BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: Bonneville Billing and Collections
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was notified by your company on XX/XX/2021 regarding an alleged debt. I have reason to believe I do not owe this debt because the alleged debt is not accurate, my insurance company has settled on XX/XX/XXXX, XX/XX/2021 as EOB recorded I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you has verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you is licensed to collect debts in [ Pennsylvania State ]. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing in regards to my XXXX  XXXX XXXX. My payment due date is scheduled for the XXXX of every month. On Friday, XX/XX/XXXX, I made the payment via the mobile app. After making said payment, I noticed that the post date had been scheduled for the following day, XX/XX/XXXX. I updated my payment to post on XX/XX/XXXX. This was done at approximately XXXX XXXX. As of today, Monday, XX/XX/XXXX, Lexus XXXX  still has not taken the money from my account and I see no record of my payment online. Additionally, the website shows my account as Past Due. This is not only false information, but alarming to say the least, considering I have stellar credit and a perfect payment history. Representative said she had no record I changed my payment post date and said the account shows as past due because it is now the XXXX, and it does not matter that my payment had been scheduled for before the due date. Why does Lexus XXXX consider a payment made before the due date, or even on the due date, as past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates at XXXX XXXX XXXX XXXX, TN XXXX. Has put a collections account on my consumer that I know nothing about for the amount of {$760.00}. The collection has been reported as a pasted due balance. I do not know any about this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Westlake Services, LLC
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I applied for a secured title loan at a web site called " XXXX '', on XX/XX/2015. After submitting my information the web site stated that I qualified for a loan for {$5000.00} secured by the title to my XXXXPorsche Boxster. The loan site indicated I would receive a loan for {$5000.00} at 7 % interest rate. I was quite happy about this as my wife and I had just moved from XXXX, XXXX to XXXX, XXXX, and we were in need of funds. After I had completed all of the information online, I received a check for {$5000.00}. We signed over the title to my car and only then received our initial bill which showed a loan apr of 88 %. We were quite stunned and my wife called the lender ( Wilshire Commercial Credit ) and asked about the loan interest rate. Again, over the phone the representative stated that the loan was granted at a rate of 7 %. The representative stated that the payment of {$390.00}, almost all of it going to interest was so high because of " fees ''. All of the transaction was completed online, using " XXXX '' ' and nothing that I signed showed the exorbitant interest rate of 88 % apr. After this I researched the company, Wilshire Consumer Credit '' and found that many other consumers had been duped just as I had. In fact I learned that this company was the subject of legal action by the Bureau of Consumer Financial Protection, for similar and other deceptive loan practices. I am requesting assistance from the Bureau of Consumer Financial Protection in obtain a just resolution of this matter.This whole matter is particularly abhorrent given that while I was in the process of obtains this loan, and in subsequent discussions with company representatives, Wilshire Consumer Credit was being prosecuted in court for such abhorrent actions. Please help me obtain a satisfactory resolution in this matter because otherwiseI will certainly lose my car! To make matters worse still, when I received my XXXX bill it showed an additional charge of {$150.00} for " prepaid interest ''. Again, I had not seen anything about such charges until I received the bill! Following our inquires with Wilshire Consumer Credit, they sent us a loan document that showed the interest rate of 88 % apr, which was signed digitally using software by " XXXX ''. At no time prior to receipt of this documentation had I seen this form or signed any document, electronically or by conventional paper and pen, until the company sent this documentation after the loan process had been completed. ACCOUNT XXXX. 

Respectfully submittedXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage Company EMC has not complied with the stipulations outlined in the settlement of FTC FILE # XXXX Pgs XXXX of PDF. They failed to correct my escrow account which is clearly miscalculated see pgs XXXX-XXXX of PDF and filed false documentation with the IRS in regards to what they actually received from me See Pgs XXXX-XXXX. They refused to answer the Pennsylvania Banking commisons questions regarding these XXXX matters See Pg XXXX of PDF XXXX line. They excluded me from any settlement monies. Gave my loan to a collection agency XXXX XXXX XXXX without settling the dispute See pgs XXXX. They then told me there was no more settlement money, but they recognized their mistake and would satisfy my loan See XXXX XXXX,XXXX of PDF. Yet they still report this incorrect amount to both XXXX, and XXXX. XXXX. They do not report tis to XXXX. EMC sold my loan to chase. The resolution I want after 10 years of being taken advantage of is this debt totally removed from my credit history. I want them held accountable for violating the FTC settlement which precludes them from misrepresenting the amounts I owe, not compensating me, Violating my rights in regards to the FDCRA by reporting a amount they know is inaccurate. My Escrow Disclosure Statements for XX/XX/XXXX and XX/XX/XXXX do not match my Annual tax and interest statements as they should see pgs XXXX-XXXX of PDF. My rights are being violated and my credit has been damaged for years. First and foremost I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Qualified Written Request and Complaint against PennyMac Loan Servicing, LLC and XXXX XXXX XXXX XXXX, as a Paying Agent for some XXXX XXXX XXXX XXXX. 
On XX/XX/2021 some Third Party Payment Processing Services ( who lacks any corporate identity or contact information ) submitted {$1000.00} payment via XXXX XXXX ACH for my home insurance policy from someones home on behalf of some Mortgage Company who lacked any banking information and reference number to this transaction. 
According to Financials prepared by XXXX XXXX XXXX XXXX, my home insurance due was {$600.00}. 
Please provide me the full corporate name and contact information for Third Party Payment Processing Services ; and which relationship it has to PennyMac and XXXX  XXXX XXXX XXXX  ( who is accepting my payments money from PennyMac, thus is responsible for all outgoing payments related to my escrow account ). 
Please explain how amount {$1000.00} was calculated if the due is {$600.00}. 
Please provide me the name and contact information for XXXX XXXX XXXX XXXX and PennyMacs accountants who authorized this payment. 
Please provide a receipt for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On my Equifax Credit Report, the account " XXXX XXXX Bank '' should totally be removed. It was already removed from XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021, a representative for Flagstar Bank was peering in my front window. I asked them what they were doing and they said delivering a message. Peering in my front window has nothing to do with delivering a message. 

This same message left on the doorknob has been delivered on numerous occasions. I am in forbearance on my mortgage and will resume payments on XX/XX/2021. Everything is in order on my online account. I have tried to reach out to Flagstar via the telephone number indicated on the message but am unable to get through with a maze of automated messaging and wait times. 

Flagstar is in violation of State of Maryland breach of privacy ( peeping-tom laws ) and at this point, trespassing.

Flagstar is hereby notified that they are not permitted on my property and action will be taken if they violate any and all of my rights.

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 2020-04-01
Company: Collins & Hilton Asset Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 I contacted Collins Asset Group LLC # XXXX, spoke with a XXXX, and was advised that the company no longer had my account in their possession or in the office, and that the account had been outsourced to another company. She refused to provide me with any account information in reference to anything I owe or how to remove reporting, but Collins Asset Group is the company reporting that I owe them funds. Disputed issue with XXXX XXXX online, Collins Asset group responded that information is accurate, so i contacted Collins Group on XX/XX/2020, spoke with a XXXX, and she confirmed the same information that it was outsourced but also could not inform me on my account information. She refused to dispute and advised that the outsourced company will be handling case and payment options, and once I resolve issue with them, they will contact XXXX to remove reporting. I explained my situation to XXXX and she agreed with me that if the account is no longer in their office and has been outsourced, the outsourced company should be reporting against me not Collins Asset Group LLC. I then contacted XXXX XXXX and spoke with XXXX who escalated issue by re-disputing error on my 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 2021-08-30
Company: First Technology Federal Credit Union
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a collection account on my credit report from the collection company XXXX XXXX which looked a bit odd to me because the balance is still being reported by the original creditor, First Tech CU and the reported dates weren't right. After disputing the collection account with the credit bureaus and they did not resolve my dispute, I wrote a letter to XXXX XXXX  to the address listed on my credit report and asked them to validate the debt that they are reporting and they did not respond to my request for validation. After checking my credit report I noticed they are still reporting this account even though they did not validate it. I sent them a follow up letter requesting they delete the account because they failed to validate it and they did not respond nor have they deleted the reporting. I researched this issue on your website and the FTC website and I found quite a bit of information regarding violations of the FCRA and the FDCPA and this company has committed multiple violations. They are listed below : 1. Failure to respond to debt validation 2. Still reporting to the bureaus within 30 days without validating I feel like I have done all I can do on my own and I really need your help. Maybe they will respond to you guys. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing XXXX XXXX. I am going to sue XXXX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED

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 2022-04-14
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was not aware of the XXXX XXXX that was placed on my credit report. 
XXXX XXXX {$410.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX Has been sending me collection notice in the amount of {$450.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company do not have a contract with my signature. What would be a fair solution for this issue?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a Judgment that shows as " Satisfied '' on my Credit Report, indicating Asset Acceptance as the Plaintiff. When I contacted the Courthouse ( XXXX County Minnesota ) they reported the judgment was " not satisfied '' or had " not received a " satisfied '' letter ; ultimately providing information to contact a local attorney who was listed on their end as XXXX XXXX ( XXXX ) who has yet to return my call. I later had to contact Asset Acceptance, whom when asked provided the original credit agency as XXXX XXXX and stated it was transferred to a " Law Firm ''. I was then informed that the judgement was not satisfied. Asset Acceptance reported that the information would be with the county courthouse. They could not verify the debt or reported " Judgment '' as they do not sue. Judgment was filed by Asset Acceptance and later in turn released to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX were unable to verify that I was served with judgment papers and could not tell me when I was allegedly served by XXXX County ( Minnesota ). No information identifying me being served or the nature as to any court documents have since been sent or presented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: TN
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:
My protection 's privileges have been penetrated and intruded by Equifax which is an immediate violation of federal law. Equifax reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MD
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:
There are still unauthorized inquiries on my consumer report. My consumer rights are constantly being violated by this company.

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 2020-05-06
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the 3 bankruptcies on my credit report several times. XXXX, XXXX  & Equifax keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including XXXX, XXXX, Equifax and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: GA
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:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My protection 's privileges have been penetrated and intruded by TransUnion which is an immediate violation of federal law. TransUnion reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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