BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was living in an apartment complex called XXXX XXXX. I had been there 3 years when I began having trouble with an upstairs neighbor. I have XXXX and she was barbequing frequently in front of my apartment patio. This was in violation of complex policy which required 10 feet away from the building. i could not confront her about this because she was hostile to any complaints made about her by any of the other residents. Complaints to management went poorly as management changes personnel about every two or three month. I would file a complaint, they would tell her to stop and a week later she was doing it again. Then a friend of hers starting parking his car outside my apartment at night and turn his radio up full blast ; turn on his high beam to flood my bedroom. Wait for me to get up and then drive away. I complained about this too and told them It was effecting my health severely. Again, no further action was taken by the management. Then she got into an argument with an elderly neighbor across from her. The next day that woman was found dead. Then she beat up her son in front of my apartment and I called the police on her. Then she had XXXX XXXX and management treated her unit but not anyone else 's. I was forced to treat my own unit at my own expense. When I informed them I could not live under these conditions they did nothing to work with me about resolving the problem.. It seems since she was a XXXX XXXX resident and I was not ; she had preference to stay there. I oved out owing 3 months rent on my lease. Since then I have filed disputes with them and with the collection agency ; which is not in my state of Missouri. I find now, that that agency, I Q Data International in XXXX Washington is adding interest charges to this account. It was originally {$1000.00} but is up to {$1300.00} in the space of two months. This has ruined my credit score more then XXXX points. I feel the apartment failed to honor the contract long before I did. And they waited three years to turn it in to collections. The management company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TOYOTA MOTOR CREDIT CORPORATION
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 status incorrect

Complaint:
Toyota is reporting my account as past due when its not Adding more late payments even though I pay monthly XXXX verified the information as correct but its not true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX. The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate information.

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 2019-09-09
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing was transferred from XXXX to Mr. Cooper. It was supposed to be effective XX/XX/2019. There is a regular payment and two additional principal payments I made to XXXX  that were not reflected in the balance Mr. Cooper stated I owed. Specifically, the balance XXXX  says was transferred was {$460000.00} and the balance Mr. Cooper said I owed in the first statement received from them was {$470000.00}. The balance of {$470000.00} was the principal balance of my loan with XXXX   after I made the regular payment to XXXX  on XX/XX/2019. I made an additional principal payment on XX/XX/2019 of {$310.00} to XXXX. I also made another regular payment to XXXX of {$2200.00} along with an additional principal payment to XXXX  of {$310.00} on XX/XX/2019. The amount of {$2900.00} is essentially missing. I have sent a detailed letter to both companies and had numerous phone calls with both companies. Both companies deny any error. This entire issue appears to possibly be caused by Mr. Cooper 's records reflecting my loan was transferred to Mr. Cooper on XX/XX/2019 instead of XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and my place of employment were directly affected by Covid during XXXX, XXXX, & XXXX of 2020. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.

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 2021-11-07
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early XXXX I called XXXX because I wanted to close my account and unlock my and my husband 's phones so they could be used with our new carrier.

I spoke to several agents online, and they informed me that there was a {$480.00} balance that had to be paid first before they unlocked our phones. I paid the balance right then, as I was talking to them in an online chat, and they confirmed my account was now {$0.00} and that it would take 24 hours to unlock our phones and they would be unlocked and ready to use with a new SIM card the next day.

I SPECIFICALLY verified with them that both my and my husband 's phones would be unlocked and ready to go, and someone claiming to be a supervisor confirmed.

The next day, neither phone was unlocked, so I engaged with them again. This time they SPECIFICALLY confirmed that my account balance was {$0.00} and that my account was canceled. This was in chat, so they should have a transcript. They apologized profusely, and since I needed my phone for work, they this time successfully unlocked it.

The problem was that they did not unlock my husband 's phone, even though I specifically asked whether the account was closed for both phones and so I had to engage with them again. Their representative confirmed that everything should be XXXX XXXX and closed and was finally able to unlock my husband 's phone.

At no point did they inform me in any way that there may be an additional balance.

Then they started harassing me via email. Then they had a collection agency engage with me. I explained the situation and sent them a full write-up. A little while later, they sent me a letter claiming they examined the situation and determined that I still owed XXXX money. No transparency, no anything. I have no idea what they based this decision on. 

Then they started negatively impacting my otherwise stellar credit score, and when I filed a complaint, they claimed they sent the case back to XXXX . 

