BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had the 3rd Party assisting me and ever since they tried to get my file submitted for review for a loan modification every representative with my lender and my foreclosure attorneys as well they gave XXXX XXXX the run around, one would say oh you need to speak to the lender and then other would say you need to speak to the foreclosure and trustee attorneys on this this went back and for XXXX XXXX as this is not how anyone lender is to run a operation with representative that throw you from one rep to another and now during all this time I was trying to save my home and in the meantime the placed a foreclosure sale date on my property for XX/XX/2018 and they SOLD my home after making so many attempt to get one person with me XXXX XXXX XXXX XXXX and my foreclosure attorneys to at least listen to me and they would not even listen to a XXXX party and I now lost my home due to the lender and the foreclosure attorney negligence, when all I was requesting was to apply for assistance they would not even place me in review al they wanted to do was sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I completed an application and was approved for a personal loan with Lending Club on XX/XX/2018 for the amount of {$3000.00}. Before Lending Club was to deposit the amount into my checking account they had a simple verification process. This process seemed standard and included a few small deposits of less than {$1.00} to verify the account information. I did not receive these deposit amounts into my account in the time suggested and got an email notification on XX/XX/2018 that I had received the loan amount which was incorrect. 

I promptly contacted Lending Club support to make sure that everything was done correctly on my account via their website support form. They told me to update my account info in my online account and I waited for further instructions or the deposit. I successfully received the standard test deposit of {$0.00} and a withdraw of the same {$0.00} on XX/XX/2018 but not the loan amount. 

After a couple business days I contacted them again through their support form on their website. Lending Club support emailed me back on XX/XX/2018 and provided a temporary number at which to call them back. This number did not work shortly after we completed the phone call. I was instructed to contact my bank and get fax information for Lending Club support to use. I retrieved the information and gave it to Lending Club via their website support form. 

I had no updates, after this, and again requested support via the Lending Club website support form again most likely around XX/XX/2018. Their support system emailed me back with a generic wiki message that had nothing to do with my account on XX/XX/2018. On XX/XX/2018, having heard nothing else from them, I returned a message to them directly emailing XXXX. 

Lending Club support then contacted me back via email and we have an email chain from their message on XX/XX/2018 to XX/XX/2018. This communication was basically Lending Club support trying to contact my back and also myself contacting my bank trying to verify what happened and what transactions did or did not occur. I followed up with an email on XX/XX/2018 and have not heard a response or concern from Lending Club since. 

In conclusion, I have not received the promised loan amount to date. We confirmed with my bank, XXXX, that they did not receive any deposits from Lending Club either into my account or into the possible alternate account that was the incorrect account number at the start. Lending Club keeps not being clear about what happened and their support is not adequate to solve this issue. 

Again, my bank to be deposited into is the XXXX XXXX XXXX XXXX XXXX. Their support has records of the calls and the conversations about the Lending Club issue as well. 

So that my personal credit is not affected by this, I have been making the automatic monthly payments to Lending Club even though I have not received the loan amount that I am paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This complaint is to be directed to XXXX XXXX XXXX. On XX/XX/XXXX. I saw an online promotion with a Welcome Bonus of {$200.00} for New Depository Customers. This has lead me to start a Depository relationship with HSBC. 

I went ahead and accepted the offer and open a Consumer Checking account with HSBC via the online link to their official website. I follow the instructions & verification as stated. 

I completed all necessary requirement so I could qualify for the Bonus. After months waiting. Have yet to see any bonus offer applied to my account. I decided to call and inquire of the Status. I was told different answer and ask to wait till end of month for the bonus amount of {$200.00} to be credited. it has been 2 months and still no credit from HSBC. Yesterday, XX/XX/XXXX. I call again and i was told that I have had an a Checking act in the past. I am certain I have never use HSBC as my transaction bank. I do not Bank with them, Just a Credit Card. I asked that if they could provide me with the " account number/ type of account '' they were claiming to be mine. They were not able/refused to provide me with such info. 

All I would like this to be resolved and for HSBC to honor the Terms & Conditions stated for the Welcome Bonus. This is misleading consumer to increase account with deposits. Very wrong. 

Thank you for taking on & reading my complaint Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
XXXX XXXX stated once tradeline was satisfied, it would be removed off credit file. Payment is rendered per agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
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:
Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Army and Air Force Exchange Service
State: AL
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:
My account has been paid in full to AAFES Starcard. Starcard has updated all my information to reflect correctly but for my XXXX  credit report, it is reporting wrong. It is showing delinquency is recent as of  XX/XX/XXXX which is incorrect. The debt was paid in XX/XX/XXXX. It reflects correctly on my XXXX  and XXXX, but does not on my XXXX. This called re-aging my credit report and is illegal. I do not think it was on purpose but it is reporting " potentially negative '' on my XXXX credit report due to how AAFES update the 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 2019-06-02
Company: Experian Information Solutions Inc.
State: VA
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:
Claims I owe money but will not provide any documentation that supports this claim. Updates my credit report with negative information and will not remove it.

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 2018-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

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 XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a repair performed on my vehicle at XXXX XXXX XXXX on XX/XX/18 and had a balance due of {$830.00} for this work. I was not aware of the balance, since I never received an invoice from XXXX. I became aware after receiving a debt collection notice from XXXX XXXX at Credit Counsel Inc. on XX/XX/18 for {$920.00}. I spoke to the management at XXXX to let them know that I never received an invoice, which would have alerted me to pay and I was disappointed that they sent the bill to collection without even letting me know. They agreed that an error was made and they were supposed to invoice me but never did so due to an oversight. I promptly paid the outstanding balance due to them, which was {$830.00} in person on XX/XX/18. I was assured by XXXX that I no longer owed them any money and that the debt collector will no longer be contacting me for payment. I received a receipt from XXXX, showing the payment made and that the balance on my account is {$0.00}. However, I have received additional correspondence after payment was made from Credit Counsel on XX/XX/18 requesting payment for {$86.00} even though I do not owe this money, as I already paid my debt and resolved the issue with the creditor. 

Further, the balance that Credit Counsel Inc. is stating I owe increases with each notice I receive. The initial notice received on XX/XX/18 is {$910.00} which includes {$83.00} in excess of the balance owed to XXXX. An email received on XX/XX/18 indicates I owe {$920.00} ( {$85.00} in excess of the balance owed ). I paid off the debt on XX/XX/18, and received another notice on XX/XX/18 for a total of {$86.00}. When I inquired why this excess amount is owed from Credit Counsel Inc, an explanation or details supporting the claim could not be provided and they only sent the invoice of {$830.00} from XXXX. I also inquired of XXXX on why the amount being charged by the debt collector is higher than the amount owed and the manager, XXXX XXXX, at the XXXX stated that it is not in accordance with their contract for Credit Counsel to charge more than the {$830.00}, since Credit Counsel receives a fee as revenue from the amount collected from the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have tried 3 times to get this issues fixed with Experian each time they reply with the information being verified and investigated when it hasn't been. I have contacted the collection agency ( XXXX XXXX ) that is being reported to my credit. I asked for a debt validation they couldn't provide it and have stopped all collection activities so I asked for it to be removed from my credit. Yet Experian keep saying it valid when it isn't the company cant even prove the debt is mine.

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 2020-07-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was buying a a puppy that was online and they required me to pay {$200.00} through PayPal and I try to cancel it was a scam I tried to get PayPal to refund my money and they refuse not to saying that he was a friend or relative and I did not know him or anyting and it was a puppy scam and I actually text to see if he would refund the money and he wouldn't so I try to work things out with him and he didn't want to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in the process of refinancing since XXXX of 2020. I have been told numerous times to resubmit the same documents multiple times. Everytime I ask for an explanation I don't get a response for days sometimes weeks. A manager finally tells me multiple agents with my files left the company. Not only am I concerned about mine and my wife 's personal information, I'm concerned about the interest rates changing. We've signed closing docs numerous times and have even been asked to signed docs with our names misspelled and with other inaccurate information. Today, again I was told they can't find my information and want me to resubmit the same docs I've submitted multiple times. They are also presently hold my current mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
This complaint is regarding Shellpoint Mortgage Servicers. In 2017, my loan was transferred to another lender away from Shellpoint and Shellpoint refuses to update the " Payment Status '' of this account from " 120 day past due '' to " Account Sold or Transferred to another Lender ''. The account is NOT 120 past due or delinquent, as Shellpoint is no longer the holder of this account. This account should reflect as paid with XXXX, XXXX, XXXX. I have placed a call into Shellpoint about this issue and spoke with Customer Service who confirmed that she was sending an email to a Shellpoint Supervisor to request for this information to be updated on my credit report. This was not done as promised. Hence, I am filing a complaint. I have disputed the information with the 3 credit bureaus and the results came back VERIFIED, which is incorrect. I'd like written proof of what the verification process was to verify that this account status was correct. This account needs to updated accurately or removed from my credit profile immediately. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 I was sending {$100.00} to XXXX using Western Union. And one of the choices to pay for it was by credit card for a fee of {$2.00} and there was no warning of any other fees or interest associated with the transaction. So sent the money over, but my credit card XXXX XXXX  charged me for the transaction additional {$10.00} ( {$10.00} for cash advanced fee and {$.00} for interest in it ). Even a transaction type they said it " Purchase '' per attached document, not " Cash advanced. It is misleading. I contacted the bank and Western Union to waive the fee because they did not state or informed me that there will be one, but they refused to refund it. Please help me to get {$10.00} back. Thank you

Company response to consumer: Closed with explanation