BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Credit Card or XXXX XXXX XXXX  is reporting an item on my credit report that is not mine. I have attached the following notices sent to XXXX, Equifax and XXXX with regard to this item. I have also sent notice to XXXX XXXX XXXX XXXX and requested that the item they are reporting in my credit file is not mine. I am attaching the notices sent under Section 609 FCRA which REQUIRES XXXX XXXX XXXX XXXX  or XXXX XXXXXXXX XXXX to provide specific documents under Section 609 FCRA and as of this complaint date XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with Section 609 FCRA. Additionally I submitted a fraudulent account notice to XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX however they continue to erroneously report this item on my credit report. My complaint against XXXX, Equifax and XXXX is that although being noticed under Section 609 FCRA, Collectively XXXX Equifax and XXXX are not requiring as part of their investigation XXXX XXXXXXXX XXXX XXXX or XXXX XXXXXXXX XXXX to comply with Section 609 FCRA. All of the above named parties are in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. I am asking for the CFPB to investigate my complaints and take the appropriate action under Section 609 FCRA. I am attaching a notice by the FTC regarding a lawsuit filed against XXXX for the exact same type of violations under Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am currently disputing One Main Financial with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of XXXX months ago and on to XXXX after it has already been deleted and the executive director of One Main was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit. I have never had an account with One Main Financial and all accounts they have posted on my credit reports need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt in question was paid in XXXX 2014 and is still being reported to the national credit gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a lease with XXXX XXXX XXXX and there is a dispute between the two of us about whether I owe them {$3600.00}. National Credit Systems has reported this disputed debt twice on my credit report ( to XXXX and XXXX ) so that it appears as though I owe {$7200.00} to XXXX XXXX XXXX National Credit Systems has confirmed when I call that they are not seeking to collect {$7200.00} from me, only {$3600.00}. However, they have continued since XX/XX/2012 to report XXXX accounts for {$3600.00} in an effort to pressure me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: USCB Corporation
State: OH
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:
The is my second dispute and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 

Account : USCB CORPORATION # XXXX - BAL : 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 2016-11-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: ME
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
When we filled out the loan paperwork they made us sign up for products and services we could not use -- homeowner 's and car insurance though we do n't own a home or car. They put my income as " Unemployment '' on the loan application even though we gave them our Social Security award letters as proof of income. They did not tell us our Social Security benefits are non-attachable income and that we could not afford the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: AMERICAN HONDA FINANCE CORP
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2015-as End of term on loan-balance XXXX of a 5yr loan. Honda Financial began calling repeatedly -placing calls to my work & home XXXX within a week- ( they have been asked NEVER to call my job ) -on XXXX call, Honda told me that the last payment should have been XXXX I informed HONDA that the last payment was out of my financial possibility ( monthly note XXXX. ) that the XXXX pmt has been made and that the last principle payment would be make in XXXX. HONDA- refused to make arrangements with me due to end of term??!! and began calling and harassing. I have asked HONDA to remove my number, I 've never missed a pmt, stop calling me-I 'm a human being PLEASE please stop going by your computer and be human ... .final pmt will be made XXXX - they informed me how they are going to report this as LATE on my credit, although it 's NOT -- I 've noticed throughout the life of my loan HONDA charged me a constant XXXX as late fees ( even when pmt was on time or with in a few days of due date and additional XXXX late fee ) in which HONDA automatically would charge the next month on the statement -when asked about the XXXX cent / and the double late charge -- I was told that its because HONDA applies the new payment -resulting in a late charge on my account -- I felt threatened, I told HONDA I 'm reporting this situation - I feel harassed, are they trying to MAKE me PAY moneys what I do n't have?? I have never heard of the last payment on term loan HIGHER THAN the monthly note -please assist on that matter. As well as I am concerned I may have be over charged in my interest on my loan -- please contact me with how do I place my name for review in that class action law suit??!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I acquired a XXXX personal loan with Springleaf Financial, I was told the interest rate would be 27 %, my first statement had XXXX on it, I called and was told this was due to 48 month term. I wanted to received an accurate statement and was told that was how the statements were. I asked for the balance and realized that after paying XXXX my balance had not decreased, I was then told I would have to pay at least XXXX before I would see a decrease in the principal. I was then told the interest is pre- calculated based on rule 78, I was never told about this prior to signing for the loan, I believe I am being charged a very high interest rate and I would like to know if it is legal for Pennsylvania , I searched on google and it states this is no longer legal for loans to be pre- calculated, please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX I requested my credit report and noticed an account that i do not recognize. Therefore, on XXXX XXXX, 2016 I mailed a validation letter to National Credit System for an account they are reporting that they claim I owe them. I requested that they provide proof of the account. To date, I have not received a response related to the information I requested.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: AVANTE
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt was settled in 2010. Collection agency is using robo-calls to harass from number XXXX. Constant calls 3-4 times per day, always no voice on the other line, always immediately hangs up. When I contacted the company associated with the number it was the following : AvanteUSA, XXXX, TX. 

And they were attempting to collect an 8 year old debt that was discharged long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
There are XXXX collections from Works and Lentz, medical accounts ; They have been paid. Only XXXX credit bureau still shows them. Whu are they still on XXXX, and not the other XXXX. I need these taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion rental screening also known as Smartmove by TransUnion released a application that I filled out as a possible tenant fir a property on XXXX XXXX XXXX XXXX, TnXXXX. The agent is XXXX XXXX and she works for remix. I applied and was denied rental fir EViCTION. I have never been evicted and knew nothing about this until now. I have lived at the same residence for 3 years. I called the rental screening third party XXXXXXXX XXXX  who supplys the application. Then they buddy up with smart move TransUnion to get their false info and percentages used to analyze what kind of possible renter I may be what I may or may not do based on someones opinion. My score and report came back with a Wviction. I contacted the Tennessee civil circuit clerks office and they supplied me with a document that shows in XXXX when I was living at my current address that someone filed a judgment but it was dismissed and there is a XXXX balance abd it us a NA non suit and it was dismissed a few months after that. This has never appeared in anything I have before. I contacted TransUnion filed a dispute in XX/XX/XXXX and they said that the info they supplied stating u was evicted us correct. I disputed again and they are refusing to do anything about the knowingly false information if a eviction. I was told verbatim quoteTgere us just not another category tk out this dismissed judgment under because its nit criminal or identity, I was appalled. They refuse to fix this.Help. Thus company has 100s of class action suits against them fir this reason!

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 2016-09-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
They continue to double charge me, and every month I have to go in and get it fixed. The manager is completely rude and unprofessional. It feels like they are trying to cheat me by sneaking in extra payments that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt is from a XXXX office which has changed ownership and can not verify the date of XXXX services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: Wexford & James LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a call from an XXXX first an automated machine said to have my legal counsel contact them and I waited to get someone on the phone the lady answered and said that the companythey where calling from was Wexford refused to give address said they were sending the police to get me and that I was charged with theft of services tied to my social but would not tell me more other than I better send her money Woman refused to give details or an address I hung up they called repeatedly XXXX times after with in seconds of each call

