BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: GA
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:
I'm a fraud victim I have provided Experian with several police reports listing the below accounts as fraud however, they refuse to investigate nor remove these accounts by law they are obligated to remove these accounts, however, they are in violation of federal law and they refuse to remove these fraudulent accounts. The accounts that are fraudulent and need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts are reflected in a recent police report filed and these accounts need to be blocked from my credit report pursuant to federal regulation section 605B of the Fair Credit Reporting Act. I have disputed these items for the last 6 months and nothing has been done with regard to these fraud accounts.

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 2020-10-28
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

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 2020-07-08
Company: Brightfunders, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled out a form on XXXX, inquiring about HELOC rates. I was matched with a lender who called to let me know they could also refinance our existing mortgage to get rid of PMI. The interest rate they initially gave was higher ( 4.25 % ) than our current rate ( 3.875 % ) so we agreed to pay a point ( {$3700.00} ) to get the same interest rate. The closing costs came in at {$13000.00}, with {$2800.00} for origination fees and {$1600.00} in underwriting fees. Based on our high credit score ( XXXX ), these fees are very high for a refinance ... we didn't even pay that much when we originally closed on the home four months ago. 

I received documents in the mail a few days ago for a RESPA - " Revision requested by the Consumer ; Interest Rate Dependent Charges ( rate lock ) ''. The new closing costs fees rose to  {$21000.00} with {$10000.00} being for 2.75 % points that I never requested. I reached out to the lender, who said it was a mistake and apologized. Had I never asked about it, they may have tried to move forward with those astronomical closing fees. 

We started to feel as though the fees we were being charged were extremely high, so we sought out a local lender who could offer a second opinion and rate. We were able to secure a 3 % APR refinance loan and are only paying $ XXXX in closing costs with {$320.00} in underwriting and {$350.00} in processing fees. We decided to go this route, but needed to transfer the appraisal that we had paid for with the original lender. 

When we asked for the appraisal to be transferred, the original lender said it was not possible and he did not have access to this. When pressed further, he claimed that it was " not required. You'll be fine. Best of luck! ". Obviously, he is upset that we cancelled our loan with his company and we now have to have the appraiser come back out for a reinspect fee. 

The original lender was pleasant to work with until we cancelled the loan request. Once he knew we were using a different lender, he offered to match their rate/fees ... why wasn't he able to do that in the first place? Additionally, the fees this lender is charging is suspiciously high, given the record low mortgage interest rates we are experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am having an issue with paypal that is blocking my money and closing my account for no reason. They don't even want to let me access my money until 6 months. I had no warning nothing! They just limited it all the time and block my money which is around now {$14.00}. I want my money now not in 6 months!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : SPS SERVICING-CARES ACT COMPLAINT In XX/XX/XXXX my loan was serviced by XXXX XXXX XXXX and owned by XXXX. XXXX offered and I accepted disaster relief by way of postponing monthly payments for a period of time. I was aware of the options offered by XXXX which included relief, if needed, for up to 1 year. I skipped 3 payments and resumed monthly payments in XX/XX/XXXX. 
On XX/XX/XXXX, I was informed by XXXX that my loan servicing was being transferred to SPS SERVICING of XXXX XXXX XXXX, Utah, and ownership transferred to XXXX XXXX XXXX. I immediately reached out to SPS and was assured by my assigned relationship manager, XXXX XXXX, that my XXXX commitment would be honored. I advised SPS of my hope of having my missed payments setup on a repayment plan spread out over 6-12 months and as directed by SPS I provided the required documentation. On XX/XX/XXXX, SPS denied my request and suggested a SHORT SALE. 

The action by SPS is contrary to the relief provided for in the CARES ACT. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX will confirm ownership from XXXX to XX/XX/XXXX. Call XXXX at XXXX XXXX XXXX. XXXX case number XXXX. 

