BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XX/XX/XXXX from XXXX. to collect a debt from Toyota Motor Credit on a XXXX. The XXXX account number ended in XXXX for client account number ending in XXXX. The payoff amount was {$10000.00} for a car that my ex-husband had retained in the divorce and had eventually been repossessed. This was a debt that I did owe because I was on the car loan as well. 

I contacted XXXX and settled this debt on XX/XX/XXXX with XXXX at XXXX for {$6300.00}. I have the confirmation letter dated XX/XX/XXXX from XXXX. stating these terms and the letter dated XX/XX/XXXX from XXXX stating the debt had been released. It reads " As per your request, we wish to advise you that your account with the above referenced client has been satisfied. On behalf of TOYOTA MOTOR CREDIT and XXXX., thank you for satisfying your account as agreed. This is a communication from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. '' Everything was good until I received a letter from XXXX . postage stamped XX/XX/XXXX and dated XX/XX/XXXX trying to collect on the remaining debt that had already been settled through SRA Associates , Inc . This letter is for XXXX # ending in XXXX on the same XXXX with an account balance of {$4000.00}. Now, if you are following along you would know that the beginning debt balance of {$10.00}, XXXX minus the settlement amount of {$6300.00} ( that Toyota settled with me through XXXX . and released me from the remainder of the debt ) equals {$4000.00}. Toyota has pushed my account out to ANOTHER agency to settle the remainder of a debt that they have ALREADY released me from. This is a violation of FDCPA. They are not allowed to collect on a debt that has already been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
For approximately 1 year, I have been trying to get Equifax to resolve the problem that I have obtaining my credit report and credit score from them online through their own website and through annualcreditreport.com. Most importantly, I have been denied credit twice by two separate creditors because they could not access my Equifax credit report and score. Both creditors were able to obtain my XXXX and XXXX files with no issue. I have contacted Equifax on 4 occasions over the phone to resolve this issue. At my request, my calls have been escalated to supervisors and the fraud department each time. Equifax continues to explain that THEY can see my file and that there are no alerts and that my account is not blocked in any way. They then offer to sell me their online product/services. I have had to cancel their services twice because I am NEVER able to obtain my credit report or score. They 've had to refund money to me twice because I could not obtain the service online. They 've offered to send my report to me in the mail. However, this does not solve my problem if potential creditors are still not able to access my credit file. I have worked really hard to improve my credit and now can not get credit from car dealerships or simple retail stores like XXXX because they are not able to pull my Equifax credit file. I have verified my name, address and SSN to them verbally and I 've faxed copies of my ID and Social Security Card to them as requested. I still have no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I called in to Bank of America on XX/XX/XXXX to get my balance and lo and behold it did not accept my telephone numbers, land which is XXXX for over 18 years nor my cell which XXXX for 5 or 6 years. Why because they had let some one change my phone # to a number no where near my ID numbers. Why they could tell me. This scares me, this is second time I had an issue with Bank of America. When I was working on the road between different states, they told me they had not turned my check request in and I needed to order them again, meanwhile, they send out the XXXX order, which was stolen and I had the same checks in California. I had fly XXXX and change everything and go back work. How can Bank do these things without authorization? I am furious. Please advise.

