BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: EOS Holdings, Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
The company is EOS CCA. I originally disputed an account for XXXX XXXX and it was removed from my credit correctly. EOS bought up the account in XXXX, XXXX. 

Ive never heard of them, Ive never received a phone call, Ive never received a letter, statement or anything from this company. My address was on mail forwarding so there is no way they couldnt have gotten a letter to me. I was never given the chance to dispute this before it was added to my credit in XX/XX/XXXX 

Ive attempted to call them but theyre either closed or never answer their phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Information belongs to someone else

Complaint:
The information in the attachments with no Creditors how can I legally pay for something or be obligated when I don't know who it is!? 
FRCA violations : see below and attachments :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an XXXX XXXX XXXX account card that went past due, and was closed. I was called by a XXXX XXXX representative over the phone, and was told to enroll in a series of payments that would bring my debt down to XXXX in 6 months. He gave me the payment schedule, and the amounts that would make this happen. I agreed and verbally authorized the payments from my account. I recently checked my account, and my payments have posted 6 days early, yet I am being charged late fees which will prevent me from paying the account down on the promised timeline. I called the bank, they refused to refund the late fees, and I was told that no matter what payment plan they had set up, I would still have to pay the fees until the amount was paid in full. I was then told that despite what plan I may have set up, it would not satisfy a " third party '' collection agency. So, that means that they 're still collecting on debt they 've already sold, or I 'm paying two different people for the same debt. I was unable to get a straight answer from anyone at the organization, and this feels fishy in my gut. Something is n't right.

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 monetary relief
Consumer complaint received 2023-01-03
Company: Bread Financial Holdings, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I've contacted these people seven different times concerning my money thats due to me totalling {$280.00} since XXXX XXXX, XXXX  and all I've recieved is one excuse after another. I don't owe them anything and they're paid in full! 

My last call was on XX/XX/XXXX with XXXX only to recieve more excuses and that she doesn't know why Bread XXXX hasn't returned me back my money when they were over paid. This is a on going problem with this company. I make my payments on time or before time never being late and want allow anyone to tallkes whats mines!!!!!! 

Bread XXXX wants their money on time or your charged a later fee. 
I want mines also with interest and will be asking the court just for that, if this matter isn't resolved! 
These people think they can talk to you any kind of way and when you give them back what they give you. They play crazy with a lies. 



This is fraud and my next step will be small claims court.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07
Company: Monterey Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
MONTEREY COLLECTIONS - This Company has been informed via the major credit reporting agencies that this is a debt not owed as it is absorbed in a chaper XXXX bankruptcy of 2015. The debt was obtained prior to the XX/XX/2015 bankruptcy which automatically includes it in the bankruptcy. 

It has also not been verified through the dispute processes of the cra 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: CO
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:
A credit card account was opened on XX/XX/2019. {$210.00} is up for collection and I'm not aware of this account. I didn't open it. I have disputed it but it still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: MO
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 identity has been compromised and accounts has been opened and closed in my name, awhile ago this has been reported to all the credit reporting agencies and yet to be resolved as of this writing. Therefore, I'm demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX {$860.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX {$1000.00}

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 explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$30000.00}, XXXX XXXX Balance : {$16000.00}, XXXX XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$11000.00}

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 2021-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian is reporting a fraudulent XXXX Account that do not belong to me. XX/XX/2019 date open {$7400.00}

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 explanation
Consumer complaint received 2018-09-17
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18 I received notice from my credit monitoring services that a collection was placed on my credit reports, which significantly dropped my credit scores. I called Waypoint on XX/XX/18 which their office was closed. I called back onXX/XX/18 st XXXX EST and spoke with XXXX XXXX concetning removing the debt off my credit reports because I never received a letter nor a phone call. She informed me that she couldn't remove the item unless I started the dispute process. I told her this debt was already satisfied with another collection agency who had already removed it from my credit reports. I again asked that this account be removed from my credit report because I wasn't given proper notice and that I had the documentation to prove that I didnt owe it. I asked for an email address to send in my documentation, which she did provide ; however, she still stated she couldn't remove the collection. I stated again that I never received notice and that it should be removed because that is the law! On XX/XX/18 I have emailed my receipt document to Waypoint and I'm awaiting their reply to my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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
Consumer complaint received 2020-01-23
Company: Thrive National Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I ordered some supplements from XXXX. Upon receiving the products it was discovered that I was allergic to some of the ingredients in the product. I sent an email as well as called the company and informed them that I needed to return the product. I obtained a RMA # and sent the items back. After not receiving the refund I was due I contacted them several times and inquired about the status of the refund. I was told that the refund would be given as the product had been received. I did not get a refund so approximately a month later I filed a dispute with my credit card company. My credit card company then notified me that XXXX had not responded so I was given the refund back to my card. In XX/XX/XXXX ( 2 years later ) I received a call and a letter from a collection agency trying to collect on the charge back amount. I responded within the required time frame and received another email on XX/XX/XXXX stating that XXXX is now claiming they never received the product back. I thereby went onto my XXXX account and looked at the history and it shows my order was canceled and that no other orders were mailed out. XXXX has no right to try to collect on a debt not owed to them. I returned any product ever sent to me and have not made any other orders since. XXXX is threatening collection and negative credit reporting in the use of their vendor they are using as a collection agent. They have failed to provide any proof of an order coming to me and also have failed to document the numerous calls I made them asking about the refund status. They also failed to respond within the 60 days required when my bank originally reached out to them when I filed the dispute. XXXX should be barred from collecting on the debt as they failed to respond in the 60 days originally and for two years never communicated with me directly. For them to hire a vendor who is attempting to collect a debt not owed to them is in violation of FDCPA, UDAAP and Reg E.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-22
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hunter Warfield keep calling my phone and ask me to call back, can you please stop them.

