BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: Westcreek Financial
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a line of credit through Westcreek For auto repairs.I emailed and also spoke to a representative and informed them to stop auto pay because the account was mine anymore and I have a new account I just wanted the auto pay to stop! I was informed that it was taken off and to just make payment and call in when I have my new account info.Agreed, well the company dismissed what was discussed and continue to withdraw even after I asked them to stop Ive repeatedly emailed with no response I just dont know what else to do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
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 received correspondence from FCO in an attempt to collect a debt. Fco has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 7. A copy of all payments made with beginning and ending balances 8. original creditor. If Fco is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from FCO in any manner other than permitted I will cease all communication ( invoking my legal right to request FCO to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.

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 2022-03-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a credit card to pay for a piano with no interest if paid in full over as far as I recall 18 months. I had Synchrony bank set up automatic payments to complete the payments within that period to avoid interest charge. They set it up, accordingly. The statement I received on the XXXX of XXXX showed an increase in balance. I called Synchrony Bank on the XXXX of XXXX thinking that my card was used by someone else. It turns out, automatic payments were not set up right so I was charged interest. I called Synchrony bank, on the next business day. The person I talked over the phone explained that it was not a problem as long as I make the payment for the remaining balance of {$650.00}. I. paid it the remaining balance right away on the phone. All of these conversations were recorded. Despite the incorrect set up of automatic payment by them and despite what they told me over the phone that it was still in the grace period for no interest as long as I finish off the balance, they keep sending me bills to pay the interest fee. 
This is not an isolated case. The internet is filled with complaints about Synchrony bank with similar cases. They set up automatic payments incorrectly on purpose and lie on the phone that if paid no interest would be charged, yet they still charge you for interest despite that is due to them setting up automatic payment deductions incorrectly. They should be sued. If this case is not resolved here, I will take them to court by myself. 
I attached two pictures showing the bank statements for automatic payments and the payment I made over the phone.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputed this account several times and the company continues to report inaccurate information on my credit report. The account is XXXX XXXX and I need this removed immediately from my report. Under the FCRA my credit report has to be 100 % accurate and it is not. The balances are wrong, the date of activity is incorrect. The past due amounts are incorrect and the payment status is definitely incorrect. With those 5 errors and violations on the account, I would like for these accounts to be removed immediately.

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 2023-09-06
Company: EQUIFAX, 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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I pulled my credit report and noticed that the spelling of my name is incorrect and there is incorrect/fraudulent information as well. Additionally, there is a credit union that has been sending me a statement every month, also with the incorrect spelling of my name, that shows I owe an outstanding loan with a balance of XXXX. However, on my report it shows that the account is closed and has been charged off as bad debt, profit loss write-off. The credit union 's information is not only incorrect but they themselves are also being deceiving and displaying abusive debt collection practices. I sent letters to all 3 credit bureaus and only one responded, stating that the information was verified and correct. In that letter the credit bureau also used the wrong spelling of my name! This is why they should be willing to absolutely verify and certifi-cate all information, show absolute proof and also provide the verification process that was used. You can seek a minimum of XXXX $ in damages per violation for : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act.

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 2021-04-05
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan Care which was my Mortgage company until XXXX of 2019 keeps saying that they pay my Mortgage Insurance Premium to my Insurance company XXXX on XX/XX/2019, in the sum of {$3500.00} but can not provide me any proof that this was paid to XXXX. When I contacted XXXX, they are saying they never received any payment from Loan Care in 2019. Right now I am forced to be paying XXXX two insurance premium each month.

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 2019-08-05
Company: EQUIFAX, 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 am attaching the results from XXXX that all of the fraud items were deleted that are reporting on XXXX  and Equifax. I am asking that they follow suit. If they did the same process then the result should be the same for all 3 bureaus. This was the outcome after disputing and reporting identity theft along with the police report. 


File Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MD
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/2021, I received a letter appearing to be from Navy Federal Credit Union. The letter appears to be a response to an account with them. As I have never opened an account with said company, I contacted them. 
On XX/XX/2021, Navy Federal Credit Union reported this account to my credit report. On XX/XX/2021, Navy Federal Credit Union reported this account as valid. On XX/XX/2021, NFCU not only reported this as valid, they reported it as delinquent and that I owed {$12.00}. This report caused financial and emotional distress as my XXXX and credit report reported a negative thus, dropping my score drastically. 
XXXX XXXX XXXX XXXX has not been successful in solving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX the XXXX XXXX  I reached out to the company to receive my account number or any information of the debt as I had notice it on my credit report. I did not receive any notice in the form of a letter, email, or call up till this point. They did not respond to my email. 
On XX/XX/2022 I received my first email from them in regards to the debt owed. It did not prove the debt was mine just gave the account number, the amount with interest owed and my previous address. 
On XX/XX/2022 I emailed them and asked for a valuation of debt. I also asked for the following documents : Name plus address of original creditor, that account number and how much was owed, Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay, If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay, and finally I asked for The amount and age of the debt including : A copy of the last billing statement sent to me by the original creditor State the amount of the debt when you obtained it, and when it was. Also written in this email I asked to stop being contacted through email, letter, text, and call. This email was ignored by the company. 
On XX/XX/2022 they sent another email exactly like the first expect it had more interest due. 
On XX/XX/2022 they sent out an email stating I owed more interest. In the same format as their other two emails.

They sent the same email three more times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 each with the interest due getting higher. 
On XX/XX/2022 I sent out the same email as I had sent before this time getting a response. They claimed to have sent it three times ( meaning the times mentioned above which do not provide the documents I asked for ). She also ended this emailed with a settlement was being offered as a courtesy and she would no longer open/address any further emails. I sent another email stating I have not received the documents and they never wrote back. They have continued to email, call, and text my phone after I have sent a letter twice stating I no longer want to be contacted about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: KY
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:
Equifax has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked Equifax on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans are serviced with MOHELA. 

I have needed to submit 3 requests to have the SAVE plan on my account. My income is ~ {$93000.00}.

My first application put me on the PAYE plan instead of SAVE, so I had to submit it a second time. 

For my second application, I just received a notice that the monthly payments will be > {$2000.00} a month on that plan. That number is absolutely incorrect based on Mohela 's estimator, my self-reported income, and the Federal Student Aid estimations. 

I resent a THIRD one today through studentaid.gov with proof of my income. I need to get my payments working due to PSLF eligibility and they keep giving different numbers every time I request the SAVE plan despite my income being the same each time- it's unbelievable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Eastern Account Systems ( Collector ) claims that I owe a debt from a medical office back in XXXX from XXXX XXXX. I did not recognize the debt so I issued credit bureau disputes of the debt and the credit bureaus ( XXXX, XXXX, and XXXX ) and they reported after 6 months of disputing as " verified as accurate '' with no proof it was actually validated ( I understand they won't disclose how they verify it ). I took it one step further and had a consumer representation firm contact Eastern Account Systems. Upon further discovery, the company had disclosed on a recorded line that when they received the first request for debt validation in XX/XX/XXXX they had not received the verification of the debt until XX/XX/XXXX ( 9 months later! ). This is a gross moral and legal injustice as they continued to report to my credit reports that they had verified the debt as accurate and per FDCPA guidelines they have only 30 days from the initial request for validation ( XX/XX/XXXX ). So not only did they breach the 30 day mark, it took them roughly 270 days to actually verify the debt. I have even gone one step further and reached out to Vice President XXXX XXXX regarding this issue and it has fallen on dead hands. This company is disgusting in their actions and have ruined my chances at getting proper credit representation which I hold very highly. I pray for this company to dissolved and discredited in all of their actions. Absolutely terrible functionality and arguably illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home loan and my loan was sold to BSI Financial Services. On XX/XX/2021, BSI sent my insurance payment to the wrong company. They confirmed it was their mistake and as of XX/XX/2021, they have yet to make the payment. They stated they would not make payment until they were reimbursed from the company they incorrectly paid. The answer they gave me was to make another payment from my escrow account and raise my payment until they received reimbursement from the company they paid incorrectly. They gave me incorrect check numbers and USPS tracking numbers for mailed payments that were never mailed. Terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act Account XXXX XXXX and Account XXXX have violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2023-07-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I don't have any idea about these accounts. This is purely identity theft. These accounts damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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