BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-18
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the last week of XX/XX/2018, I sold my house which was financed by Selene Finance. By the second week of XX/XX/XXXX, I realized that I had not received the refund from my escrow account with Selene which amounted to a little over {$1100.00}. On XX/XX/2018, I called Selene Financial  and was told the check was sent to the attorney representing the buyer of my house. This was incorrect and the check had obviously not been cashed. Selene agreed to stop payment and then issue a new check to me to be mailed to my new address. They have repeatedly given me false information when I have called to inquire such as it will be mailed within 18 business days but as of yesterday, no check has been issued. The money was returned to my escrow with no check issued to me. The only reason given is that it is being processed and no one can tell me when I will be sent the check. I have talked to a supervisor who did not resolve the problem. According to Selene, I have no choice but to wait until the company decides to send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CREDCO XX/XX/2017 RE : Request for ivestigation of Unauthorized Inquiry I check my personal crdit report and found an unauthorized credit inquired with your bank information i haven't give the authorisation to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the prosedure used in your investigation within 15 business days of the complition of the investigation. 
Thank you : 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 2022-08-08
Company: Experian Information Solutions 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:
Upon reviewing my updates, unauthoroized inquiries are being reported to my personal credit file. The Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 1. XXXX Inquired on XX/XX/XXXX 2. XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX 3. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 4. XXXX XXXX Inquired on XX/XX/XXXX 5. XXXXXXXX XXXX Inquired on XX/XX/XXXX 6. XXXXXXXX XXXX  Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After sending information to verify myself with my disputes, Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized

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 2018-06-07
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a XXXX number on my called ID yet the business shows its in XXXX My last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was 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 2019-03-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
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:
One Main Finacial continues to delebratly damage the credit of a co-signer that signed a loan with me on my behalf. They call myself and the cosigner XXXX continously I am only a payment and a half behind. However I continue to make my regular monthly payments I asked One Main could I refinance the loan under my name only and they said no. Mrs XXXX my cosigner called me and said one-main has been calling her and harrassing her about late payment. Also I was told by one-main that we were not seriously in delinquency. However they have began to report this to the credit bureau. Mrs XXXX has perfect credit and she is upset about it. This company calls during hours when I ( XXXX XXXX ) is at work. My supervisor asked me who is that calling interupting you at work. I said One-Main Finacial. I have been harrassed and threaten by One-Main- Finacial. I was told one time by an employee if I didnot make a payment I could be sued or they will go after XXXX and that I would be the cause of her credit being damaged. Althoug I make a payment every month. This continues this is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Failure to delete by Transunion. I requested debt validation/verification, Blacks Law Dictionary 6th Edition ; ( Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition ) or sent or contacted me 5 day prior to give " Mini-Marandi '' under FDCPA Sec. 809 before placing this on my credit reports, from Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX, in which I got none of the information requested, in which violates the FCRA and FDCPA.Also, the furnisher in the state of TX ; be it a creditor, third party debt collector/debt buyer is considered a debt collector in the state of TX with cases to back this up on the record. 

Due to the complexity and intricacy of my original dispute, I find it difficult to believe that Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX was contacted by the credit reporting agencies. This type of conduct makes it difficult, if not impossible for a consumer to correct inaccurate information in their 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 2019-03-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac has been the loan servicer on my mortgage since XX/XX/XXXX. I set my account to receive automated email notices of my monthly statement and receipt of my monthly payment as I am enrolled in autopay. I did this for convenience and given the very bad customer reviews online for PennyMac, I wanted as little contact as possible with this company and wanted avoid any problems since they struck me as an untrustworthy and sleazy outfit. I had been receiving the monthly notices to my inbox without any issues until around XX/XX/XXXX. On or about XX/XX/XXXX, I received a barrage of solicitation telephone calls on my mobile and work numbers from PennyMac trying to get me to refinance my mortgage. I requested to be removed from the call list both to the callers and to customer service to no avail. I filed a complaint with the CFPB in XX/XX/XXXX to stop the telephone solicitations. I received a letter from XXXX XXXX of PennyMac dated XX/XX/XXXX stating that " stops have been placed on your loan to prevent any further solicitation calls ''. Thereafter, I no longer received the automated email notices of my monthly statement and receipt of monthly payment. After many calls to customer service and resets to my account settings, I now receive only email notices of my monthly statement. I called Ms. XXXX  on XX/XX/XXXX and left a voicemail to discuss. She never returned my call. In her letter of XX/XX/XXXX, she suggested that I check my spam folder. I check it daily and there was no email notice of receipt of my monthly payment. Her suggestion that I contact XXXX  to resolve the issue is ridiculous. Further, her suggestion that I go online and log into my account each month to confirm payment has been received is a waste of my time. I plan on keeping the mortgage for at least another 12 years, which would equate to 24 hours of my life for something that would take a second to see in my inbox. In my opinion, PennyMac caused the issue back in XX/XX/XXXX and they need to fix it. Since I am enrolled in autopay, I need confirmation that my payment has been received. If there were some issue, I would have a late payment on my credit report and be subject to a late payment penalty. Even though this is America and land of the free, I am not permitted to choose my loan servicer. The only way I would be able to resolve the issue is to pay off the mortgage to rid myself of PennyMac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13
Company: HW Holding, Inc
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is not correct information, I gave enough notice and paid in full prior to moving out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: EQUIFAX, INC.
State: NY
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:
XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We called loan care the evening of Tuesday, XX/XX/XXXX spoke with one supervisor and two people in the escrow department and one in the insurance department. What happened with our escrow analysis was that it was ran in XXXX as a normal however our insurance company had only sent the XXXX page electronically to them. Loan care treated this as a bill in the same month of XXXX when the hazard insurance was not due until XX/XX/XXXX. Obviously this created a large short fall of our escrow as well as the projected difference for next year as well as the increase in taxes. The total short fall for XXXX should be less than {$200.00}. XXXX hazard insurance amount was {$1000.00} and in XXXX it was {$1000.00}. That is a short fall of {$32.00} for hazard insurance. Taxes in XXXX were {$2800.00} and in XXXX they were XXXX for a shortage of {$150.00}. Total shortage should be {$180.00}. We tried talking with a gentleman in escrow department named XXXX who told us that we can not have a new escrow analysis ran nor could we pay the difference on the new insurance alone. We have asked for a breakdown multiple times of the shortage and nobody is able to provide us that break down. We would just like a new escrow analysis based upon the due date in XXXX for the renewed insurance policy that was paid early on loan cares part or give us a solid number what he shortage of the Insurnace alone for the  renewal in order to correct our monthly escrow. 

Its important to note that every individual we spoke with including the supervisors were unhelpful and unwilling to help claiming that it was not their department or they couldnt run numbers without us sending additional money to deposit in the escrow account and said they did not have access to any of the documents that pertained to our loan for our request. Also the my seem bound and determined to make the customer feel wrong and that there is no solution

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 2021-05-01
Company: GLA Collection Company, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were sold. According to my findings, I am no longer liable for the alleged debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have statement from XX/XX/XXXX and XX/XX/XXXX that two of my loans through Sallie Mae were sent to XXXX XXXX for collections. To the best of my knowledge, these loans were paid through collections, and I received no further correspondence regarding them until XX/XX/XXXX, when I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) about the same two loans, now being serviced by Navient. At the time I didn't realize that these were the same loans. 

Now, after several months of trying to figure this out with Navient, I do believe that I may have paid these loans a second time, in error. Additionally, after contacting the University which Navient reports that these loans were dispersed to, they have no record of any private loans for my tuition. I am unsure how to proceed at this point, as Navient is still trying to collect payment for two more loans. I was advised to begin by filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Home Loan Center, Inc.
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the past couple weeks, I have looked online for potential lenders for a mortgage refinance or home equity line of credit. One of the places I looked was XXXX XXXX. XXXX XXXX, without my permission, has sold my information to dozens of lenders, and I am now getting several calls per hour, despite repeated requests to be taken off of all call lists. XXXX XXXX   has been particularly aggressive. One representative refused to honor my request not to be called again, and argued his belief that the purpose of XXXX XXXX is to generate dozens of telemarketing calls per day. 

This is harassment. It has to stop. I request whatever assistance the CFPB is able to offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Brightwater Capital, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted at my job from this debt collect or XX/XX/XXXX. I tried to speak with the debt collector but he was continuously yelling at me and also hung up the phone on me. He proceeded with saying that they would be moving forward with what their decision would be to do with my collection but did not specify any detail and hung up the phone. I talked to the debt collector on Thursday XX/XX/XXXX because they have been calling my job and cell phone number back to back we also talked briefly and I shared that I would be able to make a payment. He also accused me of lying and pulled up a report with all of my other information. So I just need guidance or something of what to do from her we. He also never specified the amount to me that I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: STATE FARM BANK, FSB
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
State farm bank has a ten day grace period before a late fee is charged. But each time I go to the website, the late fee is applied the before the late payment is due not the late due date shown on their payment coupon. I've tried to correct this time and time again. One time, I sent in an extra payment, they applied a late fees to that. My payment is due on the XXXX but according to the coupon, late fee is not assessed until the XXXX, XXXX and sometimes as late as the XXXX of the next month. However, when you go to pay, the late fee is there on the XXXX of the month. I'm now faced with paying these erroneous fees to get my car title. It's frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX   issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.

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