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 2021-01-29
Company: Global Trust Management LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debit collector was very rude and tried to put some pressure to pay the debt by saying he will move forward to sue me or file a lawsuit against me when all I ask was how I would know if he is scam or real debit collector. And refused to provide any proof as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: DC
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that Credit Bureaus must look into this matter as required to do so under the FCRA. If CREDIT BUREAUS do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please fix these Accounts from my report : XXXX  XXXX XXXX Balance Owed : {$1.00}, XXXX XXXX  XXXX XXXX Balance Owed : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of 2020 I preemptively contacted my loan company ( Toyota Financial Services ) in an attempt to take advantage of an extension program they had in place to deal with income loss due to COVID-19. This was not something ( according to their website ) that you needed to be approved for. As stated I submitted the form for the extension in XXXX for the XXXX statement period. They responded with an automated message of receipt of the form. When the XXXX payment came they did not contact me and I made the payment that month anyway but it was late as I knew it would be since my wife 's income was no longer available due to her loss of work. Everything should have been in order, as it was from my end. I only recently learned that they had reported this to the credit agencies and negatively impacted my credit. I have an elderly veteran father who is in need of different living arrangements so my wife and I are looking for a mortgage for a home that will accommodate the three of us as best as possible. This is a matter of personal health. Now it is going to be very difficult because of Toyota 's actions. I contacted them twice to resolve this issue. During the most recent conversation with their representative they stated they have all these records stored and therefore they could see that they did receive the form for extension and that it was marked as resolved and never processed. No attempt was made to contact me indicating the extension had not been processed and I was penalized. It also stated that the previous representative had not processed my claim about them retracting their report to the credit agencies. The letter I received in the mail after the final conversation was simply Toyota informing me they were within their rights and that they stand by their decision. They are now putting my fathers health in jeopardy as our current living situation is not conducive to his needs. I have done all I can and hope that with a little extra help they can be convinced to admit their fault and retract all negative reports. The situation they have placed me in is currently holding me back from properly applying for a mortgage that can allow me to provide for my familys needs during these hard times. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I noticed a transaction on my XXXX account that I never authorized nor stayed at the hotel as indicated in the reservation. I contacted my bank ( TD Bank ) who has started an investigation of this transaction. I contacted the XXXX Fraud Department. My phone call was never returned. Please reference XXXX confirmation number XXXX Also reference XXXX itinerary number XXXX. 

I also contacted the hotel in question. The manager at this hotel was not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Rocky Mountain Recovery Group
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is from years ago, when I really need the money. It was only about XXXX dollars. Now they want to settle with over XXXX dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-29
Company: Trident Asset Management, L.L.C.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Trident Asset has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XX/XX/XXXX XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information XXXX XXXX XXXX XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Experian Information Solutions Inc.
State: CA
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 have a loan opened in my name that I did not open. I am assuming my identity was stolen. The collection date is XX/XX/2019 2019

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 2017-09-25
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm pursuing a loan modification, submitting all information that is required when I receive a letter stating that a foreclosure date of XXXX XXXX, XXXX had been set. I did n't understand because I was told that my file was complete and was under review. How can a foreclosure date be set when my case is still under review. It seems like dual tracking is taking place. I 've done everything they 've asked and I just want an opportunity to save my children 's and my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: CA
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 car broke down so yesterday XX/XX/20 I went to the XXXX dealership and they ran my credit to see if I qualified for the auto loan but I was told I was not approved because of three accounts reflecting badly on my credit history. I looked through my credit report myself to see what accounts they were talking and I realized none of those accounts are mine. I never opened them and I didn't give anyone permission to open them in my name. The accounts are from XXXX XXXX, XXXX XXXX XXXX XXXX & US Bankruptcy Court-XXXX XXXX. I am not responsible for any of these accounts nor do I have any type of written/verbal contract with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit.

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