BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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:
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. 
All companies listed below have violated my rights. 

Achieve XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX Bank - ACCT # : XXXX XXXX / Dept. of Ed - ACCT # : XXXX XXXXXXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX  - ACCT # : XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX - ACCT # : XXXX PLEASE SEE RESOLUTION BOX BELOW FOR LIST OF VIOLATED RIGHTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C Systems placed a collections and theres 0 information on it. There has to be an error.

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 2020-05-31
Company: Pluese, Becker & Saltzman, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We just recently found out that apparently the debt collector Plaintiff attorney law firm has been switched on XX/XX/XXXX and yet we received no notification from the Servicer,  the old law firm or the new law firm. 
The old law firm Pluese, Becker, Saltzman continued to correspond with us by phone and email thru XX/XX/XXXX even though they were no longer the law firm on the foreclosure complaint. They continued to give us false, incorrect and contradictory information. We only found out about this change when the Servicer XXXX Servicer charged our account over {$2000.00} for fees for the new law firm, who has done nothing on the case, that we are aware, of that our account wasnt already charged for the previous law firm. When we questioned XXXX, they had no answer of what the breakdown of fees was for and directed us to call the new law firm XXXX, XXXX XXXX XXXX. When our phone message was returned by law firm, they also had no idea what the fees were for, but had full knowledge of all the previous chain of events of the foreclosure complaint, which the law firm smugly and condescending tone talked down to us and went as far as to say to my that I am one of those guys and he knows my type. 
Im furious at the way I was treated by this law firm, as its my very first contact with them and ever and I was directed by the Servicer XXXX to contact them to get my questions answered regarding the $ 2000+ fees, which at this time present time today still has not been answered. 
Our complaint is against 1. the Servicer XXXX for the fees added to the account with no explanation and incorrect Reinstatement balance. 
2. Old law firm Firm Pluese Becker & Saltzman for continuing to contact us and give us incorrect information, when to best of our knowledge and according to new law firm was no longer the law firm on the foreclosure complaint case as of XX/XX/XXXX. 
3. New law firm XXXX, XXXX XXXX XXXX for their unprofessional, smug and condescending attitude while speaking with me for the very first time and not answering our questions regarding their law firms fees charged by the Servicer. Which as of today we still have not had answered by the law firm as they said would happen on our phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
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:
Creditor Onemain and or Onemain Financial keeps ongoing reporting on accounts included in Chapter XXXX Bankruptcy well after notice of CHAPTER XXXX BANKRUPTCY XXXX/XXXX/XXXX. They are adding fake accounts, altering account numbers, altering accout dates, reporting accounts late when they are not, altering payment history and reporting innaccurate, false, and erroneous account information as far as XXXX XXXX well past Bankruptcy notice date XXXX/XXXX/XXXX. I have had a couple of disputes with this company, so I sent them a letter to there credit file listed addresses within 30 days XXXX/XXXX/XXXX Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, IN XXXX and Onemain Financial and or Onemain XXXX XXXX XXXX XXXX, TX XXXX notifying them to correct all innaccurate, false, erroneous information contained within all my Credit files ( XXXX XXXX XXXX XXXX ) creditor has failed to fully comply. After notification XXXX/XXXX/XXXX the creditor ONEMAIN and or ONEMAIN FINANCIAL blantantly preceded to add multiple late payments about 12 to my XXXX profile up to XXXX XXXX, which are all false, erroneous, and inaccurate and need to be removed immediately they are well outside of Notice of Chapter XXXX XXXX/XXXX/XXXX. Creditor also changed contact address on XXXX file to Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, MD XXXX and has received a resubmission only of prior dispute at this newly added contact address sent XXXX/XXXX/XXXX and been informed they failed to correct all innaccurate, false, and erroneous Information from my ( XXXX XXXX XXXX XXXX ) credit files within 30 days. For further Information please refer to my CFPB complaint which will be uploaded with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I went into the Toyota dealership in XXXX, MS in XX/XX/XXXX, and purchased a XXXX XXXX XXXX, and initially, I bought the extended warranty on the vehicle. The extended warranty purchased totaled {$3800.00}. After thinking it over the following day, I told the finance manager that I did not want the extended warranty and to please remove it from my contract. I reached out multiple times and each time she told me the additional care ( {$3800.00} ) would be taken off the contract. Over the span of 6 months, I reached out and requested action on this issue because it wasn't showing up on Toyota Financial 's interface. On one occasion, I requested proof because I was starting to become skeptical of its existence, and like all the other times, I did not hear back about it. In XX/XX/XXXX, I sent one final message requesting action and she read the message but decided not to respond. Therefore, I found it reasonable to escalate it to her management team. Over the course of two weeks, I've called the general manager, general sales manager, sales manager, service manager,  and dealer principal. I did not hear back from any of them on the matter. I've been paying interest at 3.79 % for {$3800.00} ( amortized ) since XXXX of XXXX and the team, specifically the financial manager, have in my opinion unethically dodging action to their benefit trying to take advantage of a young servicemember because they don't think I can do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CIG FINANCIAL LLC
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 noticed that 10 accounts on my credit report that is currently in litigation that should not be showing on 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 2022-11-16
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: Account information incorrect

