BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is regarding Franklin Collection Service , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MS XXXX : XXXX Toll-Free : XXXX Client Services : XXXX Disputes : XXXX One Date : XX/XX/XXXX I sent an email to FRANKLIN COLLECTION SV at XXXX to address my concerns. The email read " I spoke with XXXX ext XXXX and he advised me to email you all that this debt is nonexistent and I do not owe your company or XXXX XXXX XXXX. I called XXXX XXXX XXXX and spoke with a rep who informed me that I did not owe XXXX XXXX XXXX  anything. All accounts in my social were paid in full as of XX/XX/XXXX. That means your company is reporting inaccurate and misleading information on my credit report which caused my credit score to go down. Im in the middle of purchasing a house. That is an FDCPA violation and I will be filing a complaint. Please remove this account off of my credit report as soon as possible. If its not removed within the next 7 days I will move forward with an attorney '' Today is XX/XX/XXXX and the company has yet to remove this debt from my credit report. Instead, they have updated XXXX  and XXXX to say paid as if I paid the collection company themselves. I have never done business with this company and have written several letters asking for validation and verification that 1. I owe this company and 2. that I have ever done business with them. On XXXX, the collection is reporting unpaid so the information between the 3 bureaus is not even the same. This company is causing me a major financial hardship for I am trying to close on my home and can not due to the negative, inaccurate and misleading information they are reporting. I want the information removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Problem with personal statement of dispute

Complaint:
I have an auto loan with Toyota Financials since XX/XX/XXXX. In XX/XX/XXXX, they reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late. As the result of that reporting, my credit score took a significant hit and disrupted my house refinancing. I have never been late with any payment, Toyota included. My XXXX and XX/XX/XXXX Toyota payments were deferred, so, after the deferment period ended in XXXX, I contacted the Toyota financials to made the payments for those deferred months and also to bring my account status from deferment to current. The Toyota financials representative assured me that everything is paid and my account is current. But, in XX/XX/XXXX, they reported me to credit bureaus for 30 days late for XXXX payment, which it supposed to be paid during my phone call with the Toyota Financials representative. I called Toyota Financials and I was told that they never took the XXXX payment and it was too late to withdrew the credit reporting. 
Toyota Financials representative assured me during my previous phone call that everything is up to current, then how could I be late for their XXXX payment. Also, all my Toyota payments were autopaid. My XXXX and XXXX payment were paid without problems, how did they just missed the XXXX payment? 
I contacted Toyota Financials and they refused to correct or withdrew their reporting. That is the reason I am filing this complain against Toyota Financials today. I have NEVER been late on any payments in my life. This time is certainly not my wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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 am a victim of an identity theft, someone stole my information and opened a fraudulent account under my name. I have tried to fix this issue with the bureaus, I have tried to fix this issue directly with XXXX XXXX but no one seems to care. I have gone to the police and to the federal trade commission. At this point I am loosing my mind because i don't know who else to go to to get this fraudulent account from my credit report. Someone stole my information and opened this fraudulent account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I can not reach ANYONE at 5th third bank. No ability to go online to even register without a " Pin Number '' which I do not have. I am not receiving any monthly statements on my HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

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 2020-09-22
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was Working for XXXX XXXX XXXX in XXXX Tx as a XXXX XXXX, Was injured several ( 3 ) times and sent to XXXX XXXX XXXX XXXX Tx under XXXX XXXX. the XXXX XXXX that reads the xrays ( XXXX XXXX XXXX ) has sent the charges to collections. Instead of the Insurance carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-03-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We opened up a 5/3 business checking account based on a {$500.00} bonus offer. This was a targeted offer that was mailed to us. The offer code is XXXX XXXX XXXX XXXX XXXX. We opened the account at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - ( XXXX ) XXXX. The account was opened up by XXXX ( who helped us open the account ) along with the branch manager XXXX. We have met all the terms of the offer, but the bank has yet to make good on their deposit. We have spoken to both XXXX and XXXX multiple multiple times, and they have agreed that we have met all the terms of the offer. They have escalated this issue to Corporate for resolution, yet they have indicated they have had no response to their request from Corporate. It has been almost 5 months since we opened this account, over 3 months longer than was required for the bonus offer to be deposited to our account. I spoke to XXXX again this morning, and she indicated that she is again escalating this issue, but I'm filing this complaint because this is a branch manager of 5/3 who can't get a response from the very bank she works for on a resolution to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-30
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom It May Concern : My name is XXXX XXXX and I am disputing the balance on my account. Please see the following bank transaction history attached, which includes 10 pages. Please see the first payment made on XX/XX/XXXX ; it was made at the dealership for {$690.00}. I took possession of the vehicle on XX/XX/XXXX. The month of XX/XX/XXXX in the amount XXXX and XX/XX/XXXX in the amount of XXXX dollars payments was made. Then on XX/XX/XXXX, another payment was made for {$750.00}. Now lets move now to XX/XX/XXXX, Two payments was made on XX/XX/XXXX for {$720.00} and another payment on XX/XX/XXXX for the month of XXXX ; XXXX ( Advance Payment ) of XXXX. So basically I am one month ahead. Now lets look at XX/XX/XXXX payment for XX/XX/XXXX, again Im ahead by one month. Then on the month of XXXX, XXXX another payment for XXXX ( Again advance payment for XX/XX/XXXX ). Then again in XX/XX/XXXX payment made for XX/XX/XXXX. ( Again advance payment for XXXX, XXXX ). On XX/XX/XXXX another payment made in amount of XXXX. ( Again advance payment for XX/XX/XXXX ). Basically you should get the picture by now. Then in the month of XX/XX/XXXX another payment XXXX was made for XX/XX/XXXX. Since I was ahead by one month XX/XX/XXXX was the only month I didnt make a payment because I was ahead by one month. On XX/XX/XXXX payment made XXXX for the month of XXXX. Now Im not ahead. Then XX/XX/XXXX payment made XXXX for the month of XXXX, XXXX. Then on XX/XX/XXXX another payment was made {$770.00}. Now on the month XX/XX/XXXX a payment of {$1400.00}, which covered the month of XXXX and XX/XX/XXXX. Furthermore on XX/XX/XXXX a payment was made in the amount of {$1400.00}, which covers the month of XX/XX/XXXX and XX/XX/XXXX. ( After this payment Im behind a month in XXXX ). Finally on XX/XX/XXXX ; I made a payment in the amount of {$2100.00} ; which should have covered the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I am still seeing a balance for this month of XX/XX/XXXX, which should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to file a complaint regarding unauthorized entries on my credit report. Specifically, I have found thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my report and I did not authorize these companies to access my credit information. 

I have not had any business dealings with these companies and I am concerned that these entries XXXX be the result of identity theft or other fraudulent activity. I request that you immediately remove these unauthorized entries 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 non-monetary relief
Consumer complaint received 2019-03-14
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/2019 I got a notification from XXXX XXXX saying I had a hard inquiry pulled from Synchrony Bank ( Syncb/Lowes ) The date that it was actually pulled was XX/XX/2019. 

XXXX/XXXX/2019 Contacted XXXX XXXX, they tell me to get in touch with Synchrony Bank. The bank tells me to contact Lowes. I can not get a straight answer from anyone.

I did not authorize this hard inquiry as I don't even have a Lowes in my town. Please help me with this matter.

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 2018-09-27
Company: EQUIFAX, INC.
State: MI
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:
Greetings I have initiated multiple disputes with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my EQUIFAX credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2018-04-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account.

Retain the origin

al Consumer Account Number. Retain the original Date Opened of the first disbursem
ent.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that XXXX XXXX XXXX And Equifax are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: Bread Financial Holdings, 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 paid off my credit card with comenity bank in 2018. Soon afterwards I noticed they had pulled a hard inquiry on me and soon after this I noticed they lowered my spending amount on the card. I never consented to the hard inquiry. I called XXXX  and followed the process by calling the company to resolve the issue. They denied they hand pulled a hard inquiry and did nothing to resolve the issue, however my credit report shows otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  ( XXXX XXXX XXXX ) # XXXX, XXXX. XXXX XXXX ( XXXX XXXX ) # XXXX, XXXX FCU # XXXX, XXXX FCU # XXXX XXXX, XXXX XXXX FCU # XXXX, FiXXXX XXXX XXXX XXXX XXXX  FCU Credit Card ) # XXXX, XXXX Bank XXXX # XXXX, XXXX XXXX # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So, I don't get no billing statement in the mail, not a call from the original creditor or the so called debt collector Allied Interstate. 

I discontinued XXXX XXXX roughly two years ago, all equipment was sent back and received by XXXX XXXX. I was simply told that all my fees where paid in full and that I had XXXX  balance, I was even told that I wouldn't receive a bill because it was not necessary because of no balance being due.

Well Well, 2yrs passes by with no correspondence between myself and XXXX XXXX, No Statements, No Nothing. But then I get a credit monitoring alert, this alert tells me that instead of these two clown companies doing the right thing and contacting me first, they decided to attack my credit reports which is unfair and anti business like as well. 

I dont owe a balance to XXXX at all when I spoke with them last.

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 2022-10-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I are behind of payments, and we try to pay split but the mortgage company is not accepting split payments anymore because there is XXXX behind payments that we couldn't pay. this situation is happening because we got covid and both of us couldn't work. so right now we own {$15000.00} dollars to the mortgage company, we needs some help because we can lose our home, and we don't want that happen. we didn't know about this federal application that the government could help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Dyck-O'Neal, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dyck-O'Neal, Inc. - XXXX This number has called since XX/XX/XXXX sometimes calling multiple times a day. The number left to call is XXXX, which is not the number listed on their website. The message left is always - We have important message from Dyck-O'Neal , Inc . This is a call from a debt collector. Please call XXXX.

Company response to consumer: Closed with explanation