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 2016-03-04
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX private loans with Navient. Unknown to me they went to 120 days past due after I received a notice. In the notice they offered both settlement and installment payment plans to pay off/down the loans. I contacted Navient and indicated I wanted an installment plan as indicated by the letter and they kept pushing to settle or to pay a substantial amount to " release the co-signer ''. I kept asking about the installment indicated on the letter and they said that is only offered after a large " good faith '' payment is made. I am in no position to pay large amounts or lump sums. They keep denying me any attempt to pay in installments. After the initial call, they started calling my co-signer and the " references '' I listed on the initial application. They call daily, sometimes hourly. I wrote to both of my " account managers '' to cease and desist in calling and to only correspond in email or writing. They continue to call daily including the co-signer and references which I asked them not to contact. They indicate they will not stop calling and will " call you tomorrow '' in a harassing tone. The account managers are a XXXX XXXX and XXXX XXXX @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 Somebody used my debit card information and my address to order goods from XXXX. On that day I have received a text message from chase that there is a transaction from XXXX for {$5200.00} and they want to know is that transaction authorized or not. I responded to their text that it is not authorized! After some time I saw that there is a transaction showing on my transaction list for {$5200.00}. I called Chase bank reporting that it is a fraudulent transaction and also told them that I responded to their text message as well. They told me that they are sending a new card and started a dispute with XXXX. After some time they put a temporary credit and after some time they reversed it by saying that XXXX responded to them that information is match. I dont know what information is matching because till now I did receive anything from Chase proving that. I requested two times to send me all information provided by XXXX. Till now nothing! I didnt receive letter that they declined the claim! After that have called XXXX they noted that transaction is fraudulent and told me that the only way to refund money to restart the dispute with the Chase! I called Chase they refused to reopen the claim. In conclusion what I have is they both Chase and XXXX knowing that I was a victim of theft refusing to refund my stolen money! And basically supporting fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: SUNTRUST BANKS, INC.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX, I was involved in a car accident where my car ended up being totaled. I reported the car accident to my car insurance and they began the process of paying off my car loan with Suntrust. In XX/XX/XXXX, I paid the car loan amount due because my car loan payment was due on the XXXX of each month. After that date, I did not pay anymore loans because as I explained to Suntrust, I was waiting for insurance and gap insurance companies to finish paying on my car so that I could see what was left over for me to owe. On XX/XX/XXXX, my insurance company issued out a check to Suntrust for {$6700.00}. Because I had a extended warranty on my car, the company I bought the car from issued out a check on XX/XX/XXXX for {$1300.00}. To me that should have covered a payment for XX/XX/XXXX. Now on XX/XX/XXXX, my gap insurance issued out a check to Suntrust for {$3700.00} that should have went to the XX/XX/XXXX payment since it was after the due date of payment which is the XXXX of each month. However, I received a letter from Suntrust stating that they had not received any payments from me for XX/XX/XXXX and XX/XX/XXXX. When I called the company, it was explained to me that those checks were not considered a payment and that I was delinquent on the account. Because of this, they reported to my credit report the delinquency which caused my credit score to go down by XXXX points. I do not understand how checks written on behalf of me to my account are not considered payments. I even have my car insurance check as well as my gap insurance check with my name on the checks written as payments to Suntrust.

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 2017-04-03
Company: Caliber Home Loans, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX-loan # XXXX Docket # XXXX Law date : XX/XX/2017 I expected better from our " justice system '' but, I am not surprised at my outcome. There are businesses similar to Caliber Home Loan, Inc., in existence all over. They claim to be customer specialist but they are not. They prey on the short comings/ misfortune and zero finances to fight properly. 
In my opinion Caliber Home Loan , Inc., is no more that a collection agency that buys loans and services them until people make one mistake. That one mistake has caused me nothing but disappointment, frustration and XXXX. Paper shows that Caliber tried to work with me, but they really did not. 
I fought long and hard to modify my mortgage loan on my own, and then through Court Mediation. Week after week, month after month, the same exhibits needed to be redated, refaxed or remailed. In Court mediation myself and the Court appointed mediator handed off the paperwork to the Attorneys office representing Caliber Home Loan , Inc. and they saw that it was passed on in a timely manner. This process went on for a year or more and until recently I got defeated. 
I have every paper I ever sent to Caliber Home Loan, Inc. I was never sent a letter of rejection. They knew my credit worthiness and I feel they misled me. I have lived here 15+ years and am XXXX years of age. I apologize for being laid off but tried to quickly rebound and get back on board. I was told by Attorneys and others that mortgage companies do not have to work with people and I am sure that Caliber did not want to work with me. Now, I will join the homeless because I could have paid the modification ( which was to be through HAMP ) but Senior housing and regular housing are saturated. 
What do I want?? I just do not want anyone else to suffer this kind of unnecessary XXXX, XXXX, XXXX and XXXX from Caliber Home Loan , Inc. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Collection Management Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted this company via XXXX certified mail to request debt validation. The company has not responded or provided any validation. They have reported this account with all XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out a private student loan with a co-signer with NATIONAL COLLEGIATE STUDENT LOAN TRUST back in XX/XX/XXXX. Since then in XX/XX/XXXX I received summons for motion of judgement by default filed against me in XXXX County GA. The judgement was granted XX/XX/XXXX, even though I responded and contacted the company directly attempting to make payment arrangements. In XX/XX/XXXX the NATIONAL COLLEGIATE STUDENT LOAN TRUST went to XXXX County GA to file for garnishment with my employer and since then my wages have been held. I filed for a traverse which was temporary granted and now I 'm in need of getting the Judgement set aside due to fact the original Motion of judgement never included the co-signer nor The Plaintiff state the date the contract was breached or otherwise not complied with. Plaintiff also failed to mitigate damages by failing to take reasonable steps to reduce or minimize the damages experienced. The Plaintiff is seeking to recover more than entitled to recover in this case, and award of the judgment sought by the Plaintiff would unjustly enrich the Plaintiff. I am a single mother and this garnishment has created an extreme hardship upon me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXXXXXX / {$790.00} / XX/XX/2021

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 2016-12-01
Company: CMRE Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant robo calls during the day, starting at XXXX on the dot. Never a live human being. They call you to put you on hold for long periods of time during work hours. Last time I waited 45 minutes. They leave messages on my voicemail about debts when they have no idea what number it is or who it is ( since I have never been able to talk to someone ). I have never successfully connected with this company and getting tired of dealing with it, and have never been contacted by anything other then a robot.

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 2017-04-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi there! 
I have been battling with the XXXX credit reporting bureaus since last XX/XX/XXXX. I discovered I had been assessed a tax lien in error ( the lien was for a car that was a gift, but I forgot to check the " gift '' box on the title transfer, this the state [ Ohio ] assessed me the tax value ) but I worked with the Ohio Attorney General 's Office and they gave me a lien release letter that I sent on to the XXXX County Clerk of Courts. The lien is removed but should not have been assessed in the first place. I worked with XXXX and XXXX and when I submitted my disputes and paperwork they completely removed the lien from my credit report, but Equifax refuses to remove the lien and just shows that is " reporting correctly '' as being paid in full. This is negatively effecting my credit score and was not my fault in the first place at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an open collection for {$1800.00} through XXXX. I filed a Chapter XXXX Bankruptcy in XX/XX/2015 and this account should be listed as closed and part of my Chapter XXXX Wage Earner Plan, just like my other creditors. I spoke with the collection agency and was told they provided information to Equifax, I have also disputed this twice with Equifax and they will not update the account. I am providing my Chapter XXXX Statement of Financial Affairs & Schedules, you will see on pageXXXX XXXX is on my list of creditors and this collection should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Williams, Rush & Associates, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a call from Williams Rush & Associates. They stated I have a debt that I owe from XXXX. I asked for proof of this debt to be sent to me. He stated if I did not take care of this date now, it would be reported to the credit bureaus. It has now appeared on said reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am here to make a complaint against my mortgage company they foreclosed and sold my house out from underneath me. In 2016 it was pending in foreclosure and I filed a notice of rescission in XXXX 2016 and my mortgage company totally ignored the notice of rescission and went ahead and foreclosed and sold my property on XXXX XXXX of 2016 and now they are trying to force me out as a tent. Somewhere along the line they have done this illegally. Now they are trying to force me out as a tenant I 've been to court three times and the judge ruled in favor of the plaintiff which is my mortgage company and as of Tuesday, XXXX XXXX, 2016 it has not been recorded that it was sold they 've sold it for more than what I owed and now I am trying to get the money that 's left over but I 'm still here in the house I have n't been evicted yet the whole thing of this mortgage company and the way they sold and foreclosed is awful fishy to me and I do n't have a whole Lotta money to fight this so I 'm just sitting here waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Yesterday afternoon I received in the U.S. mail my copy of my " Equifax '' credit report dated " XXXX XXXX, 2017. '' On " Page XXXX of XXXX, '' under the " A Request For Your Credit History '' section it states that a company named " XXXX, XXXX '' inquired of my credit on " XXXX/XXXX/2017. '' I just renewed my apartment lease for another 12 months on XXXX XXXX, 2017 so why would I buy a home? This unlawful " XXXX XXXX, XXXX '' credit inquiry/notation on my " Equifax '' credit file is NOT mine. I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Had a judgement removed from my credit report, now a third party put it back on there, when the judgement has been removed. The other credit agencies do not have the judgement on it because it has been satisfied and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector called trying to collect on a debt I had paid more than a month prior to the calls and letter. They began calling me before I had received their letter in the mail. I did not recognize the number and I was at work so I did not answer the call. They then called hourly for the next XXXX hours until I did answer. When I said " hello '', I heard the " ringing tone '' as though I was calling them or was being redirected. The lady who answered asked me to verify who I was. I said that, since she had called me, I would like to know who was calling me. She asked me again for verification. I asked her to identify herself. SHe mumbled her name quickly. I said " I 'm sorry, I did n't catch that. '' She again asked me to verify who I was. I again asked her to identify herself. She ended the call at that time. I blocked the number after that because it seemed shady. I later received their letter in the mail at which time I noticed that the number that had called me was for this collector. 

Additionally, the size and placement of the logo at the top of their letter makes it appear, at a glance, that the name of the company is " OHSI ''. This " OHSI '' is the largest and most noticeable thing on the letter. Although their actual name is listed many times throughout the document, the logo/placement could make it difficult for more vulnerable demographics ( elderly, etc. ) to search for and find this company online ( and consequently make it harder for them to identify who the company is in things such as the step of the CFPB 's process that asks users to identify the company ).

Company response to consumer: Closed