Now a company named RPM is basically blackmailing me. If I give them roughly {$160.00}, they will stop the harassment and the collection. I have already paid XXXX almost {$500.00} to stop their service, and I shouldnt have to pay a collection agency any extortion money.

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 2022-05-02
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 and my place of employment were directly affected by Covid during XXXX XXXX & XXXX XXXX XXXX. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX is reporting my account as past due when its not Adding more late payments even though I pay monthly Experian verified the information as correct but its not true

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 2021-12-09
Company: EQUIFAX, INC.
State: NY
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate information.

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 2021-11-07
Company: EQUIFAX, INC.
State: WA
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:
*THIS IS NOT A DUPLICATE* I am submitting more documents refelcting my monthly payment amounts that Equifax and XXXX is showing over {$40000.00} per month required payment which his an error. Please correct to agreed amount as per FCRA. 

I am NOT required to pay over {$40000.00} per month I am including PROOF of payments plus documents of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am paying this debt to XXXX XXXX XXXX. This debt is 7 years old but is about paid off. Over the past two years I have gotten harrasing phone calls from other agencies, with threats of harm jail etc. The robo calls are getting on my last nerve, to the point I have had to change my phone numbers. How this all started was in XXXX XXXX XXXX had purchased the Pay pal smart connect debt, in XXXX I believe it was I get a call from XXXX  XXXX XXXX XXXX   who has gone out of business. 

I never got a dunn letter but paid the bill every month from {$540.00} down to {$63.00}. When XXXX went belly up XXXX told me to pay XXXX XXXX only, which I have and after what I sent them today am down to {$53.00} When you type in the phone number in XXXX that called me recently that wont stop it shows scam plain as day, a guy there said that back in XXXX I was taken advantage of and that I should not be paying this bill at all, so now I am confused, as of now XXXX and XXXX do own the account, and I have not missed any payments which I can prove. Another company that called and threatned me was XXXX  XXXX XXXX XXXX XXXX, when I emailed them they told me they would continue to persue even after I sent proof I was paying another agency. Anyway I am at my whitts end, and I really need your help the attorney general in Iowa is trying to help me to the best of his abilities, but I need your help also, please make these awful people go away. 

Am I doing the right thing by paying XXXX for XXXX since XXXX purchased the debt or have I been had? I do not know what to do but continue to pay Atlantic but I want the others to leave me alone. I think XXXX XXXX  sold my debt to other agencies but can not prove it. Please help me. The number that has been calling me lately with robo is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had service with XXXX XXXX  XXXX, I turned in all equipment and cancelled, but during that time XXXX XXXX   switched to XXXX. I never received any other communication either from XXXX XXXX  or XXXX. 

I noticed a new collection on my credit report from a company named Waypoint Resource Group, I contacted them via USPS in 2 different times asking for an itemize statement of bill they are collecting but never received a response. 

I disputed the account to the credit bureaus since I have not received any initial notice or bill from this collection agency or XXXX XXXX, they " verified '' the account but that do not make sense since the collection agency do not response the mail. I don't know what is the reason of this bill. I want to know what they are collecting and why XXXX XXXX  never contacted me before they sent the bill to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ) and my privacy has been breached. I do not validate the alleged debt from MONARCH RECOVERY MANAGEMENT , INC . MONARCH RECOVERY MANAGEMENT, INC has violated my federally protected consumer rights by stating, I the consumer owe any debt as pursuant to 15 usc 1692b ( 2 ). MONARCH RECOVERY MANAGEMENT, INC has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). MONARCH RECOVERY MANAGEMENT, INC conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. MONARCH RECOVERY MANAGEMENT, INC has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). MONARCH RECOVERY MANAGEMENT, INC has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified MONARCH RECOVERY MANAGEMENT, INC in writing that I refuse to pay the alleged debt and wish MONARCH RECOVERY MANAGEMENT, INC to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with Exhibits and a invoice. Since MONARCH RECOVERY MANAGEMENT, INC has failed to comply with provisions of 15 usc 1692 MONARCH RECOVERY MANAGEMENT, INC is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their answer to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as misleading information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to contact Gulf Coast Collection in regards to a fraudulent account reporting on my credit. I went to my local law enforcement agency and the officer who I spoke to essentially advised me to contact the furnisher for additional information in which they have not provided my intentions is to follow the steps provided by the FTC but how can I do that if a company refuses to assist in my case? I would like for you to review the attached for letters sent.

Company response to consumer: Closed with explanation