BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: CO
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:
This has been going on with Experian, XXXX, and XXXX for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked XXXX, XXXX and Experian, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at XXXX once over there phone, and they said that since the creditor is a member to XXXX they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you

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 2017-07-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a current line of credit with SLS and the loan comes up due on   XX/XX/XXXX  as ballo on payment of {$330000.00}. I called them and asked if this loan can be refinanced or term can be extended or whatever it takes to continue my payments, they said to apply, I did and they denied my application because the investor will not work with me and either I have to pay the full balance of {$320000.00} or sell my house. I am retired and this is the only home I have, I am not able to refinance the loan because o f 2 reasons, one I a m on fixed income and the bank will not give me a loan and second, I dont have enough equity to refinance the loan. As I mentioned earlier, my husband and I have lived her most our lives and are retired couple, we have always made our payments on time and we are current on both of our loans. All I am asking for is for them to allow me to continue making payments on the loan.

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 2022-01-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Evaluate this account : REGIONAL ACCEPTANCE CO XXXX Balance {$10000.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$10000.00} balance indicating if it is a charge off 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 2020-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Accounts couldn't be paid due to wifes medical and loss of work. Both of my capital one accounts went into collection. A company called " XXXX XXXX XXXX '' handled the accounts through negotiation in XX/XX/XXXX. Both accounts were paid in full, but never removed from my credit reports. XXXX XXXX XXXX has been trying to help me get these fixed with no help. Capital One is saying I still owe them money and wont update my credit report after settling their agreement terms. I have contacted Capital One over 10 times over the last month trying to get " payoff '' letters to fix my credit myself. They refuse to give them to me even though I have paid them.

One account had a balance of {$2900.00} and was settled for {$1400.00} with the last payment being made inXX/XX/XXXX. The other account had a balance of {$1200.00} and was settled for {$630.00}. The last payment was made XX/XX/XXXX. Capital one will not give me the payoff letters I am due to file on my taxes for XX/XX/XXXXyear. That is the legal requirement and I will be reporting them to the IRS also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

THE BANK XXXX XXXX XXXX {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXX, 2017, I went shopping at TJX in XXXX XXXX, RI and when I was checking out, the woman at the register told me that TJX is converting all of its card holder to Mastercard and that they are offering an additional discount if I would do it right now at the register. I told her I did not really care about doing this now but she kept baiting me with " we are giving an additional discount '' and when I said I am fine with waiting for the new card to just come in the mail she said : " well, we have so many customers and that could take a very long time so why not get the additional discount on your purchase today ''? I finally gave in and she then asked me to put in all of my information on the machine and I told her " this is a soft credit pull, right? as I am a customer already. She said you already have the TJX rewards and we are just converting over and when you get the TJX MasterCard throw away the old card. However ; it was a hard credit pull and now I have TWO TJX CARDS ; the ORIGINAL CARD AND THE MASTER CARD AND I AM NOW GETTING TWO BILLS AND I AM NOT SUPPOSED TO SHRED THE OLD CARD. So, this is a CLASSIC BAIT AND SWITCH AND I WAS IN THE PROCESS OF A MORTGAGE APPLICATION AND WOULD NEVER HAVE DONE A HARD CREDIT PULL. SO TJX IS SAYING ONE THING AND SYNCHRONY BANK IS ISSUING THE TJX MASTER CARDS AND ARE NOT AWARE OF WHAT IS BEING PROMOTED ; EITHER THEY ARE OR THEY ARE NO UPGRADING ALL TJX MAX CARD HOLDERS TO A MASTER CARD ( LIKE MANY RETAILERS ARE ) OR THEY ARE SIMPLY LYING AND SYNCHRONY BANK IS NOT ISSUING ANY APPLICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education Under 15 US Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.

Under 15 US Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan sold by XXXX to New Rez LLC dba Shellpoint Mortgage Servicing. New Rez ltr XX/XX/XXXX says their records show we don't have wind coverage as part of our hazard insurance policy. I called XX/XX/XXXX and subsequently emailed a certificate from our insurance agent to confirm wind coverage. The one in their file was from XXXX, the last time XXXX / XXXX asked for it. Our agent also put updated certificate in New Rez portal, per letter 's instructions. Never heard anything until XX/XX/XXXX ltr saying again they have not received evidence of wind coverage and put Lender-Placed insurance on eff XX/XX/XXXX at cost {$2800.00}. How is that even possible if they didn't ask for it until XX/XX/XXXX? I called again XX/XX/XXXX. Explained that we have always had wind coverage.New Rez said ins processing unit " doesn't think we have it and they want hurricane insurance ''. I pointed out their ltrs do not say that. Ins agent sent email XX/XX/XXXX confirming coverage up to full amount. Today New Rez said it is not acceptable and we must buy hurricane ins. This is another $ XXXX per year. Despite name of the town, house is not near coast on XXXX XXXX, and on slope of mountain at 4,000 feet elevation = not at risk from hurricanes. Only owe $ XXXX mortgage on house worth $ XXXX = 6 % of the value. The investor and servicer have no risk. Previous servicer XXXX initially confused about wind coverage in Hawaii, but agreed coverage is OK. How can New Rez just tell us verbally to buy new insurance when their own official correspondence does not say it and how can they do force place when I am still in the process of responding to them? If we buy hurricane ins it will cover " named '' hurricanes only. Current ins policy already covers all other wind events, just not those caused by a named storm. We never needed hurricane insurance since we built house in XXXX. If they want to make people get hurricane ins as a condition of a new mortgage, that's one thing. But shouldn't impose on good paying, low balance customer after all these years. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: NY
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 NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2018-02-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian only let me get my legally required credit report by signing up for a paid account. Then there is NO way to actually cancel that account. Their " cancel '' is to get a free account that still has your credit card on file. This is at best dishonest practice, at worst fraudulent in not allowing customers to cancel an account and have credit card information deleted.

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 2021-06-30
Company: Experian Information Solutions Inc.
State: FL
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 have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-07-23
Company: Account Control Technology, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There is various incident with this company for not presenting the entire options to me but only asking me to pay 82 % when I asked if there was any other option they told me. They have constantly emailed me stating my information will be sent to collection. I expressed on XX/XX/XXXX to the first agent I am not able to make that payment. I told her she can reach on a specific date which she never did, I had to call to follow up and when I did she literally started screaming at me telling her this, not her credit that will be damaged and she does care. This call was recorded I was upset and felt disrespected and the same time. She then apologizes. The information they are presenting is not accurate and they are not being very clear with what they are doing. 

I reached l on XX/XX/XXXX to clarify what was going on. They then mentioned there were various payment plans available this time but this was not stated in my first conversation. After they reported it to the credit agency which drops my score down 60 points. If I knew was making payment before given these payment options my account would have not been reported to the credit agency. I express this to the supervisor here name was XXXX # XXXX, before the called transfer to her there was literally a conversation about me and they had a full-blown laughing fest before speaking to me, how is this professional. She came with these very dismissive attitudes on the phone. I am not sure this agency should be in operation and their practices are not professional at all. I explain all this to her and basically shake it off. When I told her if I was given then payment options earlier which had 3 months / 6months/ 9 months and 12 months. I would not have my scored drop 60points. They are saying even if my account was making payment on it would have still been delinquent? 

I feel like this unfair treatment is how they go about targeting folks. The name of the agency is Account Control Technology Inc. XXXX XXXX XXXX XXXX XXXX, OH 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 2021-06-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Tuesday, XXXX XX/XX/2021 I received a debit card associated to a checking account with Wells Fargo. This account was opened without my consent or knowledge. After contacting Wells Fargo the account was closed. However, the account showed no activity and was not funded. A credit report pulled on XXXX XX/XX/2021 did not show a credit inquiry associated to a new account, as I feel is often standard to conduct a credit inquiry when opening an account. After discussing this activity with a third party I was reminded of Wells Fargo 's fraudulent activity similar to this in the past and decided to ensure notification to CFPB in the event similar activities are occuring again.

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 2018-02-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received official letter XX/XX/XXXX calls repeating to my number, husband number, sister, and son number. Attempted to set up a payment arrangement on XX/XX/XXXX due to XXXX check comes once a month, spouse has no job due to both of us in car accident XX/XX/XXXX. Company refused to set up payment plan and said it will go to credit report with or without payments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been attempting to contact this company ( Smith Rouchon & Associates Inc ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX  credit report in which they removed all three because they were in fact no validated debts. I have requested that XXXX does the same ; however, XXXX will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either XXXX nor Smith Rouchon & Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: GA
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police 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 2022-10-05
Company: Exeter Finance Corp.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a used XXXX XXXX XXXX XXXX about a year ago in XXXXXXXX XXXX  XXXX. I had originally signed up for {$690.00} a month, which is pretty high, but I planned on trading in in on a ton later. The first few payments I paid with auto draft. As soon as XXXXXXXX XXXX payment was due, they claimed it didn't go through, and I paid over the phone. Two days later, it went through. So two payments for XXXX. They refused to apply the extra payment to principal. This has been a reoccurring issue every month, and almost every payment gets returned by them to inoculate more fees, im assuming. So i call and pay over the phone to avoid late payments. Then they automatically take out another payment a few days later. When I called about the returned payments, they said its my financial institution. My bank says its on their end. I have changed banks, same issues. Now my payments are double, a little over {$1400.00} a month. XXXX XXXX after paying, I get a late fee applied. Every time I call to rectify the situation, their customer representatives essentially blow me off. If I pay the {$690.00} as stated in my original contract, I get a late payment applied to my account and dings my credit. Exeter Finance has absolutely destroyed my credit by doing so. Upon further investigation, the dates I paid are incorrect on my account, as well as the total amount using the interest rate I signed up for. This is the definition of a predatory loan that uses usury loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: LA
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:
On XXXX XXXX I have made 5 telephone calls to Equifax all which have included automated system that I repeatedly try to direct to the fraud department and was continually hung up on after stating my rights were violated per 15 USC 1692, 18 USC 8, 15 USC 1681 ( a ) ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX XXXX XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a family emergency that I had to allocate funds to them. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX XXXX XXXX  customer in good standing. 

Thank you for your consideration, 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