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted paper work for a loan modification with Suntrust Mortgage in XXXX. I continued to keep in contact with my Loan Preservation Representative, XXXX XXXX, who would tell me whether or not she need more information. I called to find out the status and she confirmed that everything was fine and it will be sent to the loan company. then i received a letter saying they were going to send my loan to another service co. XXXX and they would transfer all my information over to them. When i called XXXX, they told me they did not have any information on me and could not discuss the loan and until they had the information there would be no discussion. I called Suntrust and spoke to XXXX. XXXX, she claimed they sent everything over to XXXX. I called them back and found out they sent my deceased husbands ( 2008 ). name over instead of my information along with my active modification process. I am tired of playing this back and forth game with Suntrust, I am not able to pay my mortgage and it 's behind.I have been unemployed since XXXX and i would like so help. 
Sincerely, 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 2015-03-25
Company: Mercedes Benz Financial Services
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XX/XX/2012 I attempted to make an internet purchase of a Mercedes Benz from XXXX of XXXX MD - terms were agreed to and the car was delivered by a motor carrier designated by the dealership [ enclosed ] Upon delivery I recognized the car was not as represented by the dealership sales people - photos were carefully shown to illustrate the good parts of the car - not the ones in need of attention. I HAD DAY ONE DELIVERY ISSUES. 
Over the months that followed I contacted the dealership and M-B Financial in an attempt to resolve the issues. 
both the dealership and M-B Financial did nothing but give me lip service on why the issues were my problem not theirs. 
After canceling the deposits and refusing to pay for this fraudulent internet car buying experience - I voluntarily turned the car in. Was recognized as a voluntary repossession, where again despite my efforts with M-B Financial to get the XXXX-Repossession OFF my credit history - they would not help me with that either - where my credit has been badly damaged by this bogus and fraudulent internet car buying experience. 
Simply the worst business experience I have ever had.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX at XXXX XXXX, XXXX, XXXX ( Closed due to Fraud ) Below is the letter I sent to the President : XXXX XXXX XXXX XXXXPresident and Chief Executive OfficerAmerican Education ServicesXXXX XXXX XXXX XXXX, XXXX XXXXI am writing you with a very heavy heart. I am extremely disheartened and dissatisfied with the level of insensitivity and lack of understanding and communications received from American Education Services ' ( AES ) representatives regarding my account. I am requesting immediate release of financial responsibility for the above-mentioned account regarding payment for an educational/discipline program at the XXXX at XXXX XXXX ( XXXX ). It is evidence that XXXX is " not '' an accredited educational establishment. However, when I took out this loan, I was told that they were. I have struggled with this loan from the very beginning and have spoken with numerous representatives over the years concerning my hardships : XXXX being financial and the other a divorce. However, I only received temporary relief and a larger outstanding balance. 

Additional information : I have attached documentation from the Attorney General 's office that confirms XXXX was a " Fraud ''. On XXXX XXXX, XXXX AIR was ordered by the State of XXXX to pay civil penalties of {$250000.00} to the Attorney General 's office for issuing unauthorized high school diplomas. The program was furthered order to make partial refunds to parents ( I never received such a refund ), stop issuing diplomas, and stop marketing itself as an accredited school. XXXX applied for permission to issue diplomas from the XXXX State Department of Education and was denied permission on XXXX XXXX, XXXX. The Department, in its rejection letter to XXXX, stated that it had determined XXXX was primarily a behavior-modification facility and not a boarding school. A lawsuit against XXXX for issuing fake diplomas was also filed and a judge upheld its validity in XXXX XXXX. These incidents are what led XXXX 's enrollment to drop from approximately XXXX students to less than XXXX, and ultimately led to its closing. I too think that is was unjust for American Education Services not to notify me of such allegations and continued to accept payments from me. 

I am asking that you have compassion, thereby eliminating my outstanding debt as well as send communications to all credit bureaus to have them remove the item as well. 

Thank you kindly for your consideration, time and immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Perfection Collection
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. The account was sold to them in XX/XX/2009, and was discharged in a Chapter XXXX filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-28
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
There 's numerous inquiries on my credit report showing over XXXX student loans. Luckily these were all consolidated, however they are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: AES/PHEAA
State: AZ
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 have a complaint registered against AES with CFPB. I am waiting for the resolution of that. However, AES recently submitted a negative report to the credit unions which resulted in a XXXX drop in my credit rating. I feel this is in retaliation for submitting the complaint to you. This loan is in forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Abbott Osborn Jacobs PLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
SEVERAL MONTHS AGO, I WAS GOT SEVERAL CALLS ABOUT THE ACCOUNT. 
THIS COMPANY AND XXXX ME FOR SEVERAL MONTHS BECAUSE I REMEBER THE AREA CODE XXXX THEN I CALL ON XX/XX/XXXX THEN I CALL ON XX/XX/XXXX = XXXX WAS RUDE, SAID ITS IN DISPUTE .. OFFER XXXX ALL BILLS ARE DEPENDS ... ITS A HARDHIP WITH COVID 19 PROCESS SEVER PUT BILL IN A MAIL??? NOT MYLEGAL ADDRESS AT ALL XXXX IS SUP IS NOT AVAIL, NOBODY IN THE WHOLE OR ANOTHER IS AVAIL FALSE NAME WAS USE SEVERAL TIMES XXXX XXXX XXXX XXXX???? 
XXXX XXXX  XXXX XXXX XXXX??? 
THEN ANOTHER PERSON CALL ME FROM XXXX XXXX CA IM NOT SURE GOING ON NOT PROFESIONAL AT ALL

Company response to consumer: Closed with explanation