BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
We have had 2 loans with XXXX XXXX XXXX - one secured by car, other unsecured. We fell behind on payments a few months ago following our daughter becoming a victim of violent crime. We have continued to make payments but can not get caught up from the one month late payment. All of our payments are going to interest only and the company refuses to help us make arrangements to get caught up. They keep threatening us with repossession of our vehicle but refuse to let us get back on track. They call my husbands cell and my cell constantly every day, from different numbers. Yesterday, the contacted my mother - who has no knowledge of this or connection to it. They pretended to be a legal service company, stating they were attempting to serve me with legal documents and that if they dont receive my signature by today, they will document my refusal to sign and the process will move forward without me. They told all of this to my mother who is not party to this debt. They are impersonating a legal entity and threatening legal actions to us and others about us. Yet, when we try to work out arrangements with them, they demand full payment of past due and currently due and still threaten repossession. We do not know what else to do. We have been frantically trying to resolve this issue but they continue to get more aggressive and threatening instead of helping. Weve even considered bankruptcy filing due to this situation. It is illegal to pretend to be a legal process server/threaten legal action/tell others about my debt or threaten them about my debt. This needs to be stopped. Note : my husband is the party on this loan. He is also the owner of the vehicle involved. Yet, one main is contacting myself and my mother repeatedly and sharing debt information and threatening legal action against my husband.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau TransUnion, XXXX  and XXXX for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX Bank. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.

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 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-04-05
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland credit is constantly calling me from spam numbers. There's no way I can call back because they use a spam number and when I try and call the number back it goes to someone's personal phone or a local business. when I do answer and I tell them to stop calling or ask who's calling they either get hostile or they hang up on me. They usually call form a number that is very close to my cell phone number usually a XXXX number. They never leave voicemails, they call multiple times an hour. I've repeatedly asked them to stop calling but whatever I do they hang up on me or get hostile. Calling from spammed numbers is illegal, so is calling multiple times an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
i am writing today in hopes that you can retract the 30 days late you have reported me at the end of my lease on XX/XX/2018. 
here is what happened i returned my viehcle to my dealer once i did that i had thought that there was no payment due so i didn't make any further payments. 
i dont think that i got any statements after i gave back my vehicle if you sent any because if i had received it it would have made my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CONVERGENT OUTSOURCING KEEPS CALLING MY CELL FOR XXXX XXXX XXXX, I HAVE RECORDINGS AND ALL RECORDS TO FILE SUIT.

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 2019-04-05
Company: F.H. Cann & Associates, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted required documents multiple times over the last year. Only in XXXX would they acknowledge receiving documents. Emailed documentation was bounced back with mailbox is full I explained this to customer service and was told we can still receive documents when that happens. I mailed and faxed documents which were never posted to my account. My loan status has not been updated to my credit report for months. FH Cann states it is the fault of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX states they are waiting for a green tag from FH Cann. This has been an ongoing problem and I am told each time I call wait a few more weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company sent me a threatening email on XX/XX/2019. The debt is over 5 yrs. old and quite frankly, I'm not even sure if I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: HI
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 call Experian, sent letterS, Dispute the account, have identity report. Ask for Mov.

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 2017-12-01
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
credit was run without my permission or consent XXXX XXXX, 2017

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 2019-04-05
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I filled bankruptcy about XX/XX/XXXX. Bankruptcy was discharged about XX/XX/XXXX. One account from XXXX XXXX XXXX XXXX had a reported date of XX/XX/XXXX at first ( i was under bankruptcy so therefore that should not happen ). Try to have it removed from credit reporting agencies with some success. Amounts owed changed but where incorrect. There 3 agencies and they each have different information. Why? XXXX seems to be the most accurate. At this time XXXX and equifax have accounts listed that where included in my bankruptcy. As I understand it those accounts should not be reporting 7 years from the date of filling ( XX/XX/XXXX ). My report should not even reflect nothing mentioning bankruptcy. Please educate me or ask those agencies to educate their selfs. Hold them responsible for information they spread that is illegally derogatory. Why do they just make more processes to be followed when it is actions they can take to ensure accuracy. They should not ask me to pay for a service to correct it. Sounds like extortion. Conflict of interest! Thank you for your service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company shares debt information to our bank for properties in which the bank had no interest, in effort to defame and or attack our character. We had attempted to set up payment agreement, with tax office which did not or was unwilling to make arrangements. We had paid XXXX on our debts. The bank was given personal debt and business debt information that was not related to them in any shape or form. 
The letter that was received by the bank also had a cc remark as to deceive the bank into thinking we received a copy of their letter, which was not.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Experian Information Solutions Inc.
State: MN
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 not requested a credit card since XXXX and I have never tried to get a credit card from XXXX ; XXXX ; XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX but they are on my credit report with multiple dates of request. 

Also, there are multiple dates in XXXX where XXXX, XXXX, and Experian did credit checks on me. For what I have no idea because I have not attempted or made any purchases that would require this type of check.

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 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-04-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was trying to transfer XXXX  American Express membership rewards points to XXXX account on XX/XX/2018 but it wouldn't allow me to complete the transfer, indicating " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
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 60 days past due on XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports 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 accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I've sent a XXXX payment transfer from my XXXX XXXX to Capital One 360 about a week ago and the money has not arrived in my capital one 360 account. I've received confirmation from both banks that the money has been sent and received but it's not showing up on my account. I've contacted XXXX XXXX and Capital One 360 numerous times and spoke to the representatives and the supervisors there but they are not willing to fix this issue and give me my money back. The money is lost somewhere and the banks can not find it. I've sent money from my XXXX XXXX to Capital one 360 before using the same method and I've had no problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried since last XXXX to cancel the subscription and EVERY time, no matter the time of day there is over a 2 hour wait, and this is not just me - the XXXX  has a 98 % negative reviews - and most have the same complaint. Phone is the only way to cancel and this practice is designed specifically to stop people cancelling. They should be prosecuted.

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 2019-04-05
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Problem with fraud alerts or security freezes

Complaint:
I was notified in early XX/XX/2018 that Firstmark Services, who was servicing my student loan that they had, without my consent, stopped my auto debit payments due to a hurricane relief initiative for my area ( North Carolina - we were hit by two hurricanes in 14 days ).

I notified them that I had no need to stop auto debit. Instead of turning it back on, they kept it off and now my credit score has dropped 140 points in the mean time before I could discover the error. I want those 140 points back - I did nothing to induce these changes and otherwise have impeccable credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit reports, I noticed an entry from AFNI collection agency, stating it was for the original creditor XXXX XXXX XXXX, in the amount of {$150.00}. I never received any correspondence from this company, and I do not owe any money to them, or the stated original creditor, XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they did not see any information on this matter. I then sent several letters to this company, AFNI, to the address listed on my credit reports, but have not received any reply from them at all. They have not even sent me any information about this alleged debt, yet they put it on my credit reports. This false information needs to be removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
A car loan with santander consumer that was closed 8 years ago says i had two late payments but they wouldn't tell me when or provide proof. they said i have to contact credit bureau to get XXXX fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Personal information incorrect

Complaint:
On XX/XX/2022 I sent in a letter to XXXX, XXXX, and Equifax. To have my information verified it has been 30 days with no comply they are not obeying the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Have Contacted the company to let them know the debt they assigned to me was an error on XX/XX/2019 and they let me know it was verified that the debt was mine i let them know it was an error and the debt was unverifiable and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On XXXX  I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all

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