BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Earlier this year we installed a security system in or home through XXXX.. We agreed to a monthly service fee and the equipment. The contract said payments would be payable to XXXX. XXXX, without notifying us, apparently sold the equipment note to Citizen 's Bank in Rhode Island. Citizens never notified me that the assumed trhe note. Citizens stared calling me about past due payments., I had no idea who Citizen 's was. After numerous calls, we finally determined what had happened. I have asked Citizen 's to provide information to show that they had assumed this loan and to provide me written proof. and the amount and interest rate. Citizen 's has thus far refused to provide me this information They claim they are a paperless institution. and that they do not provide this information. Without proof, I don not feel I should make payments to someone with whom I've never done business. If they would provide written confirmation, I would have some protection and proof is something goes wrong. They way they are handling it leaves me in libo.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim Account : ENHANCED RECOVERY COMPAN # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to  collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my my lincoln loan on XX/XX/XXXX ... I never received the the title only my refund check. They told me I had never updated my address even though I had in XXXX of XXXX when I moved, and had received my refund check, as well as had mail forwarding set up. Lincoln credit told me the title was mailed back to the Texas DMV ... but they never got it. I filed for a duplicate title which I had to pay for. However, even with sending the pay off letter I was denied twice stating there was still a lien on my vehicle. I have called twice and they say to follow up with my dmv. DMV says to talk to Lincoln Credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been using CareCredit for nearly XXXX decades and it has always been the same : I have 1 year to pay off the balance ; they divide the monthly payments so, as long as I pay the minimum payment amount, then it will be paid off in full within 1 year and I have no interest charges. This has been the case multiple times over the past XXXX years. 

I charged {$1700.00} to my Care Credit card in XX/XX/XXXX. I immediately agreed to set up automatic payments each month expecting the balance to be paid off by XX/XX/XXXX. But Care Credit changed this to a XXXX term without adjusting my minimum balance accordingly. So they have been charging me a total of {$380.00} in interest since XX/XX/XXXX. My current balance is {$1500.00} even though I have been making monthly payments for nearly 1 year ( totalling {$520.00} )! My acocunt balance should be {$1100.00}. 

This is total deception! How can they expect anyone to pay this off? My {$520.00} payments only took {$140.00} off my balance! That is a 72 % interest rate!!!! 

I need the {$380.00} in interest reversed and then I will pay the balance that is remaining in full today ( {$1100.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the several times I've complained about some erroneous items in my report. You must correct these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be updated or deleted. 

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

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 2022-12-19
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan for the amount of {$6000.00} with Upstart on XX/XX/2022, XXXX XXXX. My loan was approved on XX/XX/2022. Subsequently, I tried to accept the loan on XX/XX/2022 in the XXXX and was denied based on the hard pull that was done on my credit file after my acceptance of the loan. The reason for denial included in the adverse notice was " monthly debt obligations increased by more than XXXX XXXX of total verified income or {$200.00} since application. '' I called Upstart to understand what changed over the weekend as I knew for a fact that nothing had change to which Upstart wasn't able to provide me any further explanation or facts about my monthly obligations during the application and post approval of the loan which was provided as a reason for declination on the adverse notice and asked me to contact XXXX and XXXX to obtain clarification. I reached out to both the credit bureaus and confirmed that nothing had changed in my credit report/file between XX/XX/2022 to XX/XX/2022. I also have copies of my credit report from XX/XX/2022 and XX/XX/2022 which confirms that nothing changed. I have talked with the team lead as well at Upstart and she wasn't able to provide me further explanations or rationale of their decision other than what was mentioned in the adverse notice. She kept on asking me to reach out to credit bureaus to obtain further clarification ( which i had already done before talking to her and mentioned it to her ). As such, I strongly believe that the declination reason provided by Upstart is inaccurate and my application was declined incorrectly and inappropriately and/or Upstart is unable to provide me detailed explanation to me of their declination decisions which I as a consumer is entitled to under the Equal Credit Opportunity Act ( ECOA ). As such, this demonstrates their failure to comply with ECOA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went to JC Penny to make a purchase and the sales representative asked me if I wanted to sign up for a rewards card to save 30 % off my purchase to which I agreed. She asked me for my information including my social security number to input my information into the system. I literally just turned XXXX a week and a half before visiting this store and had no idea she was signing me up for a credit card. She never once mentioned that Id be signing up for a credit card and that shed be checking my credit. I used my debit card to pay for my purchase, as I had no reason to believe I now had a store credit card. Rightfully so, I assumed that I received the discount because of the rewards card I signed up for. Fast forward I received a JC Penny store credit card in the mail and I checked my credit to see that I now have a hard inquiry on my account along with a credit card. This is fraud, as I was mislead into opening a credit card due to my age. I never agreed to have my credit checked and never agreed to open a credit card. The sales representative lied to me by saying that I am signing up for a rewards card and did not alert me that I was signing up for a credit card. A rewards card and a credit card are two completely different things. I want this account closed and removed from my credit report as soon as possible.

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 2021-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax placed an extended fraud alert on my credit report without my permission. 

I " NEVER '' made the request for them to do so, I " NEVER : sent them a police report or any other document ( s ) stating that I was a victim of Identity theft or credit fraud. 

This is an on-going issue with Equifax! 

The last time it happen was in XX/XX/2020, and I was told by and Equifax rep that Experian told them to do it. 

These behaviors are unacceptable and i demand something be done!.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please be advised that I was set up on Auto Pay since my account was opened. I made all payments on time. On each statement your Auto Pay Policy states ( If you are enrolled in our Auto Bill Pay program, your automatic payments will continue until your balance is 0. ) I cancelled my service on ( XX/XX/2020 ) and went to another Carrier. 
However you did not continue to draft Auto Pay after my service was cancelled, ( which is inconsistent with what your Auto Pay policy states on the statement ). Also I was not notified that your company would not attempt to draft the Auto Pay for the last bill, so I was unaware that the last bill was not paid until it showed up on my credit report as a collection. 

I called XXXX XXXX immediately and paid the bill asking why you did not submit the Auto Pay draft. I was advised that since the service was cancelled your company stops the Auto Pay, again ( which is inconsistent with your Auto Pay Policy on the statement ). 

This late payment collection reporting on my credit report is due to an ( Auto Pay error ) with 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 2022-04-01
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originated these two loans for two different properties with LoanDepot around XX/XX/2021. They have all of my insurance information showing insurance has been paid, etc. They have all of my property tax information on where taxes should be paid, etc. 

1. I recently found out that property taxes were not paid from my escrow accounts for these two loans. I reached out to LoanDepot when I found out, and they are still " researching '' the issue. Yet the property taxes are still unpaid and accruing interest from the city. I hope that they pay the interest from their own funds as this is their error. 

2. I received a threatening notice saying I do not have insurance on my property, and they would buy expensive insurance on my behalf if I do not provide them with insurance information. LoanDepot already has all of my insurance information. In fact, they apparently even paid the insurance on one of the properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2020-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please be advised that I was set up on Auto Pay since my account was opened. I made all payments on time. On each statement your Auto Pay Policy states ( If you are enrolled in our Auto Bill Pay program, your automatic payments will continue until your balance is XXXX. ) I cancelled my service on ( XX/XX/2020 ) and went to another Carrier. 
However you did not continue to draft Auto Pay after my service was cancelled, ( which is inconsistent with what your Auto Pay policy states on the statement ). Also I was not notified that your company would not attempt to draft the Auto Pay for the last bill, so I was unaware that the last bill was not paid until it showed up on my credit report as a collection. 

I called XXXX XXXX immediately and paid the bill asking why you did not submit the Auto Pay draft. I was advised that since the service was cancelled your company stops the Auto Pay, again ( which is inconsistent with your Auto Pay Policy on the statement ).

This late payment collection reporting on my credit report is due to an ( Auto Pay error ) with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My my credit card XXXX it's not showing up on all three credit bureaus it's only showing up on XXXX and I have tried on numerous occasions I talked to both the Creditor and both XXXX and Transunion and they keep giving me the runaround one is telling me to contact the Creditor and one is telling me to contact the credit bureau I have tried on numerous occasions to get this to show on my credit report and I need this resolved now it's been past 60 days since XX/XX/XXXX ... .. this is unacceptable and all I need for them to do is put it on my credit report just like XXXX ..... I have three statements to show proof because each statement it gets reported to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score. XXXX XXXX is using Experian as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Experian is not doing their do diligence, as they would have known this was part of a litigation.

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 2019-08-27
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:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me, as I am a victim of identity theft. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The FCRA section 605b states that this matter should be addressed within 4 days yet, I have been ignored and violated by TRANSUNION for months now. The accounts are listed here below. Bankruptcy Chapter XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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