I have attached copies but if you require better quality please let me know. 
ejc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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: Old information reappears or never goes away

Complaint:
Experian is reporting an account with Child Support Enforcement that is actually past the statue of limitations. I have disputed with Experian several times and they just indicate it's updated but no information changed at all and again the first delinquency occurred over 7 years ago.

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 2020-12-09
Company: ALLY FINANCIAL INC.
State: GA
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:
My car was damaged severly, I made the decision not to repair car or report to my ins.co.the car was picked up less then 24hours after accident.when my towed truck went to pick up vehicle, the vehicle had been picked up by another towing company.Ally Fin. [ title holder ] contacted me around XXXX and asked me what was my intentions on picking up car, I advised them that I no longer wanted the car and I would continue to make ontime payments as agreed until paid off.I was advised by them that I would not be allowed to make online payments in the future and would have to XXXX XXXX payment.When I called on XXXX to get info on making XXXX.payment, I was advised that car had been repo from junkyard and I owed additional fees.At this point I did get a little upset and XXXX.payment was late maybe about 12 days.My complaint is I have a Repo on my credit report, also co-signer has repo on his report, I feel I didnot break agreement with Ally in any way, car was insured, not behind on payments ( I am still making ontime payments, If I was advised upon first phone call from Ally, that I would need to pick up car from towing company or I would face repo, I would gladly have done so, I would like to payoff original amount which is around $ XXXX.as of today and have repo removed from my and co signer credit report upon final payment.I am not behind on payments to this day.Your help in this matter is greatly appreciated.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 2019-02-20
Company: Credit Corp Solutions Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice from Credit Corp Solutions for collection on a debt. I am requesting full debt validation. Please send me copies of the last 12 months of statements and accounting on balance said owed. I also would like a copy of notice of assignment from the following creditors ( XXXX and XXXX XXXX XXXX XXXX ). I would like a address and contact information for them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

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 2021-02-24
Company: JPMORGAN CHASE & CO.
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase XX/XX/XXXX for XXXX which was debited then credited back to my account. I didnt receive any merchandise and I was whole. On XX/XX/XXXX Chase authorized XXXX to be redebited from my accountw/I notifying me they deemed to charge to be good. By then, I could not reach the invoice or the vendor. On XX/XX/XXXX I disputed the rebill and received a letter from Customerservice XXXX that that was closed as of XX/XX/XXXX. I again disputed it emphasizing the XX/XX/XXXX rebill. It is almost a year now in dispute and it is still not resolved. I can not get a customer service to help ( after waiting over an hour to get CUSTSERV ) because it is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: AFNI INC.
State: AE
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 had an account with XXXX XXXX XXXX XXXX prior to moving overseas. I turned the equipment in and received a yellow slip confirming my return of the equipment. I satisfied the remaining balance and the company sold the account to AFNI, Inc. I've disputed this account with my credit bureaus and the company continues to come back saying the information is correct. I have no account with AFNI and have asked that they provide a signed agreement between their company and me if they will continue alleging this is a valid collection. 

XXXX XXXX XXXX XXXX : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account. 

XXXX XXXX : This is too old to be on my report. It was discharged in Chapter XXXX Bankruptcy 4 years ago and has inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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 belongs to someone else

Complaint:
This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: NY
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:
Equifax has been consistently abusing their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letter that I've previously sent via certified mail. This company isn't going by the boundaries of FCRA, FDCPA and The Coronavirus Aid Relief and Economic Security ( ChChch ) Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I check my Credit and I notice Inquiries That I did Not Authorize

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 2018-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of grand larceny by false pretenses ( DA XXXX Country Criminal Complaint #  XXXX XXXX XXXX, Chief of Criminal Complaint Unit XXXX ). On XX/XX/XXXX I transferred {$9000.00} - all the money I have - from my Chase Bank account in XXXX XXXX, California to a Chase Bank account in XXXX County, New York. I realized it was a scam and called Chase Fraud Division at XXXX XXXX  EST XX/XX/XXXX, when the funds were in the beneