BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: FirstPoint Collection Resources
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt had been paid by insurance prior to XX/XX/XXXX when I last spoke to the medical management company that billed for the services. Tonight ( XXXX/XXXX/XXXX ) I go t a call just before XXXX from First Point telling me that I still owe {$620.00} for services. XXXX was insistent that I still owed the money and he has control over reporting it to the credit bureaus. He stated that as of XXXX/XXXX/XXXX I still owed {$620.00} and he was attempting to collect it. XXXX was not willing to hear that I did n't owe any money and that it had been paid. After I let him know that he is not able to try and collect money for a debt that was paid he became very argumentative, stating that he can and needs to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I notified Mazda Financial Services via certified mail # XXXX of my Right to Resend my contract do to the false & miss leading language contained inside the contract on XX/XX/2021. The correspondence was addressed to XXXX XXXX XXXX. Mazda Financial Services never honored my correspondence. Mazda Financial Services has violated 15 USC 1692e4 of the FDCPA The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed chapter XXXX bankruptcy on XX/XX/2019 and in XXXX I signed the reaffirmation papers with my attorney who provided them to M & T Bank. I was told by a bankruptcy specialist that once my reaffirmation papers were received that my account would be updated and my credit report will update showing my mortgage and the balance. My bankruptcy discharged in XXXX  and in XXXX   my mortgage account with M & T Bank was showing as active along with the balance I owed at the time. A couple days later my credit report was updated again stating paid in full. I called M & T and was told that it was an error and would be fixed. A month later in XXXX it was reporting an open mortgage again but has never reported the balance. Ive called several times since then and no one has helped me correct this. I was told I would get callbacks and no one ever called 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 2016-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX NEEDS TO UPDATE THEIR CREDIT REPORT TO SHOW THAT ACCOUNT XXXX XXXX XXXX HAS BEEN CLOSED. CAR WAS PAID OFF XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had fire in the house and we were safe but we are in the process to get the house rebuilt with the insurance company 's fund. The insurance company had issued fund to the mortgage company which is BANK OF AMERICA. Now, Bank of America is delaying in releasing the fund to pay off contractors invoice. I want to seek help with CFPB. 
This is just to initiate the complaint and I can give more information later. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Kinum, Inc., Indianapolis, IN Branch
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent certified dispute letters & validation letters multiple times to both the company & credit bureaus to delete the inaccurate collections off of my credit report. I have inaccurate addresses, names, phones, & social security numbers. I was not properly verified, there was no proper validation, there is no contract with my name on it, I don't know where this collector has came from & I don't know what they are doing. They need to show me, they need to prove beyond shadow of doubt, that they have proof. Document, signature, digital signature, a voice recording. 
What do they have? Do they any have any of these things? I want this collection to be removed with prejudice immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. My information was used to open an account with XXXX XXXX XXXX XXXX. I only became aware of this after they placed the account for collection with Sunrise Credit Services. I contacted Sunrise Credit Services and advised them that this account is a direct result of identity theft. 
As of today, more than 30 days later, this account still appears on my credit files.

