BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
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: Information belongs to someone else

Complaint:
I recently pulled my Experian Credit Report and there are 2 listed accounts that are fraud off of my credit report and reporting negatively and fruadulently. I have never held any services or received any good from the listed creditors ; XXXX XXXX XXXX XXXX Partial Acccount # XXXX ) This account was opened in fraud by someone who used my personal information to obtain. I have been going back and forth with bureau to get any identifying information on this fraudulent auto loan. ( Names, dates, signatures, payment accounts, addresses, etc. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) This account was also opened in fraud. 

I have filed identity theft forms, and also police reports, I can not take it to the next level of legal/ court standpoint because the credit bureaus will not furnish me with any identifying information on these fraudulent debts in my name. 

When these account were opened I was living in 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 non-monetary relief
Consumer complaint received 2015-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX hosted a XXXX time home buyers seminar that was mandatory to attend to qualify for an XXXX county first time home buyers grant. While attending this meeting the Host of XXXX XXXX XXXX stated we could get a free copy of our credit report from them and it would not count against us as it would be a soft inquiry. XXXX XXXX Mortgage handed out an application to get our free credit report right after that and we thought that is what we had to fill out to get the soft pull. 3 days later a hard inquiry is showing up from XXXX XXXX Mortgage. After speaking with XXXX XXXX Mortgage and XXXX XXXX XXXX, XXXX wrote a letter the other an email to help me get this removed from my report. I sent these letters as well as an explanation to the credit bureau 's. Their response was I could not request for an inquiry to be removed only the company that pulled the credit could call the business department to have it removed. I forwarded this information on to XXXX XXXX Mortgage and was told it would have to be reviewed by there back office to see what could be done. I never recieved correspondence for 2 weeks. I call back and was told that they were unwilling to do anything at this time. 
I would like this hard inquiry to be removed from my wife and I 's credit as it was in error pulled by the wrong company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
RFC XXXX {$2000.00} and XXXX Amount {$1500.00} are reporting on my account and both are the same thing. I have no knowledge of this debt and Equifax continues to say they verified but will not tell me what evidence they based this on. I have contacted XXXX and they stated the account is listed with the debt collection CRA. The company has no agreement of signature binding me to this alleged debt. They state that a live check was sent to an address that I did n't live at. Equifax did n't follow guidelines as specified by XXXX or else they would 've removed this account from reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
ALL XXXX of my credit bureaus have my maiden name listed. I have gotten married, got divorced from my XXXX marriage, and got remarried this year. These people need to listen and change my XXXX name!!!!! My maiden name is no longer valid!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a   XXXX   XXXX   XXXX   XXXX   helping a client get a modification on his mortgage. The servicer  is PHH a nd I have had continued problems with them regarding this case.   My client recently started receiving    XXXX  . W e sent the servicer the award letters showing how much he will be receiving. We also sent him an explanation letter stating that he applied for direct deposit but that it would take some time before it would begin to show in his bank account.   In the meantime we showed that the client was depositing his check into his account every month. His direct deposit just started in   XX/XX/XXXX .     PHH keeps in sisting that they nee d two months  worth of deposit from Social Security. We have submitted a fully documented hardship request along with a third party authorization.   The servicer keeps sending out missing docs information for the same documents that have been submitted.   The most recent package was sent  XX/XX/XXXX  of this year. Soon after they received it, they sent back the missing docs letter asking for information that was already sent.   My client has   XXXX   XXXX   and he is on  XXXX . He would not be able to tackle this issue alone, so I am advocating for him.   Now with his income he is able to pay his mortgage, b ut PHH is mak ing it really difficult for him to get a modification. My client has a lawyer from legal project working on his behalf as well.   This has been going on for several months and it has gotten to the point where I just needed to make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Ad Astra Recovery Services Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I started receiving calls from Ad Astra Recovery in the beginning of XX/XX/2016 in regards to an alleged debt owed of {$730.00}. I had no idea what was going on so I sent multiple of dispute letters starting in XX/XX/2016 until now. Astra Recovery simply ignored my request for validation. They were reporting to all XXXX bureaus ( XXXX, XXXX and XXXX ) of this debt. In an attempted request for validation notification of this debt, Astra Recovery has failed to send me any proof of validation per law. It 's now been 9 months. In review of my credit report within those 9 months, all Astra Recovery stated was that account was disputed by consumer and met FCRA requirements. 
Astra stated that a validation letter was sent to me along with 9 other letters. I never received a validation letter because if that was the case I would have disputed it the moment I received it. I 've attached a copy of one of the letters that I actually received of which Astra states is part of the validation only per law states otherwise. 

Astra states they will send the validation again but have not yet to receive it. This ignorance of request for validation has gone on for almost a year and per law needs to be removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Sunlight Financial LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2021, XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX XXXX came out to do a home check to see if we would qualify for Solar Panels. After telling us we qualified and rushing us through the contract process he left. Days later on XX/XX/2021, we received an email from Sunlight Financial saying they were our lender for the Solar Loan approved by XXXX XXXX XXXX XXXX XXXX XXXX. They sent us terms we never agreed to via email. XXXX XXXX XXXX used our Signature and Initials from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contract on the Loan Application with Sunlight Financial without our approval or knowledge that it was even taking place. We never saw the information on this loan application such as annual income or marital status we have no idea what information was even put on it. Sunlight Financial gives me the run around, transferring from department to department telling me it is the Originations Department that handles this process, yet no one seems to have heard of that said department and will not send me a copy of the loan application I requested. After reading the terms I see the payment will increase automatically, this is another term we were unaware of and did not agree to. This lender is another fraudulent company working together with XXXX XXXX XXXX XXXX XXXX XXXX and using Predatory Lending Practices. 
XXXX XXXX XXXX XXXX XXXX XXXX has recently filed for XXXX  XXXX Bankruptcy listing us the customers as creditors on the public bankruptcy file. Leaving us and many other customers with faulty equipment, empty promises on the return rate of our solar energy ( paying double on bills as our electric bill has not lowered as promised ), warranties no longer valid, thousands in debt to lenders still seeking payment. Sunlight Financial needs to be investigated many Attorney Generals from several states are now filing class action lawsuits as well. The lenders involved including Sunlight Financial should be forced to stop all payments, issue refunds and this should not affect the customer 's credit history. 
We the people are seeking justice for fraudulent criminal activity. Thank you in advanced for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Billing statement

Complaint:
At some point XX/XX/XXXX or XX/XX/2016, I discovered that an item I had purchased had n't shown up. I decided to look into all my statements to find out if the item had been paid for. I decided to log onto the Capital One website and set up a login name and password. I did so and checked the statement. Everything seemed ok so I moved on. I had been receiving my statements in the mail for the past 21 years from Capital One and had always paid on time. I rarely use my credit cards and prefer to use my debit cards. I did however have my phone bill tied to the Capital One account in order to keep a little activity there. XX/XX/2016 I went to use the Cap One card and it was declined. I called Cap One and they told me I had an unpaid balance that was over 120 days late. I immediately paid the small balance and all the late fees right then and there. After several attempts to discuss the matter with someone over the next few weeks I had pieced together the fact that when I logged on the site XX/XX/XXXX or XX/XX/XXXX, I was automatically signed up for the paperless service. I did not know this at the time. I was told that there was a box that is checked by default and that I needed to uncheck it in order to not be automatically enrolled in the paperless service. I 'm not here to argue that the payments were not late because technically they were. I 'm here to argue the fact that because I was automatically switched over to paperless billing without my knowledge, I wound up missing 4 months of payments. I was never notified by mail or a phone call from Cap One. I now have to put off a new home for several years because I am dealing with a FICO score XXXX due to their automated paperless feature. I ca n't imagine that this is an isolated incident as I 've looked into it and have read about it happening to others. I find this to be very unfair for someone who 's always had excellent credit. I simply want my credit restored. Capital One has been unwilling to address the issue and remove the negative info. As for lost money, it 's going to cost me in the future over 1 ) much higher interest rates and 2 ) anticipated home appreciation ( XXXX County, CO : over XXXX % increase in 2016 ). One ca n't earn let alone save money fast enough here to keep up with the hosing market. I 'm guessing it 's a loss of over XXXX-XXXX on a 15 year loan due to increased interest rates since I 'm high risk. If I wait it out a year or two for my credit to improve slightly then XXXX-XXXX on one year 's anticipated appreciation of a XXXX home ( being conservative ), or another way to say it is that I 'll be potentially looking at a $ XXXX- $ XXXX home in two years that I could be buying now for $ XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
In XXXX of 2014, I tried to refinance my home loan, only to find that a loan that I had co-signed for my sister, XXXX XXXX, was reported in collections and past due by {$260.00}. ( see attached ) This prevented me from obtaining my home loan, which I was pursuing through XXXX. This is erroneous and further more insulting when Portfolio Recovery Associates provided very little information, when talking to their representative by phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: CarMax, Inc.
State: CT
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:
Carmax Auto Finance reported me 30 days late to credit bureua for the month of XXXX. My payment for XXXX is not due until XXXX XXXX. Although i am 8 days late i should not have been credit reported 30 days to credit bureaus. I am not 30 days late for XXXX payment until on or after XXXX XXXX. I am requesting that the 30 day late mark be removed from credit file and I wlll not pursue further action. I have tried to handle directly with Carmax but was neglected. I have also attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am currently disputing this account and transunion recently completed their investigation and deleted it of my report. I am waiting for XXXX and XXXX to finish their reinvestigation because the balance is incorrect. It has been deleted on all XXXX of my reports but XXXX and XXXX are not done with their investigation. 

Here is the full story : This collection agency company is very unprofessional and are scammers. They bought my old XXXX retail account when my account was closed because i was unemployed. My XXXX account was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. My credit limit was {$2700.00} dollars and my ending balance was {$2400.00} dollars. My last payment date through XXXX was in the amount of {$20.00} dollars on XXXX XXXX, XXXX. Midland bought this account XXXX XXXX and first reported it to the credit bureaus on XX/XX/XXXX. I received couple of calls from midland around XX/XX/XXXX when they purchased it informing me that they are now the new owners of this account and to set up a payment plan to prevent them from reporting it on my credit report but i couldnt do it because i was still unemployed. The charge off amount was {$2400.00} dollars. Fast forward to XXXX XXXX when i contacted Midland funding to try and settle this account and things became a nightmare. I asked them if i could pay the entire debt amount in exchange for a deletion and was informed that they do not do that which was find. At first, they offered me XXXX % and when i called for payment couple of days later i was told that the offer no longer existed and i must pay the full amount or set up payment to prevent a lawsuit. I asked them to send me a debt validation letter since I had moved out and have not received any letters from them. When I received the letter, it was very brief and they increased my balance up to {$2800.00} dollars. On the same letter which i still have, Midland funding stated that they have not charged me any interest since the charge off which is strange given the fact that the charge off amount was XXXX dollars. On the next couple of days, whenever i called I always speak to a different representative who tells me a different story. They would tell me how they have a offer for that day only and to make a payment and when i asked for a mail stating the new terms before i can make any payments, they become rude. I disputed the balance through their consumer department and when i spoke to someone in that department, she actually asked me to tell her my original balance. In other words, they illegally increased my balance and have no record of my original data. I have no problem paying for what i owned but i have a problem with how Midland funding is so dishonest and unprofessional. Their representatives need more training when it comes to dealing with the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: SC
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:
XXXXXXXX XXXX XXXX XXXX IS REPOTING AN ACCOUNT THAT IS INACCURATE. THE ACCOUNT HAS BEEN PAID IN FULL. THE REPORTING AGENCIES DO NOT HAVE PERMISSION TO EPORT THIS ACCOUNT.

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 2017-03-02
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I agreed to a 1 year insurance policy with XXXX XXXX ( XXXX / XXXX XXXX, CA XXXX ) for my condo unit in XX/XX/XXXX. 

In XX/XX/XXXX I began to receive notices of past due amounts for a renewal of this insurance policy. I notified XXXX via telephone and email that I no longer wanted their services, thus the reason why they had not received a renewal payment. The reason why I did n't want to renew with them was due to their lack of attention and detail to my account while I had them. 

I then began to receive past due notices in XX/XX/XXXX from another representative in their office XXXX ( XXXX ) asking for the same amounts be paid, however I had told them I did n't want to continue with their services yet again in XXXX. 

On XX/XX/XXXX I received a notice in the mail from Credit Collection Services ( XXXX ) a collection notice in the amount of {$130.00} from this XXXX office. I immediately contacted XXXX who said she would have their office manager ( XXXX ) contact me regarding my concern ( she has not returned my calls ). She also said that I just needed to send her an email saying I have another insurance policy with another company and they would excuse the amount due. 

My concerns are the following : * I notified this office several times to cancel and they did n't. 
* They are billing me for services I did not want and are now sending me to collections. 
* They are unable to explain in detail how they calculated {$130.00}. 
* XXXX is now asking that I provide proof ( signed contract ) that I signed up with another insurance company before she removes the claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I receieved a new card in the mail a few months ago. I tried to activate it online when I was prompted to call a number because there was an isue with the account. I called the number and was informed the account was restricted because it had been flagged for fraud. I was told in order to remove the restriction I would have to verify my identity as well as the identity of the co-signer on the account. I immediately informed them that I would not in any way be able to provide documents for the co-signer as I no longer have any relation to this person. I also informed them that I wanted this person removed from the account. I was told that this would be fine and that a link would be sent to my email for upload of documents for my identity. During this process several other calls were made to check progress, etc. during none of which I was informed that i would still need to verify identity of co-signer. During XXXX of the last few callsI made ( about 2 or 3 weeks ago I was informed the only thing we were waiting on was my proof of address. ) This was then sent in after which a few days passed by and there was still no response. I then decided to call and check progress, it was in this moment that I was informed that my identity had indeed been confirmed however they were waiting on the documents for the co-signer. I explained the situation to the person attending my call and was then provided with the extension number for the person working my case ( who by the way either just does n't answer the phone or is never in office, name : XXXX, extension number:XXXX. case number I was assigned by capital one is : XXXX ). I left several messages with this person to no avail. This morning I called again and still no answer, so I called back to the regular offices only to be told the same story, which at this point no longer bothers me ... .even though it is my account, under my name, with my money and I do n't feel, especially after they had told me it would be fine, that I need to verify any other identities besides mine ... ... .what bothers me is that they wo n't even cancel/close the account. I am being forced to have an open credit in my name which I can not use and have no access to.

Company response to consumer: Closed with explanation