BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan was sold to SLS in XXXX of 2016. Prior to that, I had been with XXXX Mortgage. Since the transfer of my loan, I have received XXXX letters stating that my insurance coverage was insufficient. The first time that I called in regards to the letter, I was told by SLS that I needed to have enough insurance to cover my existing loan balance. I verified with my insurance company that my insurance amount was enough to cover the replacement cost of the dwelling, which according to Virginia XXXX XXXX is what a mortgage company is allowed to require. After receiving this second letter in XXXX, I again called the company to complain about receiving the letter. I was told that the mortgage company just looks at the insurance amount and the loan balance amount to determine if a letter goes out, and not the assessed value of the property. As someone who works with the elderly and XXXX, receiving this sort of letter would be confusing and threatening and could lead to these consumers purchasing additional insurance that they would not require. When I pointed this out to the representative, he was less than receptive. I feel that SLS needs to stop sending these letters out to consumers using their current metric for determining who receives a letter.

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 2022-08-04
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX, XXXXXXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Collecons : 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 XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  Name : XXXX XXXX XXXXXXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX Equifax Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Affirm Holdings, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XX/XX/2021 my cell phone account ( XXXX  ) was stolen and all my personal information was available to that person through my online account. Even though I had double security on my account XXXX allowed it to happen. i was able to get that fixed. However, same people applied for an loan through Affirm for a XXXX vacation. All happened on XXXX XX/XX/2021. I contacted Affirm before loan was finalized and they assured me it would not be finalized. Explained the situation and I was assured everything was corrected. Then I contacted XXXX on XXXX XX/XX/2021 explained to them the situation and they canceled the reservation due to it being fraud. I was calling them from Florida on XXXX XX/XX/2021 and 3 rooms were booked for XXXX XXXX for XXXX XX/XX/2021 with my name on reservation. I was told they would have to show identification to check in. I was reassured again all was taking care of. I have requested copies of loan documentation and identification from Affirm  and XXXX. Affirm  has requested that I provide my drivers license and I do not feel right about doing so. This company I feel wants my ID to cover up their fraudulent practices. They have added this loan to my credit report with extreme delinquency and is affecting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Northstar Location Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Northstar Location Services , LLC, a part of The Northstar Companies, has telephoned my home looking for someone named XXXX XXXX # XXXX. I am not that person, I do not know that person, and that person has never used my telephone number since I have owned it for 25 years. In order for the unwanted telephone calls to end, I am required to telephone the company. I should n't have to do that as an innocent, uninvolved person.

Company response to consumer: Closed
Consumer complaint received 2015-04-29
Company: SANTANDER BANCORP
State: PR
Product: Credit card
Issue: Billing disputes

Complaint:
I had a credit card with Banco Santander XXXX XXXX which I did n't use for many years, so the balance was XXXX. They collect an annual charge of {$45.00} and maybe that 's ok. but suddenly they started to charge late fees and other fees up to {$90.00} I tried to negotiate with them opening a claim but they declined turn down and charge off the account for just {$90.00}. Practices like that are really abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being contacted by Northstar XXXX XXXX, XXXX, New York, for information about someone else. 
I told them I have no information for them. 
I asked them not to call me. 
I keep getting calls on my cell phone while I am at work. 
I have no idea how they found my information because I am not a co-signer or co-debtor. 
I do not want them to call me again.

Company response to consumer: Closed
Consumer complaint received 2018-05-28
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approximately 4 months ago ( XX/XX/XXXX ) I reviewed my credit reports for all 3 credit bureau agencies and I noticed that AFNI is reporting a debt of {$730.00} that I am unaware of via XXXX & XXXX. Approximately one month later ( XX/XX/XXXX ) after requesting validation via a dispute, AFNI sent me an itemized bill stating that they were validating the debt. There was no signed contrtact with my signature attached and therefore they havent been able to provide any proof that this is my debt. AFNI continues to send me bill statements as an attempt to validate this alleged debt, and since they are unable to provide proof that I entered and/or signed a contract with them I would like for it to be removed from all of my credit files that they are reporting this debt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied for an income based repayment plan on XXXX XXXX, 2016 because I could n't afford my monthly payments. I made the XXXX payment. I then called on XXXX XXXX, 2016, to inquire about my status. I advised I was unable to make my XXXX payment. They told me they could put me in a forbearance state while we waited for the income based application to be completed. On XXXX XXXX, 2016 they denied my application because i incorrectly completed my XXXX XXXX application - I stated i was not in a forbearance, which was incorrect when they reviewed it on XXXX XXXX. 

Obviously the company has a financial incentive to kick my application down the road. Interest continues to accrue, and they advised me to apply for a forbearance. They did not tell me it would adversely affect my income based application. They then denied my application - telling me I could reapply. They also put me on a standard repayment plan now - represents XXXX % of my after tax income. I have accepted I will be sued by this entity in the next couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have contacted this company 4 times about account numberXXXX- I have been ignored!!! I need your help maybe they will respond to you. I have no idea what the account is for or who it belongs to it just appeared on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I used the Synchrony Bank financing offered by my plumbing company to pay the bill for the major repairs they made when a pipe burst in my rental house XXXX XXXX. I chose the 6 mo/0 % interest option expecting the insurance claim plus my wages from tutoring would cover it. A few days later, the claim was denied. If I failed to pay in XXXX months, the interest rate would go up to 26.99 %, so the plumbing company Operations Manager agreed to change my contract to the 14.99 % revolving option. We made that revision XXXX XXXX and he faxed it to Synchrony Bank as he customarily did. But, the XXXX XXXX statement from Synchrony Bank still showed the charge with XXXX month financing. I called Synchrony Bank 's " Customer Care '' line and had a lengthy chat on XXXX XXXX the agent said only the " Merchant Care '' department could make the change if the company sent revised paperwork to Synchrony Bank. The agent refused to give me the fax number or to connect me with someone who had more authority in the " Customer Care '' department. I called the plumbing company immediately and their Operations Manager then called the " Merchant Care '' line and was told the change would be made if he re-sent the revised contract by fax which he did that day. Nothing was changed. When the Synchrony Bank statement arrived, I would call " Customer Care '', chat again longer each time and would be told the same thing as the month before. Again, I would call the Operations Manager who would call Synchrony Bank 's " Merchant Care '' and be told they did not have any paperwork that showed the finance option terms were revised, so the Operations Manager would re-send all the documents the agent wanted. Now, the XXXX XXXX deadline is very close. Both the Operations Manager and I are very frustrated with Synchrony Bank. I ca n't help but default on their XXXX month contract because my tutoring job ended. I live on a low fixed income, so I ca n't possibly pay the entire amount by then. The default will be bad for my credit, but more than anything else, I 'm worried because I wo n't be able to make the high interest payments if Synchrony Bank wo n't change the finance option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Recently this company has shown up on my credit report. Tek Collect has failed to contact me through any various means ( phone, email, mail ) regarding the amount or creditor I supposedly owe. I do not believe I owe a debt in the amount of {$130.00}. I have also not been able to find solid information on this company and have read some disheartening reviews on their processes

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Wallet pick pocked in 2013, promptly notify bank and filed a police report. 
New credit card issued, but Credit card company ( HSBC ) fails to remove fraulent charges from 2013 from old credit card number ( account ). 
Tell me everything is okay and that I am not responsible, but the amount owed keep going up. 
Keep sending emails that I need to pay due to outstanding balance. 
No resolution after numerous phone calls since 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have an account with PayPal Smart Connect Credit since XX/XX/XXXX and I have been making the monthly payments online without checking the statements. I recently noticed that the balance was the same even though I was paying XXXX dollars every month. I went online looked at the statement and saw that part of my payment was going to interest and the other part was going to some other charge that I had no idea what it was. I contacted PayPal Smart Connect Credit owned by Synchrony Bank to inquire about the unknown charge and was told it was credit insurance. I told the representative I did not sign up for credit insurance. He told me he would cancel it. They sent me a letter saying it was canceled effective XX/XX/XXXX but never credited my account for the insurance payments that I have been paying unknown to me since XX/XX/XXXX. They were charging me XXXX per month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
TRANSACTION XX/XX/XXXX ... .. {$99.00} ON MY SYNCHRONY/WALMART MASTERCARD THIS WAS A FRAUDULENT TRANSACTION AND WAS REPORTED AND THE CLAIM WAS APPROVED BY SYNCHRONY BANK ( LETTER DATEDXX/XX/XXXX ) THE ACCOUNT WAS CLOSED. LETTER DATED XX/XX/XXXX I HAVE BEEN SENT STATEMENTS WITH CHARGES OF THE FRAUDULENT TRANSACTION, FEES AND INTERESTS. I HAVE NOT PAID. 
I WISH THIS TO BE REMOVED FROM MY RECORD FOR THE CREDIT SCORE.

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 2016-02-04
Company: ENCORE CAPITAL GROUP INC.
State: VI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Since XXXX, after I returned from working over 3 years in XXXX, I have been trying to resolve an issue of Asset Acceptance Corporation, LLC to stop reporting a fraudulent account on my personal credit report. I tried yet again in XXXX of XXXX to which a dispute was filed at the credit bureau 's and the company is still refusing to stop reporting this fraudulent account by simply stated that they verify that they account is mine when the originator of the account which is XXXX has clearly stated that this account that they are referring to does not exist and that I do not owe them any money relative to they account that they are claiming that I owe. 

I have tried contacting the company previously and presently tried to contact them again using their number listed on my credit report but the number does not work. XXXX stated that they have no such account for me on file and that I have no outstanding balances and they just issued me a new credit card just last month. How can I have XXXX credit cards open for the same company especially when I settled on XXXX before? You can only have XXXX personal credit card open with the same company respectfully. Asset Acceptance Corp, LLC is intentionally hurting my credit score and they need to stop it immediately or I will try to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding LLC attempted to sue me for a credit card debt. During the discovery process, attorneys for Midland Funding LLC determined they were unable to prove I own this debt and the case was dismissed in XXXX 2014. Midland Funding LLC has continued to send me letters demanding payment of this debt for the past year and is still reporting it on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I got a reply and my phone is not working. I tried to call but it is shutting down. You are asking for more info but the person I talked to said he needed the reporting agency I reported it to. That do n't make any sense to me as you have it on your own paper work. What is it you need or require to move forward with this complaint? I am telling you I am requesting each item you say I bought with this credit card? that you have itemized without the full date and my signature on each receipt that I actually bought the item. I do n't want any phone contact. I want proof that you ask me questions and I respond. This has been going on long enough now and needs to end. I also want to be assured the eliminated debt that was to be removed from reporting will not be resold and start this over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a number of accounts with Synchrony Bank. I have opened complaints before concerning this same issue but it has evidently not been resolved by the bank. First- when they call they call as " UNKNOWN ''. I do not answer unknown calls. Secondly when I call back or call them they ask for an account number? WHAT account number I have a minimum of XXXX opened by retailers who use the same source which I do NOT like. I owe it all to XXXX company. Next their automated system does not work, rarely works and almost always forces me to switch to a live person who supposedly speaks English but CAN NOT COMPREHEND IT. Next rarely can you get a manager if ever. Then I get late fees or charges because the payment is past due. In my opinion I find this as unbelievable yet the state of affairs in this nation today. I asked for Customer Service and after multiple attempts they hung up. Wow and you -respectfully- are evidently a hollow shell who can not do anything but state you help consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
DISPUTED TO CREDIT REPORTS AND THEY ANSWERED THIS WAS FACTUAL. THIS IS NOT MY INQUIRY. IT IS SHOWING AND IS FALSE INFORMATION AS I HAVE NOT APPLIED FOR CREDIT WITH THIS COMPANY.

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 2015-09-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Company has asked me for sources of income insisting on using student loan money to pay back loans. My understanding is that student loans are under federal jurisdiction and as per stipulations regarding students loans ; Money borrowed can not be used for purposes other than education. I do not believe it is right consciously knowing that it is not allowed that the company is suggesting using these tactics nor are the personnel qualified to make suggestions of that nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management called. They were told that there is no debt. I get at least 5-6 calls a day from them. I blocked the calls on my phone. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wellsfargo mismanagement of account lawsuit

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 2016-08-22
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my parking ticket that was received in the city of XXXX XXXX. I should not be receiving this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Conn's, Inc.
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Whenever I am 24 hours or more late on a payment the Conns, company, auto dialer repeatedly calls me ever couple hours with an average of 10 times per day or more. This is excessive and I consider these actions harassing. I understand an attempt to contact me once a day with a voice mail message if I do not answer should be sufficient. This company calls me twice in a row every two hours starting at XXXX. I have blocked the number calling me and they change it.

Company response to consumer: Closed with non-monetary relief