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 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: FL
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:
I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and XXXX Equifax, and XXXX  has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm in default on my mortgage since XXXX. XXXX commenced foreclosure action on behalf the Note/mortgage holder but did not produce the necessary documents to get final judgment to foreclose. Prior to foreclosure hearing in XXXX XXXX bank lawyers falsified mortgage assignment using former XXXX employees acting as XXXX vice presidents, filled another foreclosure complaint on my house under different Docket number ( dual foreclosure in another court, different town, different judge ) and had only copies of the Note and Mortgage. The servicer had no standing in court and had no authority to sue on behalf of the true owner of the mortgage documents. This fraud did n't work and judge ordered to bring all original documents the Promissory Note in particular in 7 days after the hearing or the case will be transferred to Foreclosure unit Supreme court in XXXX NJ where it was dismissed in XXXX for lack of prosecution. During this process I wanted to know who the owner of my loan is since the servicer did n't want to modify. The servicer, XXXX refused to identified to Note holder but few months later another law firm affiliated to XXXX told me its XXXX who has the loan. XXXX sold their servicing rights to Green Tree servicing LLC in XXXX XXXX and for unknown reason placed to payments to my mortgage in XXXX and XXXX XXXX which I discovered recently from my credit reporting agency. Green Tree merged with Ditech Financial. Another Foreclosure complaint was filled in XXXX XXXX and I filed motion to dismiss the case because the statue of limitation 6 years from the default and mortgage acceleration has passed at the time of complaint. The plaintiff and judge scheduled motion hearing and did n't invite me. I discover this misconduct and adjourned the secretly scheduled hearing to later date. I was called for another hearing less then 48 hours on my cell phone to come to the court and I was asked to call the plaintiffs attorney to show up as well. I refused and the court clerk call them! The judge denied my motion to dismiss the case stating there was no evidence of pre-foreclosure sale and no mortgage acceleration to make the previous foreclosure valid complaint. I have all evidence that the judge committed fraud upon the court and I need the CFPB to help me. Ditech states that they own the mortgage and the note but show no prove in court, therefore no standing in court. Ditech assured me that different rules applies to them to foreclosed.This is a great case of conspiracy, Robo-signing, Respa violation, several counts of fraud and due process violation. It 's complicated so please help! 
I have evidence for all accusation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received phone call on XXXX/XXXX/15 to say my mortgage payment was late, when in fact it was not late.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for and completed a home modification program ( Home Affordable ). My mortgage was sold from XXXX XXXX XXXX to Di-Tech. Upon completion of the modification program, I received a letter from XXXX XXXX XXXX explaining to me that since I completed the program in good standing without missing a payment, they were awarding me {$4000.00} to be applied to the principal of my mortgage loan. Once Di-Tech bought the mortgage loan from XXXX XXXX XXXX, they ( Di-tech ) decided that I did NOT qualify for the {$4000.00} and advised me in a letter that they were taking that money and that I was no longer eligible for it. I called Ditech to inquire how they came up with their reason that I did not qualify for the {$4000.00}. They said I had missed a payment back XX/XX/2012, therefore rendering me unqualified. After speaking to Ditech, I immediately called XXXX XXXX XXXX who in fact verified that there has never been a payment missed or even late. I have NEVER missed or been late on a mortgage payment in 49 years of owning my home. My daughter wrote a letter to Ditech along with the proof that the payments were all made and all I 'm getting is " we need more time '' explaining that they can not find a discrepancy. If I can get that {$4000.00} applied back to the principal of my home, I will be able to refinance and bring my payments back down to where I can afford them. Since Ditech took my mortgage from XXXX XXXX XXXX, my payments have steadily gone from XXXX to XXXX. I am XXXX yrs old and a widow, and live on a fixed income. I feel strongly that they are scamming me in order to keep the money that was issued to me by the Dept of U.S. Treasury. I have the letter from them awarding me the money. Please help me get the money back that I have coming to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: FL
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:
I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and XXXX XXXX and Experian has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.

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 2015-07-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX ct # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX & XXXX # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXXXXX XXXX XXXXacct # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015 I hit a 6 year HAMP anniversary and was entitled to a {$5000.00} incentive. Ditech purchased this account in XXXX of 2015 from XXXX. Ditech refused for months to acknowledge that the loan had hit it 's 6th year anniversary. Eventually they agreed but then said they were waiting for the funds. I complained several months ago to this board and you closed it out when they said they were still working on it. It 's now several months later and almost a year beyond the point when I should have received this credit. Please help!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX from XXXX out of XXXX nc they financed the truck at Unifour Financial which owns XXXX, seems like a monopoly. 
The truck value was {$4700.00} but after financing it the total cost is {$16000.00} about {$11000.00} more than the truck value. 

They financed it in my name but since they could n't verify my income they had my Mother co sign, my interest rate was 27 % and after my Mother co sign the interest rate remained the same but it should have been around 7 or 8 % because her credit score at the time was XXXX. 
Consumer fraud was committed on behalf of XXXX and unifour financial because they hid problems about the truck which they knew about, like they purchased the truck from an insurance auto salvage auction in XXXX NC But failed to tell me. they failed to tell me they touch up paint and sprayed a thin layer of clear coat on the truck just good enough to sell which the clear coat and paint came off within a week of purchase. the driver and passenger floor board has rusted holes in which they hid by placing vinyl flooring over it. the steering column collar has bolts missing in which the collar is hanging down. the ignition switch wo n't work sometimes. the passenger door can not be unlocked from the outside. the transmission torque converter is slipping since day XXXX. Unifour financial wo n't work with me on anything, they do n't do deferments, they do n't refinance, nothing will they do, XXXX has had all these issues presented to them numerous time but they have always ignored me. consumer fraud has been committed by both businesses

Company response to consumer: Closed
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act XXXX Account number XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Please investigate this account. This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to 0 or eliminate the item certainly. 
XXXX XXXX ***** Opened Date XX/XX/2015 Balance {$1500.00} XXXX XXXX ***** Opened Date XX/XX/2015 Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: MA
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was settled in full with the original creditor XXXX XXXX on XX/XX/2020. The proof of the same was provided to Hunter Warfield on XX/XX/2020. I also spoke to the collection agency and explained the matter. Yet they have reported this to the various credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/2020 ; XXXX Date of Inquiry : XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
My address with equifax along with the other credit bureaus was updated in fact my address was updated on XX/XX/2017 and all fraudulent addresses was deleted. I currently monitor my credit very closely due to being a victim of identity theft so I got a alert this morning stating my current address was deleted and the fraudulent address was add back on I contacted the company and was on the phone for 2 plus hours with no result they said my current address was never on there they never changed it and I did n't send in the documents to have it changed which I did I am enclosing picture proof they will not change my address back to my current address and remove the fraudulent address my current address is XXXX XXXX ca XXXX I also am sending the info I sent them when they updated my address on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief