BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


XXXXXXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-06-26
Company: SIRY INC., DBA SIRY AUTO GROUP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I purchased a vehicle on credit from Siry Auto Group XX/XX/2020. On XX/XX/2020 they left me a voicemail stating the bank rescinded the contract and to return the vehicle. On XX/XX/2020 I recieved a letter stating " I was currently in default, I am delinquent, demanding payment in 15 days or legal proceedings would commence, and they also stated they the car lot also rescinded the contract on XX/XX/XXXX. '' On XX/XX/2020 I came out to my vehicle and I witnessed a tow truck the car lot owner seizing my vehicle 40 days after I drove off the car lot with my vehicle. They reported the vehicle repossessed to the police department. Six months passed by I never heard from the car lot who seized my vehicle. I served them papers XX/XX/2020 summoning them in a federal district court which is now in litigation. Im a consumer, creditor and this is abuse. I've been injured and it has put a restraint on my life and family. Siry Auto violated my consumer rights and the law when they had no present right to seize the vehicle also sending abusive letters and leaving deceptive voicemails stating I was in default when I disputed the alleged debt. Went into the car lot and extended my credit as a creditor and they took adverse actions against me. Under Equal Credit Opportunity act, Fair debt collection practices act, Consumer credit cost disclosures there was multiple individual actions taken place against the consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear Banks of America I contact your bank today to make a payment on my account I spoke two of your reps they told me that they were unable to take a payment from me due to the fact that my account was no longer open and you no longer own the account!. i havent recieved anything from any 3rd party debt buyers that you may have sold the account too. I also pulled my credit report and you didn't state who the account was sold too. you can't do this it's a violation of the FCRA But after reviewing my credit report your company is still reporting a balance and past due on the account how is this possible? I went to the FTC Website and they clearly state that this is a federal Vialation. Since you are no longer the account owner I asked that you please delete this account from all three of my credit reporting reports ASAP as you are reporting inaccrate information the fcra says that credit reporting must be 100 % percent accurate.

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 2022-11-09
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/2022 XXXX Certified mail documents verifying my identity to dispute the reports on my credit are inaccurate Notify by phone about said issues with my credit report as invalid Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is in regards to my account under " XXXX '' on XXXX. In early XX/XX/2018, Paypal placed a limitation on my account and asked for a proof of identity in order to resolve the limitation. I submitted a copy of my Driver 's License which was an approved form of proof of identity soon thereafter. The status of the issue was " Submitted for Review. '' I called Paypal and waited 20 minutes to speak with a representative who assured me the case will be reviewed within " 48 hours '' of our conversation. That was near XX/XX/XXXX. There was no progress on this issue on Paypal 's behalf. Immediately after XX/XX/XXXX, another notification, an exact copy of the original notification, shows the status as " Submitted for Review ''. This issue has prevented me from withdrawing my funds in the amount of " {$1200.00} USD. '' Paypal has not reviewed my submitted documents for over a month, and there is no end in sight as I was directly lied to by the associate over the phone meaning nothing Paypal tells me is reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have an ins agency charging me for an old policy and a current policy that is not due until XX/XX/2023. I disputed the charges, contacted the credit card company and cancelled my card. The next day they let the charges go through again. That was the point of cancelling the card. They told me to tell the merchant but they still should not let charges go through

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In response to XXXX correspondence in complaint # XXXX, Im requesting all the information XXXX XXXX XXXX is using as verification of the alleged debt in their previous correspondence. XXXX XXXX XXXX  is stating they have proof of the transaction details but failed to send me the original documentation that they are using for supporting evidence. As a consumer I have the right to dispute and validate the alleged debt. XXXX XXXX XXXX is negatively effecting my livelihood by reporting misleading false information on my consumer report. Theres no permissible purpose to furnish a report on me but XXXX is continuing to report the alleged debt which isnt validated. I responded to XXXX XXXX XXXX claim as of XXXX via certified mail ( see attached file ). Along with my response I attached an updated cease & desist, and sent it to the address XXXX XXXX XXXX insisted I send to ( XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX ). XXXX implied that in order to send me their supporting evidence, they need proper identification of me for privacy reasons. I responded to them stating I will be submitting my proof of identity along with my statement of identity through the CFPB ( see attached ). I XXXX XXXX XXXX the consumer, consents to receiving all correspondence Ive requested in my response to XXXX  ( see attached ), through postal mail and/or via CFPB. XXXX has 7 days upon receipt to send correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Received " Annual Escrow Account Disclosure Statement '' from Lakeview Loan Servicing. Over paid account by {$4000.00}. Lakeview refunded this amount by check ( # XXXX dated XX/XX/20 ). Lakeview then stopped payment on check but did not notify me by phone, email or in writing. They have current information for each of these methods. I called Lakeview to complain and learned that they stopped payment, reapplied the funds, and paid {$430.00} of my tax escrow account to a company called XXXX XXXX. I have no affiliation with this company, did not authorize this payment and the amount taken from my tax escrow does not match any bill or invoice ( including any supplemental assessments ) from the tax assessor. 

Repeated attempts to reach the Lakeview escrow account people always routes you to a customer service employee who is not able to assist ... but rather reads from the on line screen that I can see at their website. Spent 2 hours speaking to various " agents '' including XXXX ( employee XXXX in XXXX  XXXX ) and someone only identified as " XXXX '' ( he would not give me his name or employee number ). I was twice put on hold to speak with a supervisor ... no supervisor answered after 2-30 minute attempts. 

I called back and asked to speak with someone in the escrow department. Lakeview, like their sister company XXXX, has a policy of not letting you speak to anyone except the " note takers '' that every " phone tree '' leads you to. Even when the note takers admit they can't help you, they refuse to provide you contact information to reach any person that can assist you with your matter. 

Lakeview blocks their number, so when they call, it appears as spam or nuisance calls. All messages they leave only refer you back to the numbers that only go to the " note takers '' ... who we know can't help you. 

This scam to illegally hold funds is conversion. Their practice of debiting accounts to pay unauthorized venders is fraud. Please take steps to revoke any licenses this company operates under and fine them into bankruptcy. 

In the mean time, please research my escrow account and advise. Next step is to sue this disreputable company.

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 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 have used XXXX XXXX app to check my credit report or scores. In XX/XX/XXXX, I received an email that there were new accounts opened, and i went to check, there were 2 from Capital One and XXXX XXXX Bank. I have no knowledge about those cards, so i contacted the banks right away to report and closed the cards. After this, I am so afraid of there will more credits will open fraudulent, so I check the inquiries to see any new inquiries was asked without my consent, and i found some inquiries arent correct, so i called them to let them know that I didnt apply for credit cards, and if they issued the card they need to closed it now because Im under identify theft, and having problems with credits frauds. Since then, I open XXXX app to check my records everyday, and then in XX/XX/XXXX, i also saw XXXX account opened from XXXX XXXX bank, and XXXX account from XXXX that closed back in XXXX that I also have no knowledge about the account, and i can only see that XXXX acount from XXXX report. Its so frustrating me, and so i did the same thing, call the bank and XXXX to report. I also report with XXXX and XXXX. Now I just wait for them to do the investigation. This is my first time of being identify theft, so I just follow what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing took over my loan and 3 months in they are AWFUL. They keep hounding us about our proof of insurance on our condo in not acceptable to them. This is the insurance that the home owners association buys for the entire complex and has been fine for everyone else 's mortgage companies. At first they complained they didn't have a copy of our proof of insurance. Understandable since they took over the mortgage from another company. Not sure why they didn't get that from the company they took the mortgage from and make it MY problem - their new customer, but whatever. Sent them the paperwork that has worked for every other mortgage company. Second warnig said they still did not have " acceptable '' proof of insurance. After calling them, they wanted more detail information of insurance on my specific building which we provided. Final warning they said they found the hazard deductible unacceptable to their standards. ( turns out they were looking at the policy covering the wrong building - a garage and not my actual building ). Finally they sent me a notice they were putting a charge to my escrow account to pay for insurance. These people are crooks and should be shutdown. A simple websearch will tell you how bad this company is.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: AZ
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, XXXX XXXX, am a victim of identity theft and attached below is my XXXX Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX  my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the XXXX disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the XXXX. Per the Fair Credit Reporting Act, XXXX XXXX ( XXXX  ) ( XXXX ), it is plainly stated you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a consistent victim of identity Theft. I have lost years and hours and a lot of money and time trying to fight The false information on my report. I've had multiple credit cards used on my report opened in my name, loans, phone bills and internet bills used in my name. I've recently had multiple inquires used in my name and false accounts opened in my name with no information on who and how. 

