BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Credit Corp Solutions Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a collection email from XXXX saying I owed {$25.00} on an old XXXX account. The email said " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' I replied to the provided contact email and indicated I disputed the validity and wanted documentation. I do not remember this supposed debt, and the payment website required the type of info scammers typically want ( social security numbers and other sensitive personal data ). They never replied to my email or provided documentation. Months later, I received an unsettling phone call from this same company demanding payment for this debt. When I informed them that they had failed to provide documentation as required by regulation and that the call was illegal, the debt collector insisted on continuing the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On the morning of XX/XX/2022, I received a credit monitoring alert of a hard inquiry on my credit report from XXXX XXXX Bank. I immediately called the company but was told I would have to call back because the " team that handles this was closed for the day. '' I called again on XX/XX/2022 and the associate confirmed that someone had submitted a credit card application using my maiden name and address I left 4 years prior. She said they would immediately close the card as fraud, and it would be removed from my credit report within 30-45 days. The inquiry was still on my Transunion report after that time, so I created an account with XXXX and mailed a dispute letter to the XXXX XXXX Bank on XX/XX/2022. I received a letter from XXXX XXXX today stating that the application has been withdrawn and will not be processed further. However, the hard inquiry still appears on my Transunion credit report. XXXX XXXX Bank did not have a permissible purpose to access my credit report, and I want the inquiry removed.

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 2017-08-18
Company: LoanCare, LLC
State: NJ
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:
Loancare is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XXXX XXXX - XXXX. We did not have access to email or XXXX mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. OnXX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that Loancare reported us 30 days late to the credit reporting agencies. Upon contacting Loancare, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from Loancare that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit  suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the Loancare website should have been resolved by the 20th ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for Loancare to  suppress the erroneous reporting based on them having improper contact information and Loancare is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to Loancare or any other creditor in the last 14 years.

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 2017-08-18
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have amazing credit. One day my score dropped and I went to see why. XXXX XXXX had a collections for {$70.00} on my report. I have n't had a cable account in a few years. This is Money I was never asked to pay and do n't believe that I owe. I told the collections company and wrote a letter to dispute and it was removed. Now it is appearing again through Stellar Recovery Inc. I disputed with them and opened a case with the BBB ( Finalized XX/XX/XXXX ) They said they would send verification of debt but I never received. Not to mention, you can show me a bill all you want. I ALREADY SAID THIS IS NOT SOMETHING I WAS AWARE OF! How can I pay a bill i did n't see until it was on my credit report? Furthermore, the date of collections on my report is WRONG. It shows the day that Stellar acquired the collection NOT the orig. date. This is not legal and should be REMOVED FROM MY REPORT DUE TO ILLEGAL PRACTICES. This is stright from XXXX : " Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from Care Credit ( Synchrony Bank ) to pay for dental work. I was told there was 12 months interest free. I was provided a " minimum payment amount ''. I believed the minimum payment amount would satisfy the loan during the interest free period. Turns out that was not the case and at the end of 12 months, there was a small balance remaining however interest was applied to the original balance, compounded over the full year and added to the account in a lump sum which almost doubled the amount that was due. This practice is misleading, deceptive and abusive to say the least. Had I been told what the minimum payment amount was to avoid the interest, I would have been satisfied. The purposefully provide a minimum amount which will leave a balance so they can tag you with extra interest charges. If interest was applied to the remaining principle amount after the 12 months and going forward, I would understand but their business practice is designed to gouge people for extra costs and fees. I tried to resolve and was told there was nothing they could or would do for me.

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 2017-08-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was working with Webster bank on securing a mortgage loan. I locked in a rate of 3.75 % on XXXX XXXX, XXXX. Throughout the process, we tried a few different loan options, and ended up with a conforming loan for XXXX, and a separate HELOC loan for the remaining amount. Closing was set for XXXX XXXX, XXXX. I was sent a disclosure on XXXX XXXX, XXXX for the conforming loan, with the rate changed to 3.875 %. I brought this difference up with the bank, and they claimed the rate was slightly changed due to the different loan options. At .125 % difference, I decided to drop the issue. On XXXX XXXX, XXXX, 2 business days before closing, I received a closing disclosure for the side loan, with an interest rate of 5.42 %. This was a complete surprise. The last minute change gave me no time to rectify the issue, and I was forced to close with an interest rate that was not agreed upon and not disclosed ahead of time. I have tried to talk to the bank, but they insist that the loan lock did not apply due to different options, and that the disclosure did not need to happen for a different rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: 1st Franklin Financial Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
First franklin in XXXX, la I get a loan with them for XXXX dollars and now the pay back XXXX, But there reporting my my credit that I am 5 months behind and that not true. In XX/XX/XXXX there report that I was 2 months and now i am 5 month. I talk to the dm and he said he dont know. I have talk to them on alot times. I was sick for 2 weeks so I was behind one month there done a judgement on me. I talk to the company in XX/XX/XXXX and want to make 2 payment there dont want to take it. Then 2 weeks later in XX/XX/XXXX I get Serve with a judgement at my home. For XXXX XXXX dollars. For being one month behind. I have call the office on XX/XX/XXXX and XX/XX/XXXX to talk to them about my account there told me there was going to call me back and I was not call back .and then the judgement. We get this account in XX/XX/XXXX, I made my payment for XX/XX/XXXX and XX/XX/XXXX with  my debit card, there tell me that I dont make no XX/XX/XXXX payment my bank account show it .for XX/XX/XXXX, for 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 2019-11-26
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 recently gotten a copy of my credit report through XXXX XXXX and I have notice there are some collection accounts listed on my credit report that doesn't belong to me. I never applied for any of these accounts. These fraud collection accounts are hindering be from gettin approved for things. I never applied for these loans and fall back on the payment. These accounts don't belong to me and I ask they are remove from my credit report asap. 
ACCOUNT DATE OPENED BALANCE XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$6900.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00} Inquiry -XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Avid Acceptance, LLC
State: UT
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:
I did not authorize this credit check.

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 2017-09-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I believe that my financial information waS part of the group that was stolen from Equifax. I hold Equifax responsible for any financial damage done to my account as a result of fhis information leak

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: IL
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 have been disputing inquiries that have shown up on my credit file on XXXX XXXX XXXX and Experian since year XXXX. I have contacted all three credit bureaus and they consistently say that all inquiries remain factual and will stay on my file for XXXX years. 
I received a letter XX/XX/XXXX which stated all inquiries will remain and how some I listed arent even on my credit report, which is false which tells me they did not do a proper investigation. The documents uploaded below are screenshots from annual credit report.com which shows all hard, promotional and soft inquiries listed on my credit file. 
I now seek under my rights under the FCRA Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship. 

I am requesting each credit bureau ( XXXX, XXXX and Experian ) provide me with the name of the business representative they contacted in regards to the credit inquiries listed, the date they reached said representative, time of phone call, address of business and the representative name and phone number.

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 2020-06-22
Company: Thaxton Investment Corporation
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Representative from Heights Financial in XXXX, TN continuously threaten to sue me have sent me Attorney letters, discover my personal information to several 3rd parties after my hours were cut due to covid 19. I onky make {$900.00} a month and today I received an attorney letter saying I had to pay {$1700.00} in full in 10 days or else. 

A rep from Heights called me asking about my Stimulus check and was really nasty and rude to me saying things that professionals shouldn't say.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I mailed a letter to each of the credit bureaus asking for verification on items that are reported differently for each of the 3 bureaus. On XX/XX/2022, I mailed a letter to each of the credit bureaus asking that they provide a number of details about each item that was challenged. No response has been received and the items that I requested proof of validation on have not been confirmed. 

I am kindly asking for help with resolving this matter as it has been much longer than the 45 days and I still have not received a response. 

In accordance with the Fair Credit Reporting Act, the following XXXX  Accounts have violated my rights : Account Name 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 15 U.S.C 1681 section 602A. It states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On or around XX/XX/XXXX of last year, I noticed that the total balance the consolidated loan had increased substantially. As I remember, I did make a call at the time and was not given a response in a understandable manor or there than the account information and terms were correct for the balance. Still the balance of payoff had changed. recently, I have filed a complaint with the CFPB noting that over the course of 10 years I have paid over 40k and still owed XXXX on the loan I have been paining over the month payment requirements. Today, I received an email saying that there were documents were sent to me from Navient on the Navient website. With some difficulty, I was able to find where the documents were and opened them. to my dismay there was 2 documents that were there dated from XX/XX/XXXX of last year. I never received copies of these documents in my email or in the mail. basically they said that due to the fact that my loans that where consolidated had different closing dates and that they had to be the same by federal law. It also stated that they " Navient '' was extending the loan term to the maximum amount allowed by law. I did not consent to this change nor was I informed of this process to object to it. This allowed Navient to basically steal 10 years of payments received on the account. This also in basic terms reset the loan length to accrue more payment and interest that they could have attained by any other process. This is dishonest and deceptive practice as well as fraud. this adds to the fact that the loans were consolidated without my consent. As the documents that they sent to me for the consolidation of the loan was an electronic signature and I did not consent to the consolidation. That being said, changing the length of a loan term without informing me of the issue or receiving my approval by the normal means of communication was a subversive attempt and deception on the part of Navient to lock a loan in for a much greater time frame and payment. This also increased the interest generated per month on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of XX/XX/XXXX, we as a family have decided to pursue improving our credit and enquired information on how to get approved on purchasing a home. XXXX XXXX contacted us and asked for more information on our credit standing. We were told that 2 XXXX  XXXX bankruptcies from the year XXXX and XXXX were still active and it is hurting both my spouse and I 's credit score. We have confirmed from our previous bankruptcy attorney 's office that it has been resolved and it is in fact closed. In addition to that, we do not know any other information old or new that would otherwise impact our credit standing or credibility to purchase a home. Please kindly help. Thank you in advance.

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 2022-07-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out one account on EQUIFAX account numbers that I did not recognize, The one account with Unknown account that are not mine and they are on my EQUIFAX credit report, alleged account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
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: Personal information incorrect

Complaint:
I have sent several letters/disputes to XXXX XXXX, Experian, and XXXX about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : 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