BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: MNE Services, Inc
State: VT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following is what I have been sent. I never took out this loan. I have told them this numerous times, to no avail. 

Loan Account Number : XXXX Amount Due : {$1200.00} Court action will be the consequence of your ignoring this letter Dear XXXX, We would like to inform you that we are sending this e-mail as notification regarding your payday loan account with United Cash Loans. We have tried everything to contact you, through the mail and phone calls but failed to get any response from your side. 

If full payment is not received by XX/XX/XXXX court action will be taken against you. If you allow this to happen you will incur court costs and you may forfeit your credit status because your name will be recorded by the major credit bureaus. This may hamper your credit rating. 

You are also being charged debt recovery costs and statutory the interest of 15 % above the reference rate ( fixed for the six month period within which date the invoices became overdue ) pursuant to the late payment legislation. 
To stop this from happening please pay in full now or contact us to put forward your proposals. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX United Cash Loans XXXX XXXX United Cash Loans | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Untimely response
Consumer complaint received 2019-02-27
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint against XXXX XXXX XXXX aka Transworld Systems Inc, in XXXX for harassment and threats when they were dealing with my husband 's Military Star account. They answered the complaint and said that they received the cease and desist call request but DID NOT address the harassment or threats.They did state that the accounts listed would be placed in a manger 's queue. At the time there were 2 accounts. There has been little to no communication with them since this complaint was filed. 
His payments were deducted from his military retirement pay and tax garnishments. Mine were made through tax garnishments as well. 
Both XXXX cards are now paid in full as of XX/XX/XXXX, but I also had a XXXX  XXXX  XXXX card, which had been current before the garnishment, but is now included in the garnishment, without any other resolution or communication having been attempted by them. I even had to contact XXXX to handle a small remaining balance on my husband 's account that would have been left over due to the garnishment allotment being stopped by XXXX, since I could not get any assistance from TSI. XXXX wound up taking it off his account. 
We did start receiving bills from XXXX collection aka TSI in XXXX but due to the communication block on the part of Transworld, I was not able to make any payment arrangements on my XXXX XXXX XXXX card, in order to avoid another garnishment. I have made several attempts to talk to someone from the company over the years, with the most recent being XX/XX/XXXX, to XXXX XXXX. My calls were not returned, nor has anyone ever sent information about garnishing my current years tax return for the XXXX XXXX XXXX payment but Treasury offset has a pending collection from XXXX. I have contacted XXXX and asked them for help with this matter but they refer me to TSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: MD
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:
Both my wife and I are on the Equifax " MyEquifax '' accounts. I was bumped off of the paid " Equifax '' account and when asked about it was told that the " Equifax '' accounts are no longer available to the public, they are now being used by businesses. But when going to Equifax.com we can see that there is still consumer access to the regular " Equifax '' account. And we also see that there is a " Family Equifax '' account that's fee based. We've been restricted from choosen the Regular and family Equifax accounts. And also find it very strange when talking to an Equifax agent where the story is usually very different from one to the other. But for sure this has been a problem for months now, much like us being able to go to " XXXX '' and download a credit report. It has been well over a year that I have not been able to download a free credit report that The FTC said should not be the case. 

Also, on our MyEquifax account, the Report reads as such : AS OF : XX/XX/2021 but the reported data is dated as : XX/XX/2021 - which means we only have access to outdated material. Or the account is not being updated to reflect what is being shown in our present reporting ... which has been something that we've not been privileged to for the longest. I'm told to open a separate report on not being able to download a free report from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2018-12-07
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX, a process server arrived at my home. I was not at home, but the process server advised my spouse that we had a court date of XX/XX/XXXX, and that the case was in regards to XXXX. Myy wife informedme of the incident, and after some research, I was able to locate the debt collection agency, XXXX XXXX XXXX , XXXX   based out of XXXX XXXX, MN ( hereafter referred to as XXXX ). I then contacted XXXX, and inquired as to when the debt validation letter had been sent. I was placed on hold for two minutes, and after being taken off hold, I was informed that the lawsuit was in the process of being dismissed, and that they were preparing a debt validation letter, and were willing to make a payment arrangement. 
My complain is that the agency in question initiated a lawsuit without properly notifying me of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have faithfully made my payments on my Best Buy credit card for many years. In XXXX 2017 I started using a new checking account. The payment went through, the new checking account was selected for all future payments. XXXX XXXX, 2017 I logged on and saw my payment was scheduled for the correct account. Now on XXXX XXXX, 2017 I logged in to find my account is past due. Somehow they decided to charge the old checking account they had on file, which I closed in XX/XX/XXXX, and they 're charging me fees and raising my payment citing the late payment as the reason. This is the second time I 've had an issue with my account. The first time they switched my information, ( eg : name, address, credit card number ) with someone else that I 've never heard of and it took two hours to fix it. Now between my fiance and myself we 've spent an hour on the phone and with Citibank online fighting because they want to charge us fees for a late payment when it was not our fault. I 've never been late with my payments on my Best Buy credit card and they argued with us. This practice needs to be fixed, after a quick search online I 'm not the only one that 's had to deal with this through Citibank. We were left talking in circles with reps. At one point the reps said they could fix the fee 's if we paid the {$58.00} that was due. I felt like I was being extorted because my payment would n't be that high if they did n't charge the wrong account. The rep had the audacity to act like they were doing me a favor that way. It 's absolutely ridiculous to treat people like this over and over again and I 'm wondering how many people they 've done this to that do n't know they have recourse.

