BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-15
Company: Dyck-O'Neal, Inc.
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Dyck O'neal Inc has continued to report rolling XXXX+ lates on my credit report. We have had an agreement for a few years now on payment arrangement and I am paying on time every month and they continue to report this info every month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We feel like we are being scammed out of our home. Rushmore Loan Management Services and law firm XXXX XXXX XXXX, XXXX. are trying to foreclose on our home. We completed a chapter XXXX discharge in XX/XX/XXXX. Neither of them had nothing to do with the bankcruptcy process. After the discharge was complete we started getting contact from Rushmore Loan Management. We told them that we owed them nothing and reported this information to our attorney. They tried to bully us into a modification. We said no. They sent us paperwork anyway saying we had a modification ( attached ) .XXXX again, we informed our attorney. Later we got a letter from XXXX XXXX XXXX saying they would foreclose and kept getting information saying we owe money from Rushmore Loan Management ( attached ). 
We received a lettter from XXXX XXXX XXXX saying that our house would be sold on the courthouse steps on XX/XX/XXXX ( attached ). On Monday XX/XX/XXXX someone from XXXX Foreclosures left a notice on our door. ( attached ). We did not get any legal documentation saying that they had went through the court system. Since they were not part of the bankruptcy process, we can not understand how they got the right to foreclose or modify our home previous home loan. We want it handled properly. We do not want to owe them or any one else any money when this is all over. We think this is a scam or they would have went through the court system for a proper foreclosure. Original home loan was with XXXX mortgage and then transferred to XXXX Mortgage ( attached ). Something is not right about the way this entire process is being handled.We want the federal and local law involved if a foreclosure is going to occur

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: General Motors Financial Company, Inc.
State: AP
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
First I am a retired XXXX XXXX XXXX, I am a XXXX. I have worked XXXX government. Currently I am at XXXX.My wife and I bought a XXXX financed through GM Financial.. In XXXX we requested a release letter to ship our car to XXXX. We have another car that we shipped, financed by XXXX. We shipped this car. GM refused to give us clearance authorization to ship XXXX out of country even though we have afull coverage.insurance through XXXX. GM denied our request. Currently our XXXX is in our garage at our house in XXXX. I have tried many times to get them to authorize shipping car. e are in good standing with payments, we are ahead in payments auto bank draft. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Lionstone Holdings Group
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a message left on my cell number. The message was detailed stating that they needed to make sure I was around so I can sign for papers. My girlfriend received a message latter the same day XXXX/XXXX/2016 that was very detailed on her voice mail stating I needed to call a XXXX XXXX at XXXX that they received a claim against me under my name and SSN for file XXXX and she wanted to make sure I could sign for the papers for what is being filed against me. I was very upset and concerned and left worked and called the number provided. It went to a Lionstone Holdings Group who would not work out arrangements with me. They demanded I pay {$81.00} a week/ {$320.00} a month. 15 % of my weekly pay before I pay for my health insurance and other expenses. I told them I could not afford that arrangement and they said there was nothing else they could do. On XXXX/XXXX/2016 they called my employer. I told them I could not get calls at my work and provided my cell that they already have on file. I explained I am not permitted to answer my cell at work and the female states she would call later. She preceded to the call my cell within minutes of ending the call. I am willing to make reasonable arrangements on the matter however can not receive calls of these nature. They are upsetting, intimidating, and down right embarrassing. I kept the recorded messages if they are needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to any of my numerous requests to investigate, verify and remove an account from my credit report that was opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed inaccurate/outdated information on my credit report with Transunion. Transunion removed XXXX disputed items but kept XXXX of them on. The XXXX XXXX XXXX XXXX is the same debt as the XXXX XXXX debt, both for the same mortgage of {$33000.00}. Both are still on my credit report. XXXX XXXX XXXX is not my debt. I was relieved of these debts per judge 's order. Transunion updated these negative accounts to XXXX 2015 activity but did not remove them. Also, there are XXXX debts from XXXX that are more than eight years old still being reported, XXXX with a monthly payment of {$0.00}. 
Transunion sent me an update on my dispute and a link to access a free copy of my updated report, but when I try to access it, I am directed to enter payment information for the amount of {$11.00}, so I have been unable to see my updated report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Paid XXXX for 4 years, returned the car and later they charge me for overage miles and try to work out a payment plan, which they later reneg and take me to court. I think this is excessive abuse of XXXX and its collections and credit bureau 's. I returned the car in 2010. Yet my negative credit report has to show that I did not pay them and is a charge off, including court judgment. What is going on in America? Collections, and Credit Bureau 's are abusing us and the system so they can charge 24.99 % APR? I 've paid every car payment on time, and XXXX and its collections agency should n't be allowed to abuse the system and its customers. The way it shows, it appears it was a charge off and I never paid them, when in fact it was fee 's and charges after returning the vehicle, so it has nothing to do with being a charge off of my $ XXXX monthly payment. THIS IS WRONG!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
SYNDICATED OFFICE SYSTEMS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SYNDICATED OFFICE SYSTEMS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNDICATED OFFICE SYSTEMSor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My bank says it does not report to transunion, only XXXX and XXXX. 
Transunion lowers my score significantly as it shows no good credit from my bank. 
They said it 's up to me to get my bank to send in all my good on time and paid off loan information, and my bank says they refuse to report to Transunion! My score is low due to this issue when the other XXXX show all my good credit. Should n't Banks report to all XXXX? 
Why should my credit be hurt because a bank refuses to contact Transunion, is n't there a law to protect us from this lack of reporting?

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 2015-12-16
Company: Paypal Holdings, Inc
State: TX
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
I currently have a line of credit with PayPal credit that I 'm paying off. My monthly minimum payment is {$35.00} and it is due on the XXXX of each month. I have made the minimum payments on time for the last two months. However, my most recent statement had an unwarranted {$35.00} late fee on it, even though I had made the payment on time for the current billing cycle. 

I 've attached both of my recent PayPal statements. The XXXX statement indicates that the payment was made on XXXX and was considered on-time. The XXXX statement indicates that the payment was made on XXXX for a payment that was not yet due until XXXX yet I was charged a late fee on that same statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-24
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I became a victim of ID theft in XXXX when my Identity was compromised. I believe that XXXX or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX now XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Paypal Holdings, Inc
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened an account with PayPal thinking I could get started on doing business with them and I added money to my account using a mycash code, which I guess they do n't really like people using so much but if that was the case why have it as an option to add money? My account has had XXXX credit card chargebacks since XXXX XXXX and I have XXXX open disputes and claims even though the account has only been open for a about a little longer than a month. There is no reason for holding XXXX dollars that I recieved as a gift since XXXX XXXX, 2015. From the research I have done, there is no legal justification to hold my money for this amount of time either, regardless of what your terms of service say. PayPal has taken my money from me and is basically telling me because they feel as though I 'm s " risk '' they reserve the right to not do business with me and keep my money for 180 days! This is unfair and I have things to do and pay for. It 's wrong for a company like that to take people 's money like that and decide when it is okay for them to give it back. I 've uploaded all necessary documents they 've asked for and they said that it was all okay until I spoke to XXXX rude reps over the phone that basically said they needed my Ssn again after the tenth time of uploading it!! They keep asking me for documents that I 've already uploaded and are making excuses at this point! I will forward the complaints to your office as well. I am a reasonable person and all I am asking for is the release my funds now. Thank you for your attention and I am sorry we were not able to come to an amicable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Paypal Holdings, Inc
State: MA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I signed up for Paypal where I entered my credit card and expected that card to be debited for all transactions where I selected the Paypal option. 
I was recently contacted by Paypal for an overdue loan through their lending services. I did NOT sign up for a loan of any kind, especially one at 19 % interest when the card I chose to debit was only at 8 %. I do not know how to get this loan canceled and the late fee taken off. This enrages me that I could be signed up for something I did not agree to in any way. There is no form with my signature, nor an application for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I attended XXXX XXXX in XXXX, California. I took out a federal loan for school and I have been paying it. The school then proceeded to take out XXXX private loans out in my name without my consent or knowledge. I have expressed this to the loan company NAVIENT, when they called me 3 years after the school applied for it. They refused to send me any " proof '' that they claimed to have. I have never received any information about the loan, yet it 's on my credit report and I have been disputing it since I learned that I could. This has caused a huge grievance on my credit score and therefore reflects poorly on me as an adult, making it difficult to apply for an auto loan and eventually a mortgage XXXX day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt of {$190.00} on XXXX XXXX, 2016 to XXXX. I repeatedly get letters from Transword systems inc. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: TX
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:
Equifax will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


XXXX will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-08-25
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ally bank refuses to transfer my money from the Ally savings account to my checking account. Even though, the checking account has been properly linked, their website does not allow me to initiate the transfer. Ally Bank refuses to service their customers with outrages wait times that nobody can afford. 
Ally Bank advertised to be easy to use, and available 24/7. This is false statement. They take money and then abuse their customer with hourlong wait times.

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 2016-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
( XXXX and XXXX ) repeatedly and persistently failure to curb abuses in reporting erroneous information to the credit bureaus and by the credit bureaus.in violation of The Fair Credit Reporting Act ( FCRA ). 
These deliberate and intentional acts of unfair business practices are pattern or practice, habitual and habit forming by ( XXXX and XXXX ) to date. I have notified Equifax , XXXX of these invidious discrimination, invidiously discriminatory behavior. 
Equifax , XXXX and XXXX XXXX knew or reasonably known there acts in violation of The Fair Credit Reporting Act ( FCRA ). and deliberately encroach upon my protected rights secured by XXXX XXXX, States of XXXX, and XXXX. 

All knew or reasonably known there reckless disregard for my rights to dispute negative information in my credit report that is gross fabrication, adversely impacting my credit scores, defame my good name reputation to date. 
The credit bureaus having 30 days to verify the disputed information with the XXXX and proven with affirmative evidence did verify the disputed information within 30 days, my accounts of events are true and therefore any erroneous information must be deleted from credit report. Equifax , XXXX and XXXX XXXX failure to correct blatant errors and mistakes in my credit report warrants civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
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: Credit inquiries on your report that you don't recognize

Complaint:
This complaint refers to a unauthorized hard inquiry upon my credit report by   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  ( "  XXXX  '' ). On or around  XXXX   XXXX ,  2017    XXXX    initiated an unauthorized inquiry upon my Equifax credit report. I did not authorize  XXXX  to take such action so I am demanding that this inquiry immediately be revoked and recanted as well as for  XXXX  to permanently destroy all the personal information is received during the unauthorized inquiry upon my credit report. Additionally, I am requesting that  XXXX  provide me with all documentation that caused them to inquire upon my credit report. Finally, should this pertain to a debt, I hereby dispute the debt and have no knowledge of any debt with  XXXX  and request that  XXXX  cease and desist all collection attempts and contact with me for collection purposes. Finally, please provide verification of any alleged debt and do not access any other consumer reports or credit reports of mine.

Company response to consumer: Closed with explanation