BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: ENOVA INTERNATIONAL, INC.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I obtained a loan in XXXXXXXX XXXX from NetCredit, at which time I signed a contract for a loan amount of {$8500.00} with an APR of 64.69 %. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( serviced by NetCredit Loan Services, LLC [ NetCredit ] ) advertised a refinance eligibility option, which I discovered does not apply to XXXX  residents. At the time I signed the contract, I was unaware that XXXX has a maximum interest rate of 36 %. Further, there is no record of XXXX XXXX XXXX XXXX XXXX XXXX in the NMLS database ; NetCredit results include addresses in Utah and Illinois. The FDIC database lists XXXXXXXX XXXX XXXX  address as in XXXX The states of XXXX XXXX XXXX, in which XXXX XXXX lists addresses in the contract language, also have maximum interest rates of 36 % ( or refer to " unconscionability '' ), which means that even if they operate under those state 's usury statutes, the 64.69 % interest rate they charged me is illegal. I believe this is a predatory lender offering illegal, extremely high interest loans to people whose circumstances don't allow for lower interest options, and who don't know what the rules are surrounding maximum interest rates and therefore will accept any assistance to alleviate immediate financial difficulties without knowing how or where to go for information about what's normal or allowable. I called NetCredit today to request an interest rate reduction, and the representative told me it was not possible. He mentioned the possibility of refinance, and while I was asking questions and he attempted to answer, he got several details of the contract language wrong, including the term and the interest rate. He apparently also didn't know that I was ineligible for refinance due to my state of residency, and when I told him that was the case, he acknowledged I was right ; I am ineligible. I asked several questions about why my interest rate is so high when the maximum rate in Oregon is 36 %. He couldn't give me an answer, so I asked to elevate the call. He said I can expect a call back within 24-72 hours, but that a supervisor told him there was no way they could reduce my rate. Due to this conversation, I don't expect satisfactory resolution to be offered voluntarily by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Genesis FS Card Services, 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 XXXX  accounts # XXXX XXXX XXXX XXXX XXXX XXXXXXXX/genesis FS card services in # XXXX has violated my rights 15 USC.1681section602 A.States I have the right to privacy 15 USC1681 section 604 A section 2 it's also states a consumer reporting agency can not furnish a account with my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022, I received 7 phone calls from Conn 's Furniture in regards to an existing loan with their company. They have done this in the past and I have repeated to multiple representatives to not contact me between the hours of XXXX Arizona time as I'm working and require my cellular device to communicate with clients. Since this occurred on a Friday, XXXX of my clients meetings were interrupted and I felt extremely harassed when the last phone call occurred at XXXX that day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

============================================= XXXX ============================================= XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

============================================= XXXX XXXX XXXX XXXX XXXX XXXX xxxxxx XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX 
Account XXXX xxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 


============================================= Transunion ============================================= XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxxxxxx XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxx XXXX, has violated my rights. 
============================================= 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 XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-02-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
XXXX XXXX XXXX previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: TX
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 XXXX US Department of Education account # XXXX has violated my rights. 

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

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 2024-01-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
WF closed checking and savings accounts and promised to send cashier 's check for available funds at the time of closure it's been over 4 weeks and when I called they didn't provide any information, still holding on my money and asserted if I don't receive it it may take another XXXX days

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 2023-08-15
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Got a random email from Synchrony Bank that my XXXX & XXXX account has been closed.

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 2023-08-15
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2023, I received a validation notice from Sunrise Credit Services , Inc to collect on a debt. The notice provided until XX/XX/XXXX to dispute the debt ( the validation period end date ). 

On or about XX/XX/2023, verification of debt was requested via e-mail triggering the XXXX validation period. However, on or about XX/XX/2023, the collector reported the debt delinquent to the Credit Bureaus. This is before the validation period end date of XX/XX/XXXX and before my verification request of XX/XX/XXXX. 

Although the FDCPA may not explicitly require the debt collector retract or modify a report of delinquency made before the verification request, the requirement to cease collection activities until verification is provided still applies under the FDCPA. 

Here, Sunrise Credit Services intentionally tried to bypass the timing requirements of debt validation under FDCPA by reporting the account delinquent to the Credit Bureau 's prior to the validation period end date. This practice deprives all consumers a meaningful opportunity to dispute the debt and obtain verification. This practice further assumes that the alleged debt is valid and results in a substantially decreased credit score. 

Sunrise Credit Services was provided an opportunity to correct the mistake and has explicitly refused to retract delinquent reporting as of XX/XX/2023. 

As result of this deceptive but intentional practice by Sunrise Credit Services, I have suffered a loss in FICO score of at least XXXX XXXX, lost my ability to purchase a house and suffered substantial emotional distress.

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 2023-08-15
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The current investor trustee XXXX XXXX XXXX XXXX XXXX holds a note that was fradulently fabricated and is not the orginal which I have in my possession and which contains no endorsments cause it was never endorsed. Also attached is the promissory note with no endorsment faxed by prior servicer months before the one with an endorsment and lacking any date or nortirization lacks the proof as the orginal and that it wasn't actually endorsed in XX/XX/2016 well after XXXX no longer exsisted. The current servicer after being informed still has done nothing to reslove this matter. They don't have in there possession the orginal promissory note either or even the right to service the loan. XXXX never assigned or I never recieve notice that they transfered servicing and if they did who it actually was. Attached also is a service transfer estimates that actually states rXXXX XXXX XXXX XXXX as the trustee for this loan and not XXXX They are harassing me with a debt they have no right to collect on as they where never properly sold or transferred servicing rights and are not the note holder and not entilted to recieve payments. They have no license to do business in Hawaii and don't hold a local point of contact required by state law. They continue to send me statements and raising The attached disclosure about XXXX states they are not the lender and only a mortgagee in a noominee capacity and then being so doesn't effect my obligation to lender under promissory note. XXXX even though they made an assignment of mortgage never possessed or was given the promissory note threw endorsment and therefore can't assign a mortgage they don't have possession of the note it states they are assigning. Further they where to act on soley as nominee for lender which didn't exsist at the time of the assignment and XXXX XXXX wasn't the note holder at that time either and never provided proper notification that they where ever sold or transferred rights to service the loan. Also the assignment of mortgage is on a two page document with no page numbers and one page contains the assignment and the other the notirization. The two pages have no signs that they even where fabricated at the same time and could have easily been done seperatly and with no knowledge to the parties on the document. The second page also contains hand written in attached assignment of mortgage borrower XXXX XXXX XXXX and has no intials by notary that are required per state law when something is changed on a notirized document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a device without a contract in 2019. The charges they are claiming was for a phone line that was never activated.

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 2023-01-23
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is my 3rd complaint filed against Caliber. On XX/XX/XXXX my mortgage was transferred to affiliate company XXXX. Since the transfer date, it has been very difficult for payments sent and confirmed they were sent by XXXX to be transferred to XXXX. These two companies are connected and any correspondence is easily relayed regarding these complaints. However payments being transferred is a different story! According to XXXX both XXXX XXXX payments were sent to Caliber both on the first of each month. I have sent in an escalation to XXXX in regards to missing payments in XXXX. I was notified that XXXX received one payment from Caliber on XX/XX/XXXX and was in the process of posting it. They never posted the payment until XX/XX/XXXX. When a payment was posted and applied to XXXX. I am still unsure if this was a transfer payment sent to Caliber for XXXX or a current payment sent to XXXX for XXXX. Shellpoint Customer service is unsure?? According to XXXX customer service they state their hands are tied as to where XXXX payment is and when it will be transferred and also XXXX payment. They confirmed they have escalated this issue to Caliber as to missing payments not being transferred and advised it can take up to 60 days for everything to smooth out and payments being posted. It has been over 60 days and Im now receiving a threatening letter from XXXX for foreclosure if not paid by XX/XX/XXXX. This is unreal as it was not an issue to post these payments prior, they may have been posted late towards the end of the month but were eventually posted with no issue. Now that they transferred mortgage to there affiliate company ( due to me being on XXXX assistance ) they have lost the payments and no one in both companies can find. Not only will I be filing this complaint, I will also be filing a complaint with The Department of Treasury, for misuse of funds, the XXXX  and also my State Senator!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX reported to credit agencies that I was late on my final payment of {$540.00} for lease account # XXXX. 

I did not fail to make these payments. The DEALER failed to make these payments. Please see the attached default letter in which the sales manager at XXXX XXXX XXXX XXXX XXXX writes : Please recognize this default letter as an effort to correct or remove any delinquent information on account number : XXXX, Mr. XXXX XXXX. 

Mr. XXXX grounded his lease in XXXX, fully understanding he would not be responsible for his last two payments in the amount of {$540.00}. He turned in his lease vehicle on the XXXX of XX/XX/2021. 

I failed to process the necessary documents through our accounting department, which caused the delay in paying off the lease. Attached you will find a copy of the payoff check that has been sent to settle the account. Please contact me in the event there is additional information needed to correct this account. 

My efforts to resolve this directly with XXXX XXXX failed. Ten phone calls over a three-month period led me to an " accounts '' department that was reportedly obligated to respond to my written compliant within 30 days. They did not respond within 30 days. Therefore I am escalating my complaint with the CFPB. 

When XXXX customers are in the process of leasing a new vehicle, the dealer and XXXX XXXX present a united front. That united front should continue even when the dealer makes a mistake like this. 

Because I assumed as much, my credit score dropped from " Very Good '' to " Fair ''. I feel penalized for having faith in XXXX XXXX 's business processes. They need to make this right and rescind the information they provided to credit agencies.

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 2023-04-09
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I returned my Kia lease at NJ XXXX XXXX dealership on XXXX. I paid the final bill on XXXX to KIA Finance. I was given statement by KIA that my account is closed and paid in full. Subsequently, later that month I received bill for overage miles and lease return fees, I quickly called to inquire and was told thats just an error based on delay in billing. I was again sent a paid in full letter on XX/XX/23 to reassure that my account is closed and no further payment is necessary. XX/XX/23 I was notified that my credit report was impacted due to supposed unpaid balance from KIA finance. I called KIA finance to inquire and was told the account is closed and paid in full and there is no known bill or way to pay. After endless time energy and hours on the phone with conflicting reports from different representatives, being ping ponged back and forth to various departments I was told the bill is valid but even though I had no way to possibly know about the bully or pay it until now because of their dysfunction and error I would still be liable as though it was overdue. I am not even disputing the validity of the charge rather the fact that my credit was now impacted by a bill that I was unaware of and unable to pay because of KIA finances awful delinquencies. Additionally none of the information post on my account is accurate or reflective of what I paid. For example the last paid in full letter I received ( the link to the paid in full letters expired so I had to request a copy of the letter again once I couldnt access it ) this letter was different than the previous and stated my final payment was in XXXX XXXX which is entirely inaccurate ( I had closed the account in XXXX and my final payment was {$600.00} ).

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 explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: FL
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:
Disputed this inaccurate account multiple times in XXXX, and I see now XX/XX/XXXX this account has update and modified itself after my XX/XX/XXXX dispute, which still did not address the inaccuracies! The XXXX  account is violating : 1 ) 15 U.S.C 16801 accuracy and fairness of credit reporting 2 ) 623 5 ( a ) duty to provide notice of delinquency of accounts- that it is to be reported to the agency of the date of alleged delinquency on the account, which shall be the MONTH AND YEAR ; not continue to report over and over for however long or up until 7 years!

3 ) 15 U.S.C 6801 protection of nonpublic personal information, the financial institution are suppose to protect my personal information, not give it out without my permission 4 ) 15 USC 6802 obligations with respect to disclosing information, 3 disclosures forms were never given to me 5 ) The Heros Act Section 110401 has also be violated, during COVID-19 consumer 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