BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: LCO Financial Services, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Due to financial hardship, I was unable to make my semimonthly loan payment. I requested ACH ( automatic withdraw ) to be removed from my Blue Trust Loan account on XX/XX/18 via email and again via telephone on either XX/XX/18 or XX/XX/18. I received verbal confirmation that this was done. Despite this, on my next payment due date, the full amount was automatically withdrawn from my account. When I called to complain, I spoke with " XXXX '' and was again told that ACH was going to be removed from my account, but they would not refund the amount taken without my approval. I was essentially told that I owed that amount and they could collect it via ACH even without my approval. I am concerned they will continue to automatically take money out of my account without approval. I called the bank and they were likewise unable to stop payment.

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 2018-05-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a timeshare mortgage with XXXX XXXX in XXXX XXXX, NJ. I am actively working to legally get out of my contract with a timeshare release company. XXXX  has been notified and has been corresponding with me and the company about the timeshare release agreement. However, XXXX  under the name XXXX XXXX XXXX recently reported my account as past due to the Experian credit bureau. I was not even notified about this until my credit was ran for an unrelated matter. The delinquency for XXXX XXXX only appears on one credit bureau, Experian. I have contacted XXXX and XXXX XXXXl ( who is their third party billing company ) to dispute the balance they have stated as outstanding. XXXX  is claiming I owe them {$6200.00} but this is inaccurate. I have been paying a fixed monthly payment of {$110.00} from XX/XX/XXXX to XX/XX/XXXX. This payment was withdrawn automatically from my credit card each month. I have monthly credit card statements to verify it was being paid. The original amount financed was {$6000.00}. So, I can not understand how I could owe them more than what my contract states if I have been making payments for almost 2 years. I called XXXX and they would not explain it to me or provide me with a breakdown of how they came to this amount. I requested a copy of the billing statements they claimed to have sent me and the person I spoke with told me to call their legal team and would not assist me any further. I have a right to question the validity of the debt that is put under my name and tarnishing my credit. If XXXX XXXX are not willing or uncooperative in providing this information, I want the delinquency removed from my credit report.

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 2019-09-05
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a loan with XXXX XXXX and it got sent to collections with AD ASTRA, I got a notification from XXXX XXXX yesterday saying that my collection account has decresed, I checked the account and the statement says it went down {$1.00} so it went from {$800.00} to {$800.00}, I have not made any payments to the account and it has bee nthere since XXXX, I have not had any communications with this company other than it showing on my credit and I also did not make a payment to them in the amount of {$1.00}, they are falsifying this information that is showing up on my credit report. 

The document I uploaded was reported on XX/XX/XXXX and I got the update to my phone on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This servicer has repeatedly reached out to us stating that they have been unable to confirm our condo 's master association policy. We have sent this policy to them, and so has the association itself. There is no record of this servicer actually reaching out to the association, and now after us ( and the association ) sending the policy, they are now reaching out to us again claiming they have been unable to get the policy. At this point this servicer is either lazy or does not have the capacity to do basic due diligence. I'm not sure if they're trying to do some sort of scam so that they can issue some sort of self-dealing master policy. Regardless of what it is, I am requesting oversight over this situation so that this servicer realizes the basic responsibilities it has for a conventional loan in a common community. 

I am attaching proof of the previous emails that were exchanged, how they also have the contact information of the association, the policy that was sent ( which doesn't expire until XXXX of 2022 ) by both us and the association, and how they somehow still sent another request for this same information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: EQUIFAX, 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 status incorrect

Complaint:
Original CFPB Complaint # XXXX Against XXXX XXXX XXXX XXXX In XXXX or XXXX we refinanced our XXXX XXXX XXXX XXXX XXXX. The original loan was with XXXX XXXX XXXX XXXX. We refinanced the loan with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX Texas. XXXX called XXXX XXXX XXXX and received a payoff of the loan good till XX/XX/XXXX. XXXX issued a check in the full amount provided by XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX did not submit the check from XXXX until XX/XX/XXXX per XXXX records. XXXX XXXX XXXX began reporting late pays on both my wife 's and my credit reports for the difference between the payoff provided thru XX/XX/XXXX and when they deposited the payoff check on XX/XX/XXXX. These late pays continued through XXXX of XXXX. We only aware of this in accuracy the week of XX/XX/XXXX when working to make a major purchase. XXXX XXXX XXXX XXXX actions are unacceptable based on their internal processing of the check. We should not have been penalized/reported late on our credit reports. This has significantly damaged our credit rating to the point that we are now unable to obtain a loan on our pending purchase. We have attempted to resolve the matter with XXXX XXXX XXXX to no avail thus far. We continue to receive stall and deflect actions from them. We now at the point of losing our option on the purchase we were attempting. Based on information provided by XXXX, the payoff amount check was issued and mailed to XXXX XXXX XXXX 8 days prior to the payoff date provided of XX/XX/XXXX. XXXX XXXX XXXX should not have reported to our credit reports due to their inability to process payments in a timely manner. 

The issue above was resolved with XXXX XXXX XXXX XXXX to correct all incorrect reporting from the furnisher ( XXXX XXXX XXXX XXXX ) in XXXX of this year. We received a letter from the Office of the President that outlined the steps they would take to correct the wrong reporting. ( Attached ) XXXX XXXX XXXX XXXX sent to all three Credit Reporting Agencies ( CRA ) XXXX, Equifax, and XXXX the correct information to be updated and reported on our accounts. The CRA 's were to remove any and all derogatory comments related to the XXXX XXXX XXXX trades, payment history, payment status, all late payments, any reference to charge off and/or settlement. In addition we were refunded two checks from XXXX XXXX XXXX for the charges that were incorrectly billed to us in addition to the above. The CRA 's have only made a portion of the corrections to our accounts and left other incorrection information in place. If fact, some of the initial changes that they made, they have changed back to derogatory 30 days after the corrections were made. This has caused my credit score to drop 47 points as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE TRIED NUMEROUS TIMES TO HAVE THE NEGATIVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. NOW I HAVE SENT POLICE REPORT AND MY IDENTITY THEFT REPORT TO THE BUREAUS AND I HAVE ALOS SENT THEM THE LAW THAT AFTER 7 YEARS THE NEGATIVE ACCOUNTS MUST BE REMOVED FROM REPORTING. THE CHARGES ARE FRAUDULENT, THE ACCOUNTS WERE OPENED WITH OUT MY KNOWLEDGE, PLEASE REMOVE THE NEGATIVE ITEMS FROM MY CREIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Synovus Bank
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Synovus added {$7100.00} to the principal balance of my mortgage. On XX/XX/XXXX I called their customer service # to find out what this is for. They could not provide an explanation as to why this happened. I have made all my payments on time and have no idea why they added this amount to my balance. I want this reversed ASAP and any interest credited back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax today XX/XX/19 at XXXXpt to dispute something on my credit report because they still haven't fixed there mobile site after 12 months of it being broken .I was on the Equifax website and called there customer care and was greeted by a nice XXXX man named " XXXX '' who I gave all my personal info to including my SSN only to be told I didn't pass there security screenings and that I had to go to the BROKEN web page to file a dispute he also gave me another website www.investigate.equifax.com when I asked if he was Equifax he got very shady and tried to give me the run around so now I don't know who I just gave my personal info to neither does the company I called and I want my identity protected from this credit agency shady practices

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was notified by Ally Bank that a fraudulent checking account was opened in my name even though I have never banked with Ally.

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 2018-11-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX, XXXX I applied for loan consolidation through studentloans.gov. Navient was my servicer at the time so they processed the consolidation. I selected all existing loans on studentloans.gov for consolidation. I didn't leave one out. I wanted everything consolidated. On XXXX XXXX I called Navient and spoke to XXXX to cancel the consolidation process due to error in selecting intended servicer. I had selected XXXX XXXX by mistake. I wanted XXXX to service my loans after consolidation. XXXX told me I had a loan summary letter produced on XXXX XXXX informing me of the details of the consolidation. I had 10 days from date of letter produced to make any changes. I was well within the 10 days. XXXX submitted a request to the back office to cancel the consolidation, and informed me I should get a letter in the mail once it has been canceled. 

I never got that letter. Instead I got a welcome letter from XXXX XXXX dated XX/XX/XXXX. They had processed the consolidation and completely ignored my request to cancel. 

The consolidation didn't include all the loans as I had originally applied for. 2 separate loans were later consolidated on XX/XX/XXXX. I don't know why this occured, outside of the original consolidation process, nor was I notified of it taking place until it was finalized. I had called 2 days earlier and spoke with XXXX to have the consolidation canceled and yet the isolated loans still were processed. 

I then tried to file a complaint within their site, but to no avail. I called on XX/XX/XXXX and spoke to XXXX, a consolidation loan specialist from Navient. She could not resolve my situation despite confirming my request made weeks earlier on XX/XX/XXXX. XXXX informed me she would submit another request to higher ups. 

I also called XXXX XXXX to cancel the consolidation but they could not help me. They told me to call Navient. 

All Navient has done is spin me in loops. Give me the phone number to XXXX who would in turn have me call Navient to cancel the consolidation. I can never get anyone from Navient with authority to cancel or resolve my situation on the phone. All they have been able to do is submit requests to higher ups or back office, whom I never get any response from, ever. They have me wait and wait, for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: F.H. Cann & Associates, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
F.H. CANN & ASSOCIATES , INC. threatened to XXXX, and XXXX  my XXXX  if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Account status incorrect

Complaint:
Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not! 
To Whom it Concerns, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question : XXXX XXXX XX/XX/2013  The alleged delinquent and or derogatory claim ( s ) of information above listed is deficient the mandatory demonstration of current certifiable compliant reporting of only physically verified factually true, correct, timely, adequately complete, and or ELSEWISE undoubtedly validated claims. Delete today, even right now to return to and or retain ethical and lawful reporting and standards of consumer credit reporting practices. 

Sincerely, 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 2021-08-06
Company: EQUIFAX, INC.
State: IL
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've recently notice an account on my credit report that do not belong to me. I filed a FTC report and mailed it certified mail to Equifax more than 30 business days ago. Equifax has no verified the account and still has not removed the account. According to the FCRA reporting agencies must verify all information before reporting to a consumer credit report. 

Account Name Account Number XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with Experian on XX/XX/2020 about a fraudulent account ( XXXX XXXX XXXX XXXX ) and on XXXX XXXX I was notified that this item was deleted and blocked from credit report. In XX/XX/2020 this items reinserted but onto my credit report. According to the FCRA requirement Section 611 ( A ) ( 5 ) ( B ) ( II ) the agency is required to notify me of the reinsertion in writing within 5 business days. I received no such notification at all of this reinsertion. So the Credit Agency ( Experian ) is in direct violation of the FCRA.

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 2018-05-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have notified the credit agencies that I was a victim of identity theft. Equifax is the only credit agency that has not complied with the rules and regulation to remove the Time Payment account from my credit file. Please help me in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Collection account XXXX XXXX XXXXXXXX XXXX amount of {$4300.00}. This collection does not belong to me I have sent XXXX XXXX   XXXX XXXX a debt validation they have not responded and disputed this with XXXX and Experian and collection is still being reported

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXXXXXX XXXX XX/XX/21, XXXX XXXXXXXX XXXX  XX/XX/21XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation