BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX of XX/XX/XXXX i purchased a rainbow vaccum cleaner and was financed through XXXX XXXX. I was approved for a 3 month deferment on payments and signed the contract in my home on XX/XX/XXXX a payment to XXXX credit was withdrawn from my account. When i contacted the company and informed them of this they stated that they had received a verbal authorization for the terms of the contract from my husband approving the first payment. When i requested proof of this phone recording i was denied. I was also denied when i requested a refund of the funds they took from my account. I requested that the vaccum be picked up from my home. If the terms of the contract i agreed to would not be followed i did not wish to keep the item. I was told okay by one of their representatives and the call was ended. A month later i began receiving harassing phone calls from someone identifying themselves only as a representative of the department of collections. Only after repeated pressuring was i able to find out they were calling from castle credit. I was threatened with lawsuits and wage garnishments if i did not pay on the vacuum i informed the representative that i had spoken to someone else previously and requested the vacuum be picked up and returned i was informed that could not be done and i would have to pay or risk legal consequences and a negative mark on my credit report. I offered to return the vacuum at my own cost. I was again denied. I had to pay for a stop payment on my bank account as they told me they would continue to attempt to withdraw payments. I received multiple letters in the mail threatening me with legal action if i failed to pay. I would come home to messages on my answering machine even though i repeatedly requested they not contact me. Today after they have written the debt off on my credit report I received a call from them and they requested i verify my information with the last four of my social and my address i refused to give out this information and terminated the call. A minute later they called back again. Then they contacted my husbands employer and informed his employer they were calling in reference to the debt. I know they are allowed to contact people requesting information to reach us but they are not allowed to tell them its regarding a debt. 
I have had multiple friends inform me they were contacted and had messages left on their phone that castle credit was attempting to reach me regarding a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: WI
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:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XX/XX/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 2022-05-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Below is a list of unauthorized inquiries made on my credit file XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: GA
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:
I NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CONSUMER REPORT IMMEDIATELY.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The I am frustrated to see that the Experian and XXXX Credit Bureaus had done nothing to correct my Credit File despite the multiple written letters and complaints addressed to them. The Experian and XXXX Credit Bureaus ignored my written appeals and neglected to comply with the Fair Credit Reporting Act Section 605b. Once again, I was a victim of Identity theft and the accounts I am disputing were the results of such crime and I never received any benefits resulting from the theft of my identity. The last letter I sent to the Credit Bureaus was XX/XX/2022 appealing to them to remove the fraudulent items from my Credit File. Upon checking my updated Credit Report dated XX/XX/2022, the disputed accounts are still reporting. It has been drawn out into the open that the Credit Bureaus are not doing their job and became negligent of the Federal Law. I am tempted to take legal action against the Credit Reporting Agencies because of their laziness but I am giving Experian and XXXX Credit Bureaus to correct their wrong doing and completely eradicate the fraudulent items from my Credit File. The accounts : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date OpenedXXXX Balance : {$15000.00} ; and XXXX XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00} were incurred due to fraudulent activity and I am urging the Credit Bureaus to delete these accounts from reporting on my Credit report. If Experian and XXXX Credit Bureaus Fails me once more, it leaves me no choice to pursue legal action and sue the Credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, SOUTHWEST CREDIT SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Synovus Bank
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a secured credit card through First Progress to help rebuild my credit. I paid a XXXX. Dollar deposit that was supposed to be the actual credit limit of the card.After weeks of emails from this company telling me my card was on its way and emails saying I should have my card and wanting me to set up online payments for this card, I still had not received the actual card. When I contacted the company by email I was told it was on its way, there was a billing problem one time and an application delay the next time I finally contacted them by phone, the customer service person I spoke with didnt have a clue what was going on, so I asked for a supervisor, I was kept on hold for over 20 minutes and she promptly told me my application was denied and had been denied over a week prior, so when I asked about my deposit, she said they refund the deposit within 3 business days of the denial, I than asked well if it was denied over a week ago how come I havent received it back on to debit card? She then told me that I would be refunded the full amount by the end of that day. That was over a week ago, this feels like a scam and unfortunately I also sent these people a lot of personal information including a copy of my drivers license and bank statements, thats my biggest concern. I definitely should have done more research before I did this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have made several attempts to contact Mr Cooper regarding our now delinquent tax bill, which was due on XX/XX/2019. I will attached my statement from XXXX, which was my previous loan servicer, which shows that they indeed did not pay the tax bill out of our escrow account, and Mr. Cooper now has over {$3500.00} in escrow and should be paying this bill. Their records indicate that XXXX paid the tax bill. It is not paid. 

I have contacted them on several occasions by telephone and still have received no correspondence or action regarding the the above referenced tax bill. 
Here are the correspondence as follows : XX/XX/2019 at XXXX Phone Call This was our initial call in which we addressed the tax bill was not paid. We were told that they would be passing the information to the tax department for review, and they were going to contact the county and handle the payment. Then we would receive confirmation of that payment. 