Complaint:
I send a reinvestigation letter to XXXX, Equifax, and XXXX XXXX XXXX  XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from Equifax, XXXX, and XXXX was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from Equifax and XXXX. XXXX did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
i sent a payment to you on the date i was supposed to send it. and the mail got lost somehow i am not sure how the mail got lost but i have proof of the money order i sent you as i am attaching it to this complaint i was i great costumer from Toyota i dont think that i deserve this 30 day late payment to ruin my credit for something that is a mail problem i spoke to one of your representatives and they told me that they would take care of it but it still shows up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid. After numerous attempts to dispute I had no choice but to pay this. Please remove from all 3 credit reporting agencies so that I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear sir or madam, My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX My account was permanently limited without reason or explanation. Only after I filed a complaint with the XXXX  did they give an explanation. But it is not satisfactory. All they say is that my activity is somehow " suspicious '' without explaining what this means, or why they feel this way. They said they will put a hold on my money for 180 days. At this time I have over {$600.00} in my account and it is a lot of money, and quite a hardship they are keeping it, during this pandemic. 


After 180 days have passed, Paypal did not return my money. They took my balance and deducted it to zero, so Paypal basically took my money without reason or explanation. I filed a complaint 180 days ago with the XXXX. I want my money NOW, and I don't want to hear any more excuses from Paypal. 


Please help me. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2018-05-07
Company: Dovenmuehle Mortgage, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. After repeated attempts via correspondence, phone calls, and a visit to the original " mortgage '' lender, I have not received a mortgage statement since XX/XX/XXXX. 

2. In viewing my mortgage " on line '', they use a term that is without explanation and for which I can not find an explanation, " advance reversal ''. I have a straight mortgage, not a " reverse mortgage ''.

3. In all correspondence with me, the company states, " we are reviewing your mortgage and will have an answer for you within 15 days, or what ever the law allows. '' 4. When I went in to the actual mortgage provider, under duress, that person called the servicing company, and the person she talked to stated that they would provide the mortgage statement for XX/XX/XXXX ( this was the end of XX/XX/XXXX ) within 3 business days. I still have nothing.

5. Then, I received a phone call from someone at the servicing company. I said : just send me an up to date mortgage statement with the coupon for XX/XX/XXXX. This was on XX/XX/XXXX and I had already made, and the payment had arrived, for XX/XX/XXXX. Last Friday, XX/XX/XXXX, I received yet another letter stating that they were looking in to the problem and that they would provide an answer within 15 days, or as long as the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian continue to report inaccurate and incomplete information on my credit file. I have reached out to Experian several times and sent in doucmentation proving the information being reported is incorrect however it still appears on my credit file. I have also tried to call and explain this dispute and currently a incorrect public record still appears hurting my credit tremendously.

