BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I'd been living in this home for over 18 years. I had some financial issues and got a call about how they could reduce my payment. And within a few days, my mortgage was lowered. I never signed anything and didn't know the full extent of how and what they did. I've been paying on time and even began paying more on principal. I was told there is no escrow, which I don't fully understand. I've been paying for 18 years. I purchased the home for {$510000.00}, and I still owe {$480000.00} as of today. For the past year, I've felt that I'm being taken advantage of and even discussed that I will be paying over {$100.00} for this property over their contract. Last week my payment went from {$350.00} to {$820.00}! There was no explanation, just a bill for that amount. I called the mortgage company because I thought it was a mistake. They informed me that my escrow wasn't paid. I'm flummoxed, and now they want to offer an extension on the escrow account.I can not afford this amount, and the property isn't worth that amount. This is a predatory loan, and I do not know what to do next. This is the 4th mortgage company that holds my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX sold the account to Portfolio Recovery Associates on XX/XX/2021, illegally, without authorization and without having arbitration. The debt collector has posted the illegally obtained debt on my consumer report as a collection, in the amount of {$400.00}. This has directly affected me receiving new credit that was applied for, a {$10000.00} credit card and a {$50000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received a notification from my credit reporting agency that my CareCredit account was over the limit. At first, I thought a fraudulent charge had been applied to my account. My payments have been set to AutoPay since inception, always on time, which further raised concern. 

After logging into the CareCredit online portal, I noticed a very large interest charge as being the reason for the overdrawn amount. When attempting to review statements to determine why this interest charge occurred, I could not find the credit agreement to validate the terms. 

In addition, I had never received a statement or notice from CareCredit nor was a statement available online. I sent a message requesting a statement and advising Syncrony ( the financier of CareCredit ) of the issue. 

I am concerned that the lack of sending notices or statements to your consumers advising them of interest rate increases or interest charges being applied on an " as of '' date is misleading and qualifies as a deceptive practice. Please review to remove the interest charge.

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 2023-06-15
Company: ENOVA INTERNATIONAL, INC.
State: LA
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:
On some day in XXXX, one of my accounts was hacked and i had no knowledge of anything until I received an email and a phone call from one of my banks saying my account is being closed due to overdraft from a loan that they had no knowledge of & so did I. I immediately contacted the loan company and they werent helpful at all Ive submitted a police report 3 times & I am not getting anywhere. 

amount : XXXX account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: OneMain Finance Corporation
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is violating the Fair Credit Acct. My account XXXX charged off XXXX of last year. OneMain Financial is still reporting the account as open, and increasing the balance with additional extra and fees when it should be closed, and listed at the amount it charged off. Currently the account is negatively impacting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Self Financial Inc.
State: MN
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:
XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to formally dispute an item in my credit report that I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following item ( s ) on my credit report : Creditor Name : XXXX XXXX XXXX  XXXX ~ XXXX XXXX  XXXX XXXX ~ XXXX I have reviewed my credit report, and I believe that the information provided above is incorrect and should be rectified. According to the FCRA, it is the responsibility of the credit reporting agency to conduct a reasonable investigation within 30 days of receiving this dispute letter. 

I kindly request that you : * Conduct a thorough investigation into the disputed item ( s ) mentioned above. 
* Provide me with written results of the investigation. 
* Remove or correct the inaccurate information from my credit report, if found to be inaccurate. 
* Notify me in writing of any changes made to my credit report as a result of this dispute. 
* Please be aware that the FCRA obligates you to inform the furnisher of the disputed information about the nature of my dispute. I expect you to adhere to this requirement promptly. 

Section 605 of the FCRA covers the rules regarding the time periods for which certain adverse information may be reported in consumer credit reports. Specifically, it governs how long negative information, such as late payments, bankruptcies, or tax liens, can remain on a consumer 's credit report. 

Section 1681b of the FCRA governs the permissible purposes for which consumer reports can be obtained and used by various entities. It outlines the circumstances under which a consumer reporting agency can furnish a consumer report to third parties, such as creditors, employers, and landlords. 

Thank you for your assistance in resolving this matter. Please contact me at the address or phone number provided below should you require any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. This inquiry is also over 24 months old, which is a violation of the FCRA to continue to post to my credit report. Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act USDOEXXXX  account # XXXX, USDOE/XXXX account # XXXX, DEPTEDXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

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

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 2023-06-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a payment with Macy 's credit card company on XX/XX/2023 in the amount of {$460.00}. I received a noticed on XX/XX/2023 from XXXX informing me XXXX XXXX my account is in the negative and my credit card from Macys is reporting a late charge. I attempted to resolve my concern with Macys requesting documentation of the all the dates they attempted to take the money from my account and documentation showing they notified me about the payment not being process. When asking for that information I was told by the " collecting dept '' they have no way to provide me documentation of the information I am requesting. I spoke with several people from Macys trying to resolve my issue but no one was or could send me the information. I also informed each representative and supervisor from Macys the only information I received was on XX/XX/2023 letting me know the payment was completed.

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 2023-06-15
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was the victim of stolen identity. The person successfully opened up a credit card account with Barclays Bank Delaware. I use XXXX to assist in identity theft. We contacted Barclay Bank Delaware to report that this was fraud and dispute this unauthorized account. They first said that they have successfully closed the account. However, they could not confirm the account was closed, so I asked to speak to a supervisor. They refused to allow me to speak to a supervisor until I provide my name, phone number and social security number. I was willing to provide my name and phone number but was not comfortable to provide my social security number to the agent. I repeatedly requested to speak to a supervisor, and they continued to refuse. I have not received any information indicating that the account has been closed and 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 2021-04-11
Company: Midwest Fidelity Services, LLC
State: FL
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 received correspondence from a debt collection company named XXXX XXXX stating that they were trying to collect money from an installment loan that was taken out with a company named XXXX XXXX. This loan was fraudulent because apparently someone took out this loan falsely using my personal information. I have submitted my police report both to Midwest Fidelity and XXXX XXXX. This fraudulent action was taken out in XX/XX/2019. The amount of the loan {$3700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Nelnet, Inc.
State: OH
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:
XXXX  Loans are in deferment but the credit reports shows they are open and not into deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Bright Capital Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Company Name : XXXX XXXX XXXX : They engage in deceptive business practices regarding membership fees and lines of credit. I engaged with this business for the purpose of obtaining credit building services and a line of credit. I was not offered the line of credit. I was instead offered a credit builder program advertised to cost {$8.00} a month. I paid {$10.00} for a first instalment for a credit builder loan which was to have 5 total instalments. I was anticipating monthly charges of {$8.00} for the membership and {$10.00} for the credit builder loan. 

10 days later they auto debited my account for {$99.00} which is a full year of membership. This was not disclosed properly nor did I authorise any charges for {$99.00}. Contact with the company is primarily through email. They claimed to have refunded {$90.00} and that would be in my account within 4 business days. It has now been over two weeks and I still have not received a refund of any amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One never provided me with my right to opt out of having my personal information shared with third party companies. I feel taken advantage of and I request for them to correct this right away as I never wanted my information shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: ORG GC GP Buyer, LLC
State: TX
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately XXXX. XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : XXXX Dear Jefferson Capital : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2023 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CBC Companies, 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:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act. 

Also Inquires listed below were made without my permission. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Early Warning Services, LLC
State: IL
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: Other problem getting your report or credit score

Complaint:
I have contacted Early Warning Services 3 times over the last year, and have asked for a report so i can see why my bank accounts applications keep getting denied or frozen ( ie my current account is frozen due to a report from XXXX and the bank wants the issue cleared up before unfreezing my account ) Ive called EWS submitted photo ID and they are unable to tell me anything about the freeze, while the agents are polite they always say the same thing, my report will be mailed to me in XXXX  days, or emailed within 14 days. It has never been sent and I have called 3 possibly 4 times over the last year and never get the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 have spoken with, on a number of occasions this year as well as the past 2 years to two agencies about their reporting practices. I've asked both Midlan Credit Management and XXXX to STOP REPORTING without my consent. 
I don't know who they are nor have I agreed to contracting with either company. Furthermore, I haven't given my consent to anyone to share my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Im applying for a building loan and three hits were in my credit report that I didnt apply for. Two for JPMCB both on XX/XX/XXXX, and one for XXXX Bank on XX/XX/XXXX. I would like for these to be removed from my credit and to find out if credit was given in my name for these accounts

Company response to consumer: Closed with non-monetary relief