BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-04
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company so many time and I was told to send in paperwork that I have sent in over  5 times an d never gotten a response the account was opened up fraudulently in my name I gave them everything they asked for and heard nothing called so many times no was able to tell me anything until I received something in mail saying they are closing the case because they have n't received papers I know that it 's not the case because a rep said they received it over the phone and I had to wait to do the investigation this company is jerking me around only to find out that this business is not even licensed to do business in my state they have a corporation service company in California but that is it no rights to collect a debt in California they are breaking the law I found this out when I went to the courthouse in my state of California

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: General Motors Financial Company, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I disputed this account via the XXXX, XXXX and XXXX. GM Financial verified my social security number with the credit bureaus but has not validated the debt. GM Financial has not validated this debt or any corrected the many inaccuracies that they are currently reporting. In fact, I do not nor ever have entered into a financial agreement with GM Financial. They have not provide their " chain of assignment '' either. I am attaching a detailed letter that GM Financial needs to address promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2016-01-25
Company: High Point Asset Inc
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My husband got a call from High Point Assets inc, about some payday loans that I have n't aplly for or received any money from.When I tried to call the agency a lady with the name XXXX, talked to me with a very bad, rude attitude, and told me about those payday loans.And when I was trying to explain to her that I did n't apply for any of those loans, she was trying to interrupt me, like I was stupid and I did n't know what is going on.I also told her to send me by email those " creditors '', so I can see who are these people.They sent me XXXX pages with the pay day loans from XXXX through XXXX .First creditor is XXXX for {$510.00} dollars, second amount {$400.00}, XXXX is {$430.00} and the fourth amount is $ XXXX.They also are calling at my house phone and my husbund 's cell but not me that its my name on the papers.I did a little bit research, and it looks like they are artists scammers.I never took nor I apply for those payday loans and I despude ALL THE CHARGES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CountryPlace Acceptance Corporation
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MIP was increased a second time without any notice. I realized online while trying to pay XX/XX/XXXXt due mortgage premium. I would like to protest the MIP increase until I have a detailed notice with increase calculation and the option to verify my tax and insurance payments. In the past, I have been able to lower my insurance premium and still meet the mortgagor 's guidelines for coverage. 

Also, the last time my MIP was increased it was in the thousands of dollars due to Country Place Mortgages ' error, and I had to contact HUD to advocate might rights. Country Place Mortgage has not taken any action to remedy the errors and hardship they cause consumers. Country Place mortgage improperly reported me negative on my credit and I had to involve HUD yet again to get them to remove the negative rating. This company continues to cause me undue stress and I would ultimately like to have my mortgage moved to a lender that actually provides customer service and has a vested interest in their customers. 

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 explanation
Consumer complaint received 2016-08-18
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Requested possible solutions to avoid foreclosure. Opted to apply for a loan modification before trying a dead in lieu or short sale. 

I have never heard back from the Service Company about the Loan modification application, beyond requesting a form to be filled and signed for credit check. Filled, signed and sent in promptly. 

Receive letters from loss mitigation department, call get no response. Leave multiple messages asking for options other than foreclosure and outcome of loan modification application. Never get a return phone call from them. 

Received yet another letter from loss mitigation date XXXX XXXX, call and get no response. Shuffled into the same voice mail box, requesting options other then foreclosure and the status of the loan modification application. Receive certified mail informing of a foreclosure auction date for the end of the month. Letter was signed 2 days prior to the loss mitigation letter. 

I 've still never heard back about the loan modification application. From what I understand, they need to send a denial reason by mail, which was never received. From what I understand, they have to make a good faith effort to work something out when we are all looking for a better option than foreclosure. No return call or letters about the modification do n't sound like an effort on their part. 

All we want is to postpone the foreclosure date and work on another option with the Service Company. Short Sale, Deed in Lieu or traditional sale as the value of the home is hire then what is owed. Homes in this area sell fast and often well above asking price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I have filled out a stop payment form with bank and I have also filled out a form that stops them from taking money off my bank card as well. I sent them a certified letter stating that I am revoking my consent to use my bank for any future transactions/eft's/ACH ... etc, etc. I have offered them {$50.00} every 2 weeks but they are going to continue the 7.9 % interest per day on me!!!!! I will never get out of this!!!! Atleast I am trying to pay them and not running off and waiting till they take me to court ... ... .Their EPP ( extended payment plan ) agreement is very unfair!!! Advance Financial 24/7.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to m e, Trans Unio  n cre dit bureau issued the report that was used to determine my credit evaluation.   Sect ion 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccur ate reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX    XXXX  #  XXXX   2.   XXXX   XXXX   XXXX    XXXX   #  XXXX   3.    XXXX   XXXX   #  XXXX  4.  XXXX   XXXX   #  XXXX  5.   XXXX   XXXX    XXXX    XXXX  6.   XXXX   XXXX   XXXX   #  XXXX   7.   XXXX   XXXX   XXXX   #  XXXX  MY CURRENT ADDRESS IS  XXXX   XXXX   XXXX ,  XXXX , OHIO  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 2016-05-19
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continued to contact my work phone number after receiving notice that calling the number was not allowed. The debt was under dispute with the credit bureau and when I spoke with someone regarding the continued calls and asked that something written be sent in the mail regarding the debt since it was under dispute due to my lack of knowledge of the debt. I was informed that I could " play this game all day. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Global Credit & Collection Corporation
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
I was at work and a lady called and said she was a tracker and I was going to be served papers at my job .I asked her what was it about she told me.she could not tell me I had to call the number she gave me.them when I called I asked the lady was this tracker person a police. She said yeah she just like the police.we hired her to serve you papers and find u.but I had a credit card with XXXX and they sold my account to a credit card agency.The lady from the collection agency told me if I did n't pay the debt she was going to have me served and possible legal Action.but once I gave her my bank card number she pretty much told me I had no choice to pay this and if I did n't it would be serve actions behind it.the funny thing about this is I called XXXX and I have XXXXdifferent cards with them and I was told if I want to pay them off I could call them and once I pay them off I could reopen the card.I also asked this women where she got my information she said they had to hire tracker. But if they sold my debt.u did n't have to find me.she then transferred me a man who then said if u do n't make the payments I do n't know what will happen after this.but if ur the one serving me you do know what will happen.now she is calling me from a private number so I ca n't call her back.I ca n't find the company website so I did n't leave the money in the bank.I have not even received a letter from the collection agency in the mail offering a settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: FORD MOTOR CREDIT CO.
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 loan was paid off and the same month it was there is a late payment listed which I was not late. Please remove this false remark ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-10
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company, American Medical Collection Agency ( AMCA ) was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX has submitted XXXX inaccurate outstanding debts. I filed a dispute with XXXX. I have contact them numerous times for their " trip notes ''. What they submitted to XXXX and what the hospital claims on XXXX transport, are completely opposite. On XXXX XXXX, 2014, my home was burnt down. I did not call them, nor did I receive treatment. They never billed XXXX, which by law, they must do. They are billing me {$100.00} for showing up at the scene. The firefighters showed up as well, but they did something. I said I could n't have possibly called them because I was pulled out of my home while it was on fire. They stated, " Too bad, you are still responsible ''. I was appalled. For what??? Them to watch my loss??? 

On XXXX XXXX, 2014, they were called to my residence by XXXX XXXX Police. They stated that they transported me because I could not hear, although XXXX was billed for advanced XXXX ; incorrect. Again, no treatment was administered. Upon arrival XXXX, they stated that I was an XXXX was performed, XXXX but NO services were received or performed pertaining to my hearing. One date of service was either, never submitted to XXXX, because no services were performed, and the other was, as XXXX explained it to me, was billed incorrectly. Because the services stated were NOT received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Medical Collection Agency is trying to collect on the medical bill that was paid directly to the medical provider, through HSA account. Despite numerous attempts to request AMCA for the debt validation, the continue to harass me with their collections. Also the amount they trying to collect does not match anything that I was ever billed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit card company continues to call each hour after being sent bankruptcy filing information along with the fact that I told them that I can not accept calls at work.

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 2017-05-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On   XXXX   XXXX    2017, I  contacte d Wells Fargo B ank regarding my current balance increasing. I was told that the increase was due to a new Mortgage Analysis schedule. This would make  XXXX  analysis within  12 mo nths. I was told the same thing last year, which they change the schedule last year. I was told I was l ucky because I would not go through another analysis until 12 m onths. On   XXXX   XXXX  , I received another call stating that they were still researching the issue and would provide me with an answer as soon as possible. As of   XXXX   XXXX    2017, I  have not received any status or documentation from them explaining why I received another Mortgage Analysis.

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 2015-06-23
Company: Financial Credit Network Inc
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit.in XXXX XXXX 2014 I faxed over the police report and supporting document and they failed to remove these account with in the 30 day statue permitted by law. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them

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 2015-05-19
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my regular mortgage bill with an extra amount due monthly. It states is for attorney fee for a foreclosure in the total of XXXX. I called them asking how this is? They stated I went into foreclosure when I did n't and told me this is their attorney fees, I asked them for a copy of the attorney 's bill they received and proof I went into foreclosure. They have history of doing this to people and false charges. They stated they had no proof that they only had a letter that was sent to me a XXXX ago stating my account could go into foreclosure if Im not caught up. I was late XXXX month and this does n't constitute foreclosure and nor was foreclosure started. I would like a copy of the attorneys bill for the amount they are charging me. They are always extremely nasty on the phone to me and threaten me in different ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I owned my home for approximately 19 years when it foreclosed in XXXX 2014. However, the decision is not yet final as the case has not yet completed the redemption period and I am filing this complaint to let the CFPB know that along the way I was scammed ( XXXX individual was actually on the news a few month ago and he was indicted for mortgage fraud in XXXX XXXX ... ... .he was XXXX of the persons who handled my loan! ), encountered gross negligence or not provided the services that I paid for at various entities. For your information, this home equity loan was originated by XXXX mortgage then sold to XXXX then acquired by XXXX XXXX XXXX and then eventually serviced by XXXX Servicing. Other entities that contributed to my misfortunes included a financial counseling agency and a law firm that took a lot of money from me ( with large up-front fees ) without assisting me in any meaningful way! Lastly, my dilemma culminated with being assigned to a Judge in the XXXX XXXX XXXX in XXXX County, Florida who had been arrested herself for XXXX and she had been recently reassigned from the XXXX Division to the XXXX Division. It appeared that she had no desire to hear the merits of my case and basically told me to " sit down woman '' and then proceeded to immediately deny the motion to set aside foreclosure sale and vacate final judgment. I never had a chance to show the valid reasons as to why the sale should not have gone through!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house in Arizona was foreclosed on with XXXX and was supposedly sold and foreclosed on back in XXXX 2016 of this year per XXXX and the gentlemen that purchased it came over and said he bought it- now I am getting a bill from a place call Shell point Mortgage Servicing with the full balance owed like I owe money to them now for the mortgage. How can I owe money to another mortgage place when it was purchased by someone else at an auction foreclosure and I no longer own the home? XXXX and this Shellpoint has been playing games with me and telling me that I know longer own the home and the person that bought it will be the one that is on Shellpoint mortgage but instead they have put my name on a house I no longer own

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: EQUIFAX, 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:
There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to me,  XXXX   XXXX  credit bureau issued the report that was used to determine my credit evaluation.    Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   XXXX    4 .  XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX     XXXX   XXXX   MY CURRENT ADDRESS IS   XXXX   XXXX   XXXX   XXXX    OHIO   XXXX

Company response to consumer: Closed with explanation