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 2023-07-17
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian Report number, XXXX I have asked Experian multiple times to verify their methods of how they verified my accounts and every time they send me a letter that they have verified the accounts. 
I have asked specific questions of whom did they speak with? When did they call and whom supplied the information along with other questions to verify that they are actually verifying these accounts. 
For over 60 days they have not responded to my request to supply the information. Now I am no longer confident that Experian is legally verifying my accounts.

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 2017-09-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX : called Toyota to do a voluntary repossession since I could no longer make payments due to losing my job. They had the repo man to set up and time and place that afternoon to meet to pick up the vehicle. When he picked it up he just asked for the keys and that 's all. 

XX/XX/XXXX : they posted on my credit report stating I owed them {$14000.00}. I never received anything by mail what they would do with the vehicle once it 's gone, if I wanted to purchase the car back and when the vehicle sold what the deficiency amount would be after telling me where/when the auction would take place. 

XX/XX/XXXX : I called Toyota to get my account number and the customer service lady did not even know that the vehicle had been repossessed or I owed anything, I was trying to figure out why I never received any correspondence from Toyota and still have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TransUnion, XXXX and XXXX are showing inaccurate information on my credit file a XXXX XXXX auto loan, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action

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 2018-12-07
Company: EQUIFAX, INC.
State: TX
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:
Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to XXXX/Equifax and XXXX. I asked XXXX/Equifax and XXXX  to investigate. They still keep show 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$160.00} on XX/XX/XXXX to Synchrony Car Credit and they have not applied this payment to my outstanding balance. On XX/XX/XXXX they sent me a statement stating what proof they need. After sending them a letter from my bank they informed me it could not be in the form of an email ... I must fax this information. I did so again making me and my bank jump through hoops. I called them 7 hours after I faxed the documents they requested and they told me it would take up to 14 days to review. My outstanding balance is {$250.00} due on XX/XX/XXXX, so after they apply my missing payment of {$160.00} my balance would be less than {$90.00}. I fell they are dragging this information so they can collect more interest rate.

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 2019-02-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Experian, XXXX and XXXX concerning a collection account they are reporting under XXXX XXXX XXXX {$570.00} ( world XXXX XXXX-XXXX XXXX ) This account is not verifiable and inaccurate and should be removed. 

I have enclosed a letter by the original debtor sent through CFPB showing proof of documents they sent stating the debt amount is not valid- XXXX XXXX XXXX was purchased by XXXX and here is their notice sent to me. 

I would like this removed and deleted as they clearly show that the amount listed {$570.00} is not accurate and this is fraud by Experian and XXXX XXXX by reporting this other wise with out any documentation

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 2023-06-19
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I seen on the internet yesterday that i may be receiving a settlement from Wells Fargo due to my hardship refinance that i had. I was refinanced by Wells Fargo back around 2015. They told me back then that if I made on time payments for 5 years that my house note would go down XXXX a month. They told me that it was to pay for lawyer fees for other refinance fees. I was just wondering if this had had anything to do with the Wells Fargo settlement. I really don't know if anything is owed to me as I know my insurance has went up over the years so my escrow account could have taken some of this amount.

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 2020-11-24
Company: EQUIFAX, INC.
State: IL
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:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
my wife spoke with XXXX back in XXXX regarding a collection account that was on my credit report I didnt know I owed a balance and that I had an account in collections as I never had anything sent to me. we were told that in XXXX of XXXX and XXXX of XXXX there was a notice sent out to me letting me know the account was in collections. I asked to verify the address that the mail was sent to and both letters went to the rental property not my home address I was told that I would need to send a email over to XXXX whom is XXXX XXXX 's supervisor and that I needed to explain to him I never got the notice because it went to the wrong address so I was not able to dispute the collection and it was added to my credit report. I sent him an email and I have not heard back as of today.

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 2020-07-09
Company: Automated Collection Services, Inc.
State: SC
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 owned a home in XXXX, XXXX, I had moved to XXXX, when I received a water/sewer bill from XXXX XXXX/XXXX  for {$780.00}, Normally my bill was approximately {$150.00} to {$200.00} dollars. I contacted XXXX XXXX/XXXX  due to a water leak while the home was vacant for several months. I had the water line replaced on or about XX/XX/XXXX. XXXX XXXX, told me that they would investigate and correct my high utility bill. I was waiting for a corrected bill. Which I was never contacted or received any correspondence from XXXX XXXX. I called XXXX XXXX told me they turned it over to collection and they would do nothing. I checked my credit report on or about XX/XX/XXXX and on my credit report I found out it was turned over to Automated Collections on XX/XX/XXXX as a collection account. I contacted Automated Collections at XXXX XXXX XXXX, XXXX, XXXX  XXXX about why the collection account. Automated Collections told me if I paid the bill they would remove it from my credit report. On XX/XX/XXXX, I paid the {$780.00} to them. However, it was not removed from my credit report. I called Automated Collections as to why it was on credit report and they told me they would not remove it " good luck ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: PA
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 recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B This is a fraudulent account on my report. 

XXXX. XXXX XXXX XXXX {$16000.00}

Company response to consumer: Closed with explanation