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 2017-09-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Repeated phone calls at odd hours of day and night from XXXX XXXX, also served me with lawsuit for debt I do n't recognize. They call from multiple phone numbers including : 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 2019-03-27
Company: EQUIFAX, INC.
State: AL
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:
Equifax continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. My payment date was changed with XXXX in XX/XX/2016, but Equifax never updated the payment date on their side to reflect the new payment date. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
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 have sent multiple disputes to transunion credit bureau and I have heard nothing from them, I have attached multiple documents to help with investigation and multiple times my investigation has come back verified as 100 % correct. Per the fcra transunion should be doing 100 % check on items I am reporting as incorrect. documents attached is evidence.

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 2019-06-01
Company: CL Holdings LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have been fighting this charge since XXXX of XXXX on XXXX I sent another letter to the original debt company asking to verify that this is mine. They keep selling to different collection agencies saying failure to pay every month so they can keep this updated on my account ( they are re aging my account every month ) and they are failing to verify this collection. the fact of matter is my last payment last payment to the ORIGINAL creditor was paid XX/XX/XXXX. I was told this is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion has blocked every attempt at me disputing my credit. Everytime I try online, no one answers. I sent a dispute through the mail and they never responded. I am told to call and ech time I call, I am put on hold for hours. I sent a letter requesting to see the original contracts from the credit to get more information and received nothing. There are accounts that are on my credit report that never went into bankruptcy. There are collections for accounts that were included in bankruptcy. There are accounts listed that were never mine. There are addresses that I never used. There are inquiries that I never authorized. Each time I send the documentation from my bankruptcy and list of creditors, the only thing removed are the collections which end up being put back on after a few months. 
I was in foster care as a child and my information has crossed many hands. I'm trying to narrow down who could possibly be obtaining and trying to obtain credit in my name. Transunion has made it impossible. It has taken a serious toll on my life. I need help getting ensuring that these matters are resolved. The credit collections agencies will not answer my questions because I don't have the information used to verify the accounts because they were opened fraudulently.

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 2020-05-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We just recently found out that apparently the debt collector Plaintiff attorney law firm has been switched on XX/XX/XXXX and yet we received no notification from the Servicer,  the old law firm or the new law firm. 
The old law firm XXXX, XXXX, XXXX continued to correspond with us by phone and email thru XX/XX/XXXX even though they were no longer the law firm on the foreclosure complaint. They continued to give us false, incorrect and contradictory information. We only found out about this change when the Servicer Rushmore Servicer charged our account over {$1500.00} for fees for the new law firm, who has done nothing on the case, that we are aware, of that our account wasnt already charged for the previous law firm. When we questioned Rushmore, they had no answer of what the breakdown of fees was for and directed us to call the new law firm XXXX, XXXX XXXX XXXX. When our phone message was returned by law firm, they also had no idea what the fees were for, but had full knowledge of all the previous chain of events of the foreclosure complaint, which the law firm smugly and condescending tone talked down to us and went as far as to say to my that I am one of those guys and he knows my type. 
Im furious at the way I was treated by this law firm, as its my very first contact with them and ever and I was directed by the Servicer Rushmore to contact them to get my questions answered regarding the $ XXXX fees, which at this time present time today still has not been answered. 
Our complaint is against 1. the Servicer Rushmore for the fees added to the account with no explanation and incorrect Reinstatement balance. 
2. Old law firm XXXX XXXX XXXX XXXX XXXX for continuing to contact us and give us incorrect information, when to best of our knowledge and according to new law firm was no longer the law firm on the foreclosure complaint case as of XX/XX/XXXX. 
3. New law firm XXXX, XXXX XXXX XXXX for their unprofessional, smug and condescending attitude while speaking with me for the very first time and not answering our questions regarding their law firms fees charged by the Servicer. Which as of today we still have not had answered by the law firm as they said would happen on our phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: AES/PHEAA
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:
These fed loan srv accounts are reported inaccurately. The late remarks started 120 days right after good payments.

Company response to consumer: Closed with explanation