Pursuant to section 605B of the Fair Credit Reporting Act, it is by law which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Below are the accounts listed have been sold to multiple debt collectors with my stolen identity information. I Have attached my identity theft report. Below is the information, inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For Experian : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Loans : XXXX For XXXX : XXXX XXXX : {$650.00} Account : XXXXXXXX XXXX XXXX : {$210.00} - Acct : XXXXXXXX XXXX : {$180.00} - Account : XXXX For XXXX : XXXX : {$290.00} XXXX : {$1800.00} - Acct : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  : {$240.00} - Acct : XXXX Fraudulent Openings used in my identity : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: ALLY FINANCIAL INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
my checking acct was hacked on or about XXXX XXXX.the bank put a lock on my acct and no money was transferred. I have communicated with the bank on several occasions to get access to my acct but they have not been forth coming why they still have not given me access to my money. this is causing an undue burden on 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 non-monetary relief
Consumer complaint received 2020-03-06
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare completed an escrow analysis on my home mortgage XX/XX/XXXX. However, the escrow analysis was inaccurate and will result in an increased escrow payment and a higher mortgage payment. The anticipated escrow disbursement for the period of XX/XX/XXXX through XX/XX/XXXX ( 12 months ) is {$5900.00}. This amount includes property taxes in the amount of {$4800.00} and hazard insurance in the amount of {$1000.00}. The projected beginning escrow balance as of XX/XX/XXXX is {$3200.00}. This results in a required escrow amount/escrow shortage of {$2700.00}. Loancare 's escrow analysis statement erroneously indicates a required escrow amount of {$2400.00} ( a difference of {$230.00} ). The required escrow amount of {$2700.00} 12 months results in a new escrow payment of {$220.00}. The two month required escrow cushion is {$220.00} XXXX months equals an additional escrow cushion payment of {$37.00} for 12 months. This results in a new total escrow payment of {$260.00} for the period of XX/XX/XXXX through XX/XX/XXXX. On the contrary, Loancare 's escrow analysis indicates a projected escrow payment of {$490.00} a difference of + {$230.00}. This amount was derived by spreading the anticipated escrow disbursement for the period of XX/XX/XXXX through XX/XX/XXXX over 12 months ( {$5900.00} XXXX {$490.00} XXXX. Please be advised this algorithm/calculation does not reduce or subtract the projected escrow amount/balance of {$3200.00}. In addition, this calculation would result in Loancare holding escrow funds in the amount of {$9200.00} an amount substantially greater than the projected escrow disbursement of {$5900.00}. 


To further complicate the servicing of my home loan, it appears Loancare is in the process of issuing an escrow refund in the amount of {$760.00} although the escrow account has a required escrow balance/shortage of {$2700.00}. This is improper servicing of my mortgage loan and should be remediated expeditiously. 


Due to the inconvenience, I would prefer Loancare stop payment on the expected escrow refund disbursement in the amount of {$760.00} as I will not deposit the funds into my personal account. I would like the escrow analysis to be redone with the appropriate trial balances and the new escrow payment and mortgage payment adjusted accordingly and correctly. It is my recommendation that Loancare review it's escrow analysis process and algorithm to ensure consumers are not impacted by inaccurate data and calculations. Unfortunately, servicing errors such as this commonly result in borrowers defaulting on their mortgage loan due to unnecessary increases in the mortgage payment amount.

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 2023-10-30
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX Registered Mail ( RE XXXX XXXX XXXX XXXX ) was sent out to XXXX XXXX Senior Chief Securitizer/Treasuer for Bridgecrest Acceptance Corporation ( XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) the registered mail was valued at {$100.00}, XXXX. It contained my securties, IRS tax forms, and a letter of instructions. The instructions was not followed by XXXX and he forwarded my securties, IRS tax forms, and letter of instruction to the customer service department. Customer service sent my securities, IRS tax forms, letter of instruction back Certified mail ( XXXX XXXX XXXX XXXX XXXX ). XX/XX/XXXX, I sent a second registered mail ( RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ). It contained my securities, IRS tax forms, and another more detailed letter of instruction. XXXX knowing and willingly forwarded my securities, IRS tax forms, and letter of instruction to the customer service department. I have attempted to contact XXXX via phone on several occassions ( XX/XX/XXXX XXXX and XXXX XXXX, to no avail. My securities, IRS tax forms, and letter of instruction was mail back to me first class mail, folded up in a small envelope. Stating Bridgecrest Acceptance Corporation couldn't fulfill my request, because I sent the second registred mail from my business address and not the address on my contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation