BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX I decided to pull my credit report from XXXX XXXX because I was building my new credit which I just establish with my recent assigned social security. But it was a surprise that I found a company called Fair collection and a debt for {$7000.00} which I did not have any idea that I had. I was unaware about this, I had lived since XX/XX/XXXX to the same address. I contacted this company and they said I owed this amount and needed to be paid in full. So, I request debt validation and I haven't received any information, also I went to filed a formal complaint to the police station closed to me. I sent out to them a complete report about this. They still saying that I OWE something that I was never be notified as mine, also I did not have any calls or previus information, they never informed me about put this on my account, if they had my information why they didnt send me a bill or statement to my address. So, I had less than a year with my credit and this people is making my life miserable because of it. I'm so disapointed about things works here. This people have very bad reviews and complaints everywhere, its something it needs to be investigated.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.

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 2019-04-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan serviced by Specialized Loan servicing and have tried for 3 months to get a hardship modification. After providing exhaustive documentation supporting my curent financial difficulties and after spending countless hours providing documentation, they then told me they are not authorized to negotiate. I have another home that my ex wife lives in and that company provided a hardship modification without issue. I am extremely upset with the run around and need help and they have been giving me a run around. I then went through there 2nd party review and have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: WA
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:
This past five years was only intended to destroy me future and financial stability

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 2017-11-29
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navient stopped my auto debit for my private student loans without notifying me which made my loans go past due and they demanded the payment in full. I tried numerous times to work out a payment with them. Navient called my mother XXXX XXXX on XXXX XXXX and told her about the debt I owed, how much the debt was and asked her to help pay. My mother has no association with my loan. Navient then called my husband who is also not tied to my loan and gave him a settlement offer amount and sent him an email with a settlement to his personal email asking him to ask his father for the money to pay the private student loan. I have the emails sent from the Navient collector to my husband with all my information. Navient called my husband again and told him the settlement offer was password protected and gave him the password of XXXX to open the secure message. Navient did not have my permission to contact anyone other than me and share my personal debt information. I live in the state of Texas. Navient told me they will garnish my wages for my private loans, freeze my bank accounts, and place liens on my property, which I do n't own. The person I am speaking to at Navient calls herself XXXX XXXX and her number is XXXX and her supervisor that sent my husband the " secure '' email is XXXX XXXX with an email address of XXXXXXXXXXXX. Navient also called my mother and father inlaw giving them information about my debt. Navient leaves personal information on my voice mail detailing private information. They also left this information on my inlaws voice mail. Their collection practices are illegal and threatening. They have told me that I only have two days to pay or they will sue me. My account went for almost two full years in good standing with auto drafts, to default with hardly any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a request to Equifax, asking them to correct mistakes on my credit report. They were supposed to respond within thirty days, but I haven't heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.

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 2019-04-17
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: Investigation took more than 30 days

Complaint:
In XX/XX/2019, I reached out to Experian regarding an account on my credit. The name of this account is XXXX-XXXX. I asked for Experian to validate this account and provide their proof of the original signed contract that they claim that I have with this company. According to the Fair Credit Reporting Act Section 609 a1a it clearly states that the Credit Reporting Agencies are required to show proof via an original signed contract. I have requested for Experian to show me proof of the original signed contract proving that I agreed to pay this company any money and if they are not able to do that I requested that the entry be removed and deleted from my credit reports. 

It is now XX/XX/2019, and I have not seen any documents from Experian which produce the alleged signed original contract from XXXX XXXX. I only have received letters from Experian stated that this account was " verified as accurate ''. I have asked them to show me how it was verified according to the Fair Credit Reporting act they are required to show me proof on how they verified the information. Experian has not provided me with this information. I will request that a fair resolution will be to remove this account completely from my credit file.

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 2018-04-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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: Problem with personal statement of dispute

Complaint:
Hello my car parked and was totaled by a hit and run whiles parked. On XX/XX/2017. On XX/XX/2017 a payment was made to Toyota Financial services in the amount of {$10000.00} there was a balance of {$3900.00}. I had gap insurance to pay the balance. Which they did but they didnt pay it till mid XX/XX/XXXX. I had purchased a new vehicle in XX/XX/XXXX. I feel it is unfair that my credit Has to suffer with late notices because the gap insurance took so long to pay the balance. They knew I had gap insurance and that they would pay the balance. Plus they already received over a {$10000.00} payment I dont see why a hold was not placed on the account giving time for the gap insurance to pay the balance. I think it is unfair because why should I continue to pay for a car I no longer am driving and that my gap insurance will be paying the balance that makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice of fraud violation of the consent agreement compliance and XXXX signed by the XXXX attorney general  and all other states AGs using forgery assignment robo-signed by XXXX XXXX which was exposed publicly and specifically in my XXXX wrongful foreclosure case no. 
XXXX that was included in XXXX  and for which I was awarded {$500.00} for foreclosure violations specifically this forgery robo-signed assignment, and the robo-signed notice of default by XXXX XXXX, also publicly exposed and also included in the XXXX and consent agreement, by : Attorney XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and Attorney XXXX XXXX of XXXX XXXX XXXX of XXXX that physically and electronically submitted this fraudulent rob-signed forgery assignment accross state lines to the XXXX Supreme Court in their Appellee Brief to my case no. XXXX dated XX/XX/XXXX as the main item to support their authority to wrongfully foreclose for the 4th time since XXXX on my home of 17 years. 

And they also physically and electronically submitted this same forgery robo-signed false assignment across state lines to the XXXX Bankruptcy Court case no.XXXX on XX/XX/XXXX as their main support for their motion to lift stay so they can wrongfully foreclose for the 4th time on my home of 17 years.

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 2019-04-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 CitiCards closed my credit card that I've had for over 13 years without warning or notification. 

I called and spoke with their customer service team and they let me know that since I hadn't used the card for two years their policy is close the card. 

They would only let me reapply by running my credit again to open a new card, but they gave me no reassurance that it would be the exact same account number. 

It made no sense to me why they couldn't accommodate my request to just reopen the same card.

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 2017-11-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint has to do with Synchrony Bank under their " Care Credit '' program. This program is used by medical patients under terms and conditions that if the account is paid within six months, there are no interest charges ; however, if the account is not paid entirely in six months interest is charged at XXXX XXXX 

My original bill was approximately {$1100.00} with a current balance of {$950.00}. Full payment is expected on the balance by XXXX/XXXX/XXXX or interest will be added. 

When I called Synchrony today to find out what the interest charges would be if the balance were not paid off by XXXX, I was told that it would be {$140.00}. When asked how they arrived at that number, Synchrony 's representative told me to find an explanation of their computations on their website -- but I could not find such explanation. By my calculations, it appears that back charges of interest will be made on ALL THE AMOUNT OF PRINCIPAL, REGARDLESS IF THE PRINCIPAL WAS PAID DOWN OR NOT. If this is the case, it seems outlandish and possibly in violation of U.S. and California law. I should not have to pay interest on the principal amount I have paid down. 

I believe Synchrony 's practice is deceptive. Certainly, their practices are not clearly and easily spelled out on their website. See : https : //www.mysynchrony.com/ Thank you for looking into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter the morning of XX/XX/22 from TD Bank stating TD beyond checking with visa card access account would be changing the limits on the account. To my knowledge I have never had a TD bank account or debit card with TD Bank. The letter does show a zero dollar beginning and ending balance. 
I called TD Bank at number ( XXXX ) XXXX and spoke to their fraud department and they said they would take care of the account. They also suggested I create a report on XXXX website reporting the possible fruad I am worried someone opened this account in my name with out my knowledge or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10
Company: BARCLAYS BANK DELAWARE
State: LA
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:
BARCLAYS VIOLATION OF FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND OR FAIR DEBT COLLECTION PRACTICES SECTION 807 ( 8 ). On XX/XX/XXXX Barclays signed a " notice to dispute '' and on XX/XX/XXXX I pulled my credit report and they FAILED to mark my account " DISPUTED '' which is REQUIRED BY LAW.

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 2017-11-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Pennymac Loan Services bought my original mortgage from XXXX XXXX XXXX in XXXX XXXX. I have an exemption at the court house stating my property taxes do no increase due to XXXX XXXXXXXX. Pennymac is the responsible party for my escrow account, in this matter. I received a check in XXXX stating I was over paying on my escrow account, then a during XXXX of XXXX received a statement stating my escrow was increasing and reflected a negative balance for the cushion. In XXXX of XXXX, the County contacted me stating my property taxes had not been paid, and my name would be submitted to the local newspaper. After contacting Pennymac, a payment of XXXX dollars was paid to the county for delinquent taxes. I have now received another statement stating my escrow account is XXXX dollars in the negative, and they require an additional XXXX for a cushion. I called the company and it was explained they were under the assumption, my CO taxes were XXXX dollars a year, and due to the XXXX dollars paid in XXXX for the delinquency and the additional XXXX - which is my actual yearly property taxes, were paid, including my XXXX hazard insurance - my account requires XXXX dollars to be current. My first issue, is the escrow account and payments are their responsibility, they purchased my account, and I am forced to allow them to handle my escrow account. Secondly, if they paid a delinquent payment in XXXX, how did it take almost 9 months to determine my correct tax amount, and why is the mismanagement of this company constituting a financial hardship on my behalf. I could have budgeted all year long, had I been in charge of my own finances. I have just accepted a lower paying job and am not prepared to pay an additional XXXX dollars for my mortgage a month, after I made this career choice based upon my budget. This happens to be XXXX as well, and receiving a debt collection for XXXX dollars for Pennymac 's poor management, is absolutely unacceptable. In addition, they have maintained this account almost two years, their mishandling should not change my life drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!

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 2018-04-27
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Background : Ditech sent an Annual Escrow Account Disclosure Statement dated XX/XX/2018 stating that my escrow account had a shortage of {$410.00}. I paid my escrow shortage in full. It was recorded by Ditech on XX/XX/2018. 

Prior to receiving notice of an escrow shortage, I paid my XX/XX/2018 mortgage payment in the amount of {$1500.00}. This payment was recorded by Ditech on XX/XX/2018. However, due to the shortage of {$29.00} ( monthly increase in escrow ), my XX/XX/2018 payment was applied to principal only.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: CA
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:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least XXXX to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation