BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: ONEMAIN FINANCE CORPORATION
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Due to the Coronavirus, I have not been able to stay on top of all my bills. I make sure that my mortgage and utilities are paid, that is a given. But for a company called One-Main Financial has been harassing me on my debt which I have been paying at a very high interest. I agreed to pay 70 % of the payment last month and then this month they wanted the whole thing, which I was unable to do. I gave them again 70 % of the payment and they will not quit calling me to question on why I am not paying. What I get is " You said you would pay the full amount on the XXXX of this month, last month '' I said yes, until the virus caused a shut down on everyone and now we are all unemployed '' She went on to say " You said you would pay on the XXXX!!! '' I told her that I couldn't and would try on the XXXX. I also told her how rude she was being and I was tired of her calling and harassing me during this time. Today is the XXXX and I did not have enough for the full payment of {$540.00}. But I paid {$270.00} again. They are now blowing up my phone again. I am at least making an attempt and since they are not making their interest that is 25 % I assume this is why they are freaking out and harassing me. 

What rights do we have at this time during this epidemic? I live in Washington State. Not sure if laws are different regarding creditors collecting per state. I would have this conversation with One-main myself, but the female I seem to always gets is extremely rude and speaks to me as if trying to intimidate and or try and scare me to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
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:
Consider this as a follow-up to my complaint last XXXXyou are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., Please block these items that resulted in alleged identity theft : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-10-06
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a letter last week about a checking account being charged for inactivity for months. I had no idea I even had this account with KeyBank, as I closed out all of my accounts there months ago. I went into the bank to investigate, as I have had many online account opened not by me at this bank previously. The branch member told me he would investigate and get back to me. A couple days later he contacted me saying he could n't find any info about it. I informed him that I received a bank statement for this account. He looked it up and informed me it was opened online out of a branch in XXXX XXXX and told me the name of the person. I do not know this person. He told me he would further investigate. I did not hear back from him so I tried to contact the Fraud Department, which Customer Service after 25 minutes would not transfer me to. The branch member contacted me and stated I needed to come in and file paperwork with him directly. He would try to get the maintenance fees and inactivity fees refunded and then close the account and give me the balance, but only once it is confirmed by the fraud department. I have taken multiple vacation days to deal with these issues. I now may be out {$580.00}, and still nothing is settled. I had asked them months ago to put in place no online accounts be allowed to ever be opened, but it seems that did not stick. They keep insisting I must have identity theft, but as I had to purchase XXXX because of this, no other activity has ever been found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX XXXX {$1400.00} XXXX   XXXX XXXX {$0.00} XXXX   XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2022-04-05
Company: Self Financial Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this company just put a deerrogatory on my credit report and this debt was paid directly to hospital over 9 months ago. i am enclosing a copy of the online receipt for this account.

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 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to XXXX and Transunion XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.

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 2017-10-04
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I received Orders for XXXX XXXX in XXXX XXXX, and I requested the interest rate to be lowered. I mailed in my request and Orders. I XXXX XXXX XXXX. I never received the decrease in my interest rate. I followed up every month about the Interest and I was told it was being processed. After returning from my XXXX in XXXX XXXX, I was told by Flagship Credit Acceptance I could not receive Servicemembers Civil Relief Act. I was XXXX for a year and it caused significant financial issues the fact I was told it was processing but the interest rate was never reduced. I kept receiving the run around and was treated unfairly.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: GA
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:
Creditor : XXXX XXXX Account No : XXXX According to the CARES Act, XXXX Bank has violated my rights by reporting payments in XXXX 2020 as late on my consumer credit reports. The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. In XX/XX/2020 there was a Covid forbearance in place however XXXX Bank continued to report my payments as late which is a violation of the CARES act.

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 2020-10-08
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX PLEASE LOOK AT THE IDENTITY THEFT AFFIDAVIT ATTACHED****I recently spoke with a representative by the name of XXXX XXXX with EXPERIAN CONSUMER AFFAIRS DEPARTMENT. I EXPLAINED TO MR. XXXX THAT TWO ACCOUNTS BY THE NAME OF XXXX AND XXXX XXXX  BOTH WERE OPENED earlier this year fraudulently without my knowledge or consent. I informed Mr. XXXX these accounts have both been removed from my XXXX  and XXXX  credit reports and asked what is EXPERIAN DOING DIFFERENT TO NOT REMOVE THESE ACCOUNTS AFTER RECEIVING BOTH AN IDENTITY THEFT AFFIDAVIT AND POLICE REPORT. MR XXXX STATED THAT HE COULD NOT EXPLAIN WHY XXXX  OR XXXX  HAS DELETED THESE ACCOUNTS AND THAT ALL BUREAUS ARE SUPPOSED TO USE THE FAIR CREDIT REPORTING ACT GUIDELINES FOR VERIFICATION. MR. XXXX STATED THAT BOTH MY POLICE REPORT AND FTC REPORT DID NOT APPEAR OR LOOK TO BE VALID. I ASKED MR XXXX WHAT HE MEANT BY THAT COMMENT AND HE STATED HE COULD NOT GO INTO ANY DETAILS WHICH DIDN'T MAKE ANY SENSE TO ME. I FEEL EXPERIAN & MR XXXX ARE BEING DISCRIMINATORY AT THIS POINT BY ACCUSING ME OF SUBMITTING FALSE DOCUMENTS WITHOUT HAVING ANY PROOF. I EXPLAINED TO MR. XXXX IT IS IMPOSSIBLE TO COMPLETE AN IDENTITY THEFT AFFIDAVIT WITH INCOMPLETE INFORMATION. ALL AREAS OF THE AFFIDAVIT ARE NOT REQUIRED TO FILL OUT TO COMPLETE SUBMISSION SUCH AS EMAIL ADDRESS & ETC. I ASKED MR XXXX WHAT IS IT THE CREDITORS ARE SENDING EXPERIAN FOR THEM TO VERIFY THESE FRAUDULENT ACCOUNTS BELONG TO ME AND HE STATED THEY DO NOT PROVIDE ANY PERSONAL INFORMATION OR PHYSICAL DOCUMENTATION. I THEN EXPLAINED TO MR. XXXX THEREFORE ANYONE OR INDIVIDUALS WITH MY PERSONAL INFORMATION COULD EASILY OPEN OR ESTABLISH ACCOUNTS IN MY NAME AND IMPERSONATE ME. EXPERIAN CONTINUES VIOLATE MY CONSUMER RIGHTS BY REPORTING THESE FRAUDULENT ACCOUNTS TO MY CREDIT FILE. BOTH OF THESE ACCOUNTS SHOULD HAVE BEEN BLOCKED IN ACCORDANCE TO THE FCRA SECTION 605B. I FIND THIS TOTALLY UNCACCEPTABLE AND IS A BIASED DECISION ON THERE BEHALF. EXPERIAN HAS PROVIDED NO PROOF OF 100 % ACCURATE VERIFIACTION OF THESE ACCOUNTS AND HAS VIOLATED MY RIGHTS BY FALSELY ACCUSING ME OF SOMETHING I HAVEN'T DONE.

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 2020-04-24
Company: Experian Information Solutions Inc.
State: AR
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$1300.00}

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX  XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$1300.00}

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 2019-06-11
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Commonwealth Financial sent a letter stated i owe {$820.00} i have a letter from commonwealth from XX/XX/2018 stated this is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Student Loan Financial Assistance
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The company claims to be the student loan assistance center or some lie. They are NOT the federal government who I have my loans with, yet they make false claims about helping borrowers for a fee. I have requested not to be contacted by them but they continue to call. I tried calling back to obtain their company information, but their employee, XXXX, hung up on me when I asked for their address. They hang up when asked for information and they continue to place unwanted calls to my cellular phone. The CFPB needs to shut this criminal organization down, they are attempting to prey on people who took out student loans by making false claims and even using President Trump 's name in their false claims. They call from phone # XXXX. The phone # they want people to call them back at is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac is taking too long to send me the balance of my escrow account. I paid off my loan on XX/XX/2019, and they still not have issued a check to me. The customer service representatives have not been helpful. I paid off other loans I had with a servicer called XXXX   XXXX XXXX, and they sent my escrow refund five business days after payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I contacted The Bureaus Inc. to pay off the {$560.00} debt that was claimed on my credit report. I was given the runaround by their automated system, and was forwarded to XXXX XXXX XXXX. So XXXX XXXX XXXX did not have any details about my account and I was told to call The Bureaus Inc. back with a blocked number, by dialing XXXX first then their number. Well, I called The Bureaus Inc. with a blocked number, this time, and got to them at last. But, The Bureaus Inc. told me that they don't own this debt any more and that the XXXX XXXX  owns this debt, and so there is no way for them to accept a payment from me. Ok, so I filed a dispute on XXXX to get them off my credit report. The dispute was rejected because The Bureaus Inc. somehow proved that they own this debt. So, I called XXXX and told them this story. I was advised by XXXX to escalate this issue with FTC. I hope you can help me out. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
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:
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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-11-30
Company: Medical Data Systems, Inc.
State: SC
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:
On XX/XX/2021 Medical Data Systems INC. added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the XXXX Medical Data Systems INC. has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed several times with XXXX/XXXX and Transunion and they are refusing to do their jobs. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

I have attached the letter that was previously mailed to all bureaus 5 times ... I want these deleted today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1973 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 2019-07-02
Company: Benjamin Chaise & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello, I had requested that this collection firm to please cease and desist any and all communication with me, as well as my company, its employees, telephone reception, family and friends, in relation to their alleged debts they I owed. 

I had wrote them a letter to document a period of verbal telephone and email harassment we have received from this collection agency during a period of time from the past one ( 1 ) month. 

Such conduct has caused us to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. This included telephone calls using verbal threats and abusive language. 

I had an agreement with the collection company client company XXXX XXXX directly dated XX/XX/2018 and I had adhered to all of our payment obligations. Service Failures have resulted in reduced payment in accordance with our contract. 

Total dispute amount was {$3000.00} for cleaning services not provided to my personal private property Please help and advise. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation