BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Conn's, Inc.
State: NC
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:
XX/XX/XXXX, I purchased a chair from XXXX XXXX for {$3900.00} plus tax and fees. The chair was delivered on XX/XX/XXXX, but was broken. I contacted the seller, sellers agent and home office and nothing was done, they refused to replace the chair for a new one according to their policy. I wrote, called, emailed and sent a letter by USPS. With no response I sent both and email and a letter cancelling the {$540.00} I paid for warranty, as well as informed I would report the charges of {$600.00} as fraudulent in my credit cards. I advised both the store and the home office I 'd dispute the charges and accounts as I requested them closed. Finally a technician was scheduled to fix the chair XX/XX/XXXXbetween the hours of XXXX and XXXX, I advised Conns in writing on XX/XX/XXXX that I would pay 1/2 the retail value on the base of the chair if they fixed it mi us the warranty I 'd written to cancel, I 'd begin payment 45 days after the chair was repaired. At XXXX XX/XX/XXXX the repair center called and said they would not make it and could n't reschedule. I contacted Conns again resending my prior offer as the chair is not repaired and I requested they come get it and allow me to speak to their arbitrator XXXX XXXX. They refuse stating my attorney has to call, however my contract says either myself or someone representing me could speak with them. 

In addition, the total amount owed on the chair is about {$2700.00}, not {$5200.00}. Conns has refused to follow their policies in regards to purchases and exchanges. I 've informed them that the debt would be disputed and received messages in return noting they understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The complaint is about Simple Bank a " branch '' of BBVA USA ( https : //www.simple.com/ ) I received my direct deposit from my employer on XX/XX/2021, but the money didn't show up in my account. 

I talked to my employer and they provided the paystub that corroborates the deposit ( I'm attaching it to the complaint ). 

I called the bank in question and after multiple attempts and almost two hours of wait, an agent answered and said that they can't see the transaction that I need a 15-digits tracking number, but the paystub doesn't have it. I requested the tracking number from my employer which they requested to XXXX ( the company managing the direct deposit ). 

However, I haven't been able to contact my bank again at all. In these COVID times where it's already hard to earn money stuff like this worsens the situation. 

I have bills, credit card payments, and a family to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We called Rocket Mortgage to inquire about a refinance. 
They told is we could lock in a rate at 2.99 % and our payment would be around the {$950.00} range. We submitted our documents and paid {$500.00} for the appraisal. 

We contacted Rocket Mortgage several times to inquire about a closing date and to get information and we just kept being told we would receive an email with information to schedule our closing ( which we were told we would be recieving $ back at ) After destroying our credit and waiting until the grace period was over to go with another lender, Rocket mortgage calls us and completely changes our mortgage terms even though our appraisal was in a week before and already marked as reviewed. They then say our appraisal was to low and that they can only give us a 20 year loan at {$400.00} more a month then originally quoted and we would be required to bring {$8200.00} to closing. Our appraisal was only {$5000.00} lower then the estimate. They led us on so we couldn't go with another company to get us into the loan they wanted us to have to benefit them and scammed us. Terrible buisness practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The Honda Financial Services has given me a loan on a very high interest 5.50 %, I have a excellent credit of XXXX, even after paying them every month from XXXX 2013, they have n't reduced my interest rate and have n't reduced the payment at all. 

I have come to a point where I can not make the payments of the car anymore, I need the company officials to provide a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Alliance One, Inc.
State: TX
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:
Debt Collection Company : Alliance One Alliance One repeatedly calls my number looking for my brother. 

I have asked for a C & D multiple times and have informed them that this is the wrong number. They still call. They are trying to reach my brother not me. Isn't this a violation of NPPI? I am not an authorized user on his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 Paypal limited my account the moment after I loaded {$500.00} of my own cash at a nearby XXXX XXXX store. I have provided all of the information requested of me but my account remains limited. I received an email from XXXX on XXXX XXXX, 2021, XXXX XXXX  and it stated the following : XXXX XXXX XXXX XXXX, 2021, XXXX XXXX  ( 2 days ago ) to me Dear XXXX XXXX , Thank you for your cooperation in completing the review of your account. 

You've already completed the following actions as part of our review : - We've received acceptable copies of the following documents or information : We're still unable to complete the review process of your account at this time. Please help us finish this process by completing the following steps : Provide a copy of a valid identification document, such as your driver 's license, passport, or any other government issued identification document. 

Please provide tracking information for following transaction ( s ) to confirm the buyer received your items. 

-Transaction ID : XXXX Please include the following information : * Tracking Number * Name of Shipping Company including the address of their website * PayPal Transaction ID You can input this information in the Transaction Details page of your PayPal account. 

If you can't obtain a tracking number, please provide proof that the item was shipped. A Proof of Shipping document can be obtained from the post office or company that shipped your item. You can upload this document to us in the Resolution Center. 



Please help us by completing the required steps within 10 days from the date you receive this email. If we receive no response within 10 days, you will need to contact us by phone or email so that we can manually update your case status. 

After you complete these steps, we will review your information and contact you about the status of your PayPal account within 2 business days. We may ask you to provide further information if necessary. 

Thank you for your co-operation and support. Please let us know if you need further assistance. You may contact Customer Service by clicking 'Contact Us ' at the bottom of the PayPal website. 

Sincerely, XXXX PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright XXXX PayPal. All rights reserved. 

I can not verify if this email is genuine because I am not allowed to contact PayPal in any way during this process. They referred to a transaction ID that does not exist in my account, and after they confirmed that I verified my identity, they then proceed to say that I have not provided it. What is going on??? 

I just want my money ; I will never ever ever use Paypal services again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I tried removing cards from XXXX  and paypal prior to them being charged and they refuse. There were unexpected errors on the account when i tried to sell and cancel the listings. Because XXXX and paypal do not provide phone support when calling to challenge these errors. It refers me to online. Online it is saying error, when accessing the account for the past month or so. I can not actively dispute fraudalent XXXX transaction and sellers fees because of such. This is a unique issue but yet another request as well to not charge my account and to actually provide phone support. It is my opinion XXXX, paypal have passed judgement on me unjustly bc of this glitch and intentionally frauded my account by not allowing me to respond to time sensative cases. Resulting in loss of monies and unjust obstruction both civil and criminal offenses as a servicer. Please assist and do not allow ebay or paypal to continue to rob and smear me bc of lack of required support. 
( 1 ) XX/XX/2021 at XXXX XXXX PST Transaction ID : XXXX Payment Status : COMPLETED Gross amount - {$28.00} USD ( 2 ) XX/XX/2021 at XXXX XXXX PST Transaction ID : XXXX Payment Status : COMPLETED Gross amount - {$280.00} USD Please do not charge the above or anything else to the account as repeatedly requested. Also remove them from the file. Provide a written response to all the concerns and a supervisors phone number to discuss with going fwd if error are made. Please provide a refund of anything above if already charged. Please provide clear phone support and allow me to address, reopen the other disputes as explained i was denied this bc of a technial glitch and niether company offering phone support bc of covid19. Shame on you both, I am a shareholder as well in these companies. Please remedy the above incrued fees asap and refund if they were charged bc of the fraudalent servicing as explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Started at XXXX XXXX in XX/XX/XXXX. This school has now been declared fraudulent. They signed me up in financial aid for a couple government loans but then said that those ran out and told me they have a new government funding. I was under the impression it was Sallie Mae. They said because it was different requirements that I would have to have co signer. I asked my dad, he signed thinking it was a federal loan as well. They had me sign these 5 times over my time at XXXX. There was them 5 loans. When I graduated ( XX/XX/XXXX ) and began getting my bills I realized they were private loans. Originally they told me I owed {$65000.00}. Then it went to {$55000.00}. I kept putting them in forbearance at Sallie Maes request because I could not afford the $ XXXX/mth payments. This went on for a couple years. In that time they changed to Navient, they appeared to be working with us. They were receiving payments for $ XXXX/mth for interest only payments. Overall balanced still went up as well. When that agreement ended they wanted {$1000.00} a month. Again, we could not afford that so they threatened us with lawsuits, liens on my parents house, garnished wages. They called my company, family members I have no contact with. Twice over the next 3 years they agreed if we could give them lump some they would discharge the loan. First time was for {$4000.00}. My father paid. They said we misunderstood the agreement, continued to report us to credit agency, call company/family members. The last time was in XXXX of XXXX. They said if we paid {$7000.00} the account would be settled. This was after threats of liens, garnishments. By this time we contacted the attorney general of our state Massachusetts ( XXXX XXXX ). They advised us to get this agreement and writing and said because this was a private loan they were limited, but received many similar complaints. Advised us to join class action suits. We took out a loan of {$7000.00} from our XXXX that we are still making payments on. After they received that, we didnt really hear anything. They continued to negatively report us to credit bureau and even sold the debt to multiple debt collectors. We are still being threatened by those companies. We tell them about agreement and they said they have valid claim to debt. This has destroyed our credit, which made it hard to get anything including mortgages/ car loans. When we did received any credit it was at a ridiculous interest rate. These loans ruined our plans at life as far as building a life for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX  XXXX XXXX  XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

US DEPT ED 3011**** {$41000.00}

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 2020-06-25
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon conducting a personal credit reporting review, I noticed that a company named EQUIFAX MORTGAGE SERVICES conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage.

EQUIFAX MORTGAGE SERVICES conducted unauthorized credit check for the following date : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: MD
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:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 60 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2022-08-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account, XXXX XXXX account # XXXX, XXXX account # XXXX and US Department of Education account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contrary to Ms XXXX XXXX, the validation that was sent is a total joke and doesn't show ownership nor when the service was started, terminated, that myself actually signed an agreement for said alleged debt. 
The alleged validation is a screen grab that just shows columns of numbers but shows absolutely 0 of the aforementioned factors asked for above which pursuant to 15 USC 1692g I am within my rights to  ask for. 

Furthermore, to highlight the blatant dishonesty of this organization, I was told on XX/XX/XXXX that a verbal request wouldn't be honored and that I would need to submit a written dispute. I advised them per the FDCPA that, since notice was given I was going to being a validation of debt letter, they had to put all collection activities on hold for a period of 10 days. 

Now, the validation of debt package was sent via USPS Priority Mail on XX/XX/XXXX and was received by their office and signed for by a XXXX  XXXX on XX/XX/XXXX and they verbally acknowledged receipt of said package pursuant to the conversation I had with them on XX/XX/XXXX. 

Now, this office is flaunting the language of the FDCPA as well as skirting the Florida Consumer Credit protection act. I would advise that since I have proof that the validation of debt package has been sent and received by this organization that they follow the letter of the federal law and furnish to myself all requested and required documentation that would substantiate the legitimacy of this alleged debt. All collection activity is to not resume until such time as I have proof and my legal counsel can  look this over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, 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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I applied for a covid deferment and was approved for 12 months and was told at that time that there would not be an increase in the principal owed. I resumed payments after 7 months. My latest statement shows a penalty at {$8000.00}. I was not aware of any penalty for accepting help for covid. I was not aware that it was allowed by law. I was assured that there would not be any extra charges before I agreed to the deferment. I asked a supervisor to make sure and was told that I had correct information. My mortgage was {$160000.00} and now is {$160000.00}. 
I can't understand how this company can lie and actually steal money from victims of the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX applied for a home modification from specialized loan servicing, and was approved.they gave me a three months modification, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, still paying.the repotted to credit buereau that I was three months late ' the company is specialized loan services I called them and they said it will stay on - my credit report I never was late.i was in a modification XX/XX/2017-XX/XX/XXXX and XX/XX/2017.i was told that after modification my account would be updated. 


XXXX XXXX XXXX XXXX XXXX Maryland 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