BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Hello Sir or Madam, I was contacting you to get guidance on filing a complaint against One Main Financial, Owned by XXXX XXXX, account # XXXX. I have had an account with them for years and never had an issue until now. When issues with COVID first occurred I was having a hardship making payments in XXXX. I called Onemain XX/XX/XXXX to make arrangements and was told they have a program for covid that can help so I made arrangements to start my payments when I knew I would have money coming in to pay. I asked if I would be marked since I missed payments and I was told no due to the covid program. 

This year I ran my credit report and they marked 4 months late when I was told they would not. This has impacted my credit significantly causing issues for me now when starting my own business. I contacted one main and their credit dispute department told me to send them a letter and it would be corrected. I filed a dispute in XXXX and did not hear anything, filed again on XX/XX/XXXX, I followed their instructions and sent the letter and approximately 20 days later received a letter from one main stating that the records were correct that their Covid Program ended XXXX of XXXX which doesn't make sense when the shutdowns did not occur until after that time. I have requested the transcript for the call two times with no response from the company, and the representatives I have spoken with will not read me the notes from the day the payment arrangements were made only that they acknowledge the conversation that day. 

I requested the transcript from the recorded call that I had in XXXX which would show I was told there was a program and there would not be an issue as long as I made the promised payments which, I did. Since my last request in XXXX, they have not responded nor provided me the transcript for the original call in XX/XX/XXXX. I advised them in the last letter that if they did not provide the information I would be filing a complaint. 

This issue with one main has significantly impacted me credit-wise and I have resolved other issues I had during that same time. The impact on my credit puts me just below the range I need in order to get the loan I need to complete my construction for my business. 

Thank you for your time and consideration of this matter referenced Account XXXX Any assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've been aggressively contacted by XXXX XXXXXXXX insisting that I make payments to them for my Student Loans. I have advised that my loans were all Federal. 
They explained that they are requesting payments for my XXXX XXXX and that the original Servicer was my school, XXXX University. I never applied for direct loans with XXXX. XXXX 's XXXX XXXX team advised that I only had XXXX XXXX as my loan servicer. 
Most recently, I received an alarming letter stating that XXXX has " Accelerated '' my account and that the full {$17000.00} is due. It also notes that they are planning to send my account to collections to garnish my wages. 
I have already applied for the Borrowers Defense case against them, I would assume they should be able to collect anything while pending investigation and with the current Act in place. My case number from the Borrowers Defense case is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't know who this collection agency is or where did they acquire my information, hence I can not provide the last four digits of the account number. I never received notification of debt or a validation of debt per 15 U.S.C. 1692 ( G ). After I noticed the defamatory and derogatory mark on XXXX XXXX credit report I tried contacting them by phone to request an authenticated record per UCC 9-210, with no success. They have reported invalidated account information to the three main credit bureaus : XXXX, XXXX, and XXXX, without my written consent, per 15 U.S. Code 1611. This has been carried for over three years on the credit reports, hindering my right as a consumer and causing me distress on my day to day life. Its created a hostile martial environment as these diffamatory marks hurt my credit reputation. It is for this reason I am requesting AARON AGENCY off my credit report and I am seeking compensation per 15 U.S. Code 1611 ( 3 ) of {$5000.00}

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 2022-03-31
Company: Experian Information Solutions Inc.
State: PA
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:
Experian and XXXX have both invalidated information due to identity theft that they have claimed to have verified on my report. For Experian it is XXXX and for XXXX it is XXXX XXXX XXXX for a XXXX XXXX  I did not attend to. I submitted countless FTC reports which they have failed to respond or provide verification proof please see the document enclosed.

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 2017-10-27
Company: M&T BANK CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recieved a promotional " preapproved '' credit card notice on XX/XX/XXXX. Was declined on XX/XX/XXXX from M & T bank. The language in the application process when I entered in the promo code and supporting information stated that due to the preapproved status it would not be a hit on my credit report if I was declined. I asked the representative on XX/XX/XXXX at around XXXX XXXX after being declined if my credit would be hit she said basically it would but could not say if it would be a soft or hard inquiry. I went to look back at the language of the actual application stating my credit would not be impacted was locked out of the application since it was, completed and given the phone number I just called. I could not see if the terms and conditions were different from the advertising. I think someone should investigate the whole " preapproved '' credit card for existing customers process at M & T to see if they are giving misleading information or maybe blurring the lines to go under the radar of the FCRA. They may be ok here with their terms and conditions but I couldnt review them again due to being locked out of my application to doublecheck and the reps confusion to my request. Thats why I think its worth looking at their whole process to see if they are advertising their offer per the guidelines of the FCRA. Thank you for your time and attention.

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 2022-03-31
Company: EQUIFAX, INC.
State: PA
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:
XXXX and Equifax have both invalidated information due to identity theft that they have claimed to have verified on my report. For XXXX it is XXXX and for Equifax it is XXXX XXXX XXXX for a XXXX XXXX I did not attend to. I submitted countless FTC reports which they have failed to respond or provide verification proof please see the document enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE CONTACTED EQUIFAX VIA PHONE AND MAIL TO GET INCORRECT ITEM REMOVED FROM REPORT ITEM IS NOT MY DEBT PLEASE REMOVE XX/XX/XXXX XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
received a text about my membership being paid by my credit card at sam 's club. the charge was for membership, which i was going to do today, XX/XX/21, but was going to use my cash back as ive always done, i did not make or authorize this payment, i admit i got XXXX  on the phone with the rXXXX as he said he couldnt help, seems od to me as if the charge was illegal to me, why cant they remove it? 
sams club 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 monetary relief
Consumer complaint received 2017-10-27
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had a home loan with Freedom mortgage for about 10 years now and XXXX of this year I received a letter from XXXX County Auditors Office telling me that they were about to auction off one of my properties because of non-payment of properties taxes. I have three partials for my property. I asked witch one and they said the one that my house was on. I told them that I pay my mortgage company to pay my taxes from the escrow. I then called Freedom mortgage and had both Freedom mortgage and XXXX County Auditors Office on the phone at the same time. Come to find out that they have not paid taxes on that property in about 8 years. But I have had them for 10 years so how it fell off Freedom mortgage did not know. I now owe over {$13000.00} in back taxes and Freedom mortgage this month raised my monthly payment from {$1300.00} to {$3100.00} to cover back taxes. I called Freedom mortgage several times to get help and was told that if I didnt pay the {$3100.00} this month it will show on my credit report as nonpayment. I also explained what I found on the internet about ( RESPA ) but they didnt care to hear it! I cant make these payments so we are about to lose our home that just last month put {$15000.00} into a new roof, driveway and new kitchen. We need help PLEASE. My loan number is XXXX I live at XXXX XXXX XXXX XXXX Ohio XXXX. Can you help? My cell number is XXXX my email is XXXXXXXXXXXX

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi, My name is XXXX XXXX and transunion has violated FCRA laws and held negative reporting information that doesn't belong to me against me. They have also locked me out of seeing my credit report on their website in which it states that my credit report can not be accessed online and that I have to contact transunion. Why can't I access my report online as the answer to that is that they are hiding my report to conceal their illegal activities that they are reporting. Please see the enclosed 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 non-monetary relief
Consumer complaint received 2017-10-27
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2015 XXXX XXXX XXXX placed an account for the amount of {$5100.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CL Holdings LLC
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:
I contacted XXXX XXXX XXXX and they said they were sold the fraudulent account from XXXX in XXXX. I have n't had XXXX at all and the accounts they are speaking about were originally removed years ago due to ID theft with my social security #. When I got on the phone with them they tried to verify my SS # and it did not come up in their systems. They pulled me up by name but the social security number is n't mine. I called them at XXXX at XXXX and spoke to XXXX first and she transferred me to XXXX. XXXX was supposedly working in their fraud dept and helps people who are affected by ID theft. She said she was going to dispute the transactions but I still may need to pay them if they do n't come off. She said she could not give me any confirmation for the disputes. No letters, No numbers, or anything else. She said if the dispute goes through ill see it on my credit report. Basically it did n't sound like they really wanted to help me. They do n't have my correct personal information at all. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I can not link my PNC main checking account to my other bank checking accounts via XXXX or to make direct free money transfers between my own bank accounts any longer. I also can not link it to XXXX to pay my mom/sisters for minor small things for $ XXXX we are splitting for free any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2022 i checked my credit report and came to find out that someone used my personal and financial information to open 8 different types of accounts. These accounts were open by the thief that stole my identity a long time ago. i noticed so many incorrect information that did not pertain to me and that i never used before. Like my name that was changed and addresses that i never lived at before. Also the accounts that were not ever opened by me. I immediately filed a Police report with the XXXX police department and contacted the FEDERAL TRADE COMMISSION to file a police report as well as an IDENTITY THEFT REPORT. I then submitted my complaint to the credit bureaus and nothing was done with supporting documents. I never received any type of mail regarding the outcome so i decided to file a complaint in regards to my identity theft. I never opened these accounts listed in my Identity theft report in or around the opened dates. i sent them notarized documents to support my request.

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 2017-10-27
Company: Credit & Collection Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX placed an account for the amount of {$880.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Inquiries are reporting on my account incorrectly causing my score to drop tremendously. I'm in the process of home buying and this is causing issues please assist. I contacted each burea to dispute inquiries also sent dispute letters to have it removed from my 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 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX OFFERS FREE CREDIT SCORE MONITORING THROUGH TRANS UNION. 
SCORES XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 21 POINT DROP.. 
I USE ALL MY CREDIT CARDS EVERY MONTH, ALSO PAYING MY BALANCES OFF IN FULL EVERY MONTH. DEMONSTRATING RESPONSIBLE FINANCIAL BEHAVIOR. 

THERE REASONING FOR THE DROP IN HE SCORE. FROM TRASUNION FICO SCORES CONSIDER WHETHER A PERSONS CREDIT REPORT SHOWS RECENT BALANCES ON REVOLVING ACCOUNTS. YOUR FICO SCORE WAS IMPACTED BECAUSE YOU ARE NOT CURRENTLY DEMONSTRATING ACTIVE REVOLVING CREDIT MANAGEMENT. ( FALSE ) STATEMENT FROM TRANSUNION PEOPLE WHO SHOWS MODERATE AND CONSCIENTIOUS USE OF REVOLVING ACCOUNTS, SUCH AS HAVING LOW BALANCES ANY PAYING THEM ON TIME, GENERALLY DEMONSTRATE RESPONSIBLE FINANCIAL BEHAVIOR. PEOPLE WITH OUT RECENT REVOLVING CREDIT ACTIVITY TENDS TO BE VIEWED AS A HIGHER RISK BY LENDERS. 

XXXX XXXX XXXX XXXX NEEDS TO STOP PLAYING WITH IMPORTANT CONSUMERS INFORMATION THAT AFFECTS CONSUMERS DIRECTLY, AND SERIOUSLY YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 



.

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 2017-10-27
Company: IQOR US INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls on my cell and at work from different numbers from " Allied Interstate '' for debts I do not owe. Most of the time when I answer, no one is there. Other times, eventually a person with a foreign accent starts asking for me by my first name on a " personal matter. '' One time after repeated calls I said " she 's not here right now '' and they hung up. They call several times a day in the early morning, afternoon, and evening on both numbers. In fact, they just called my cell at XXXX ( as they do EVERYDAY ) and then my work number at XXXX. Sometimes it is from the XXXX number. Other times it is from another number XXXX or XXXX. Please make them stop! Most people on the complaint websites say they are for student loans. I do have student loans but I have been paying them every single month, early, for the last several years. I have excellent standing with them. Others I have paid off years ago.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
XX/XX/2019 I submitted a 609 dispute letter to the company and was sent back a bill this response did not provide me with the information I requested per my 609 dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor did I live at these addresses. I also did not authorize these companies to run my credit.

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 2020-01-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I have been have problems with this for about a year, Equifax has refused to take off, information on my credit file that doesn't belong to me first off, i have submitted several documents of my address, and they refuse update info. I have even submitted paperwork of Identity Theft, and again no update of my file. I'm trying to buy a home and this has really affected my ability the get the proper credit needed for that ...

Company response to consumer: Closed with non-monetary relief