BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am a customer of Toyota Financial and currently have a loan opened in XX/XX/XXXX. I work for XXXX XXXX and the company is going under payroll changes to accommodate an integration between the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and those current changes are directly affecting my financial situation. 
On XX/XX/XXXX I received a letter from XXXX XXXX advising that due to the transition process, the XX/XX/XXXX paycheck would be affected and not paid to it's employees and the company offered an optional " bridge loan '', which would cover 25 hours of pay and repayment would start on our paycheck for XX/XX/XXXX for every pay cycle in ten installments, which on my case, I am paid on the XXXX and XXXX of each month and those twice a month repayments affected me directly for five months. That impacted my entire household financial responsibilities, including my car payments with Toyota Financial, and I started to accrue high late fees. 
On XXXX XXXX I received a second letter from XXXX informing that due to more changes on their payroll system, I will receive one less paycheck in XX/XX/XXXX, a total of 23 instead of 24 paychecks. 
As of today ( XX/XX/XXXX ), I have accrued {$190.00} in late fees with XXXX XXXX due to the changes on my payroll and current financial situation directly affected by my employment. I am also 3-days behind on my payments since XX/XX/XXXX. 
I contacted Toyota Financial Services on XX/XX/XXXX and requested an payment extension on my loan to help me to catch up with my payments while I am still dealing with my company 's payroll changes and gaps on pay, and spoke with XXXX, who introduced herself as a supervisor. I explained my unique situation and asked if I could get an extension on my loan and she simply told me that extension was not possible due to a past extension. 
I am sending this request to the CFPB to request some assistance on dealing with Toyota Financial Services to ask for a review on my current payment situation and a possible loan extension, since Toyota Financial Services is not reviewing my account and request based on my individual situation. I am including copies of all documentation for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
PAYPAL is charging 49 % interest per month because I can not afford to pay entire amount on a monthly basis. I pay XXXX, they put towards my loan XXXX dollars this month of XXXX. I have been paying 49 % interest for about the last two years, I now owe aprox XXXX down from XXXX in 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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-05-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  National Credit Systems  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a XXXX balance on a XXXX XXXX / XXXX card. Called to cancel asked the lady on the phone to cancel the account no less than XXXX times. At the end of the call she said it was closed and I hung up. Now on my credit report it shows I owe {$230.00} due to there exorbitant fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2017-05-16
Company: Diversified Consultants, 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:
I have contacted this company on SEVERAL occasions to fix this issue, but I am always either ignored or sent paperwork that has nothing to do with solving my issue directly with this company. They are reporting a collection that is not my account on my credit file. They never contacted me to tell me they were putting this on my report, which according to the FCRA they are supposed to do so within 5 days. Also, they have absolutely NO documentation that this account is mine. I have a very common name, but that 's no excuse for attempting to ruin my credit reputation with potential lenders. I have never had  XXXX , and while communicating with diversified consultants, they 're telling me to discuss this issue with the other company. Well, the other company is not reporting false and illegal information on my report. THEY ARE! I have asked for verification on several occasions, and all that I 'm sent is someone 's bill. I have sent documentation of the phone service that I 've had for 10 years with no gaps in time whatsoever to prove this account is not mine. They were asked to verify this debt by the proper FCRA guidelines, including but not limited to, color photo copies of my signature, license, contract, etc, NONE of which has been provided. This is my LEGAL RIGHT to have this information they claim to have, yet I 've been ignored for months, which obviously means they do not have said information because IT DOESNT EXIST! How can it be justified to attempt to ruin my credit reputation without justification or legal documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collection company keeps calling me about a contract that does not exist between myself and them. Want debt removed from credit report and calls to stop. These people are not the original holder in do course. That debt was charged off via their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
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: Investigation took more than 30 days

Complaint:
I have been a victim of identity theft, and someone used my information to obtain a Loan through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because   XXXX   XXXX   XXXX  , and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It has been more than 30 days and still no resolution on my issue.

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 2019-08-10
Company: Experian Information Solutions Inc.
State: NY
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:
Identity theft victim

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 2023-03-06
Company: TRUIST FINANCIAL CORPORATION
State: IL
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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-12-08
Company: EQUIFAX, INC.
State: CT
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 am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I entered a consumer credit transaction with the following companies : XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA.

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 
In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: The CMI Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I cancelled my subscription with XXXX in XXXX of 2023, returned all equipment in XXXX of 2023. I had a remaining balance of {$510.00}. 
I made monthly payment of {$50.00} in XXXX {$25.00} May- {$25.00} XXXX. 
XXXX of 2023 XXXX sent my account to collections. I called XXXX and advised them since I was making monthly payments this account shouldn't be placed in collection or reporting to my credit report. I was advised- Since the account was already sent to collection there was nothing that could be done until I pay the account in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from  XXXX   XXXX   XXXX . to  Dovenmuehle Mor tgage  XXXX   Inc.  on   XXXX   XXXX   XXXX  . My homeowners insurance compan y (   XXXX   XXXX   XXXX    ) has been invoicing them to pay my insurance renewal premium, whic h they failed to do for 4 months, and my insurance was cancelled effective  XX/XX/XXXX . I had to find alternate homeowners insurance because  XXXX   XXXX   XXXX  would not issue me another policy because I had gone without coverage for over 45 days. I was finally able to find another insur ance carrier, and  they have also issued invoices to  Dovenmuehle si nce   XXXX   and to date  Dovenmuehle has not pa id for the new insurance either. I am now going on mont h 5 with no  homeowners insurance, despite an over-abundance of funds in my escrow account. In addition, they are sending letters warning us that they will take out their own insurance on our property, all while refusing to pay the invoices they have been receiving since  XXXX . I need assistance immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Freedom Mortgage Company
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in reference to Freedom Mortgages policy on holding checks cut for an insurance claim. I have a roof replacement claim through my insurance company. They approved the work and drafted a check however their policy is to include the mortgage company on any checks over {$7500.00}. Freedom has created a policy by which they hold the funds sent by the insurance company and will not distribute the funds until me, the customer provides them with a bunch of documents. Once those documents are received then Freedom will distribute a portion of the funds. A part of the delay is due to this department using an incorrect email to commute with me, therefore I was unaware that they wanted more documents. I only learned this through my own follow-up. No communication of contact from Freedom during this process. Final funds are not distributed until Freedom inspects that the work has been completed. My complaint is that Freedom only has a vested interest in the property and those funds are not theirs to hold. I get that Freedom is concerned that the work is done as again they have a vested interest however their process creates more delays and in fact caused more damage to the property, they have a vested interest in. How can it be legal for Freedom to hold and distribute funds that is not theirs? How can Freedom create a policy to hold funds that is not theirs? This feels unethical and even worse unlawful. Additionally, I have requested manager calls to which I have received none. Today I spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX all who just kept apologizing for their policy.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: NY
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 been fighting with the credit bureaus for several years now about a XXXX XXXX account that was not mine nor did I authorize. It was initially removed from my credit file and then several months later put back on my credit file without proper notification from the credit bureaus with several late payments reported. During the time of my disputing the fraudulent account, I did receive a letter from XXXX XXXX in response to one of my correspondences showing a payment history. I continued to try to get the issue resolved with XXXX XXXX but with no success. I was then faced with a decision to either pay the unauthorized account to stop the late payments or, let the late payments continue to be reported and ultimately have the credit account report as a charge-off doing further damage to my credit. In an effort to salvage my credit, I chose to pay the credit card off to stop the negative reporting. I explained this to XXXX XXXX and I also sent in a fraud affidavit which was also sent to the credit bureaus but to no avail. However, I noticed that there were discrepancies between what the payment history showed in the letter sent by XXXX XXXX and what the bureaus were reporting. XXXX and XXXX have since corrected their error and deleted the fraudulent account but Experian is still reporting it as accurate and verified. Not only are they reporting an account I stated was fraudulent, but they also continue to report a payment history that is different from what the creditor sent me. Lastly, when I decided to pay off the account, I wrote a check out to XXXX XXXX with the stipulation of Paid as Agreed/Never Late. Their acceptance and cashing of the check make it a bound contract. I sent a letter to Experian explaining this along with the canceled check and they still are reporting the erroneous information.

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 2019-04-23
Company: EQUIFAX, INC.
State: CA
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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account numbers XXXX. ( Please see pages 14 and 15 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account. I believe my identity has been stolen and information has been used to obtain a loan with Speedy Cash. Company name : Speedy Cash Amount : {$750.00} Date : XX/XX/2021 Account # : XXXX Reference # : XXXX I reached out to Speedy Cash and they gave me the information to a third-party debt collector. I obtained all information from XXXX XXXX XXXX ( XXXX ) about the account.

Company response to consumer: Closed with explanation