does not impact my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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