XX/XX/XXXX Phone Call On the second attempt to contact Mr Cooper, we were told that the information was never sent to the tax department, and that the would now be sending the tax information, that someone would be contacting us regarding the tax bill. We never got any calls or correspondence back, and the tax bill was never paid. Their records indicated that the tax bill was paid by the loan servicer, my attached document is proof the previous loan servicer chase did not pay the tax bill through escrow. I asked for documentation that the information sent to the tax department called a XXXX be send to me. They refused to send this documentation to me. 

XX/XX/XXXX approx XXXX - Phone Call On my third attempt I asked that this be taken care of, and that the tax bill again would be paid. The person I spoke with one the phone told me she was accelerating the situation and that I should be getting a call back from a supervisor. After 24 hrs, I still have not gotten a call from a supervisor, or any calls back or confirmation that my tax bill has been paid, much less addressed. 

XX/XX/XXXX : XXXX - Faxed Letter and Tax Bill to Tax Department at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/XXXX, an erroneous property tax balance of {$520.00} was applied to my vehicle lease account with Toyota Financial Services. After several calls to have it corrected, it was not corrected ; and was reflected again on the final statement of the account on XX/XX/XXXX. On XX/XX/XXXX, I was advised by a representative to make an over-payment of the erroneous property tax balance of {$520.00}, which was made over the phone ; to avoid an inaccurate 30-day late payment flag on my credit report. Furthermore, I was informed I would receive a refund for the over-payment. 

I received a letter, dated XX/XX/XXXX, to remit payment of {$870.00} for property tax accrued based on Connecticuts Tax assessment date of XX/XX/XXXX. However, the balance of {$870.00} is based on the full year of XXXX, and needs to be adjusted to the pro-rated amount based on the plate cancellation date of XX/XX/XXXX ( The vehicle was sold on XX/XX/XXXX ). Connecticut property taxes are pro-rated by day, as confirmed by my local tax assessors office. 

In response to the letter, I certified mailed the required property tax adjustment documents to the return address of the " remit payment '' letter ; the vehicle purchase agreement, plate cancellation receipt, and the over-payment confirmation made on XX/XX/XXXX. In addition, I included the pro-rated calculation of the property taxes owed. Because the over-payment was more than the pro-rated amount owed, I am due a refund of {$110.00}. 

I recently received two additional letters dated XX/XX/XXXX, disregarding my letter and denying my over-payment stating " our records indicate we have not received payment from you. '' The erroneous property tax balance was never corrected, and I have still not received my refund for the difference between my over-payment and the pro-rated amount owed ; because Toyota Financial Services won't request the property tax adjustment from the local tax assessor, as required by them as the owner of the leased vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: WA
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:
I am a single mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that XXXX, Equifax, and XXXX investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of stress and anxiety and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on XXXX. The XXXX is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$360.00}

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 2022-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent out an FTC report on XX/XX/XXXX XXXX to XXXX, Equifax, and XXXX to remove inaccurate/ false inquiries. Equifax is working to remove the inquiries. However, XXXX and XXXX has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: MA
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:
EXPERIAN IS HARASSING ME. I AM RECEIVING DAILY EMAILS AND WRITTEN CORRESPONDENCE. PLEASE STOP HARASSING ME. 

ALSO, their investigation into the same 2 accounts has not lead them to make any changes. Experian has proof that an account they are reporting was sold to a collection agency, yet they are still reporting it under the original creditor. XXXX. I HAVE SENT PROOF TO CFPB and EXPERIAN of such information. EXPERIAN continues to investigating this account and not finding the new owners of the account, I called and was told this months ago. ONCE YOU SELL SOMETHING, YOU NO LONGER OWN IT. EXPERIAN REFUSES TO REMOVE THIS particular ACCOUNT BECAUSE THE NEW OWNER the collection agency, XXXX sold my account to and who has contacted me for payment is UNABLE TO REPORT IT. LOL! 

ACCEPTANCE NOW HAS AGREED TO REMOVE MY LATE PAYMENT. MY account should have never been reported late, it never was late, this was clearly an error and Experian will not remove it. I SENT DOCUMENTS VIA THEIR ONLINE DISPUTE page, after they told me I could not dispute the account again. WHY am I unable to dispute this account when I have information that the account is being removed. THEIR INVESTIGATION RESULTS CAME DAYS AFTER ACCEPTANCE NOW HAD EMAILED ME, THAT THEY WOULD REMOVE IT. IF EXPERIAN INVESTIGATED IT, HOW COME THEY WERE NOT AWARE IT WAS BEING REMOVED? 

I also can't call EXPERIAN, they have my SS # flagged, but they harass me, daily, in wriiten hard copy via USPS and electronic form. STOP SENDING ME THIS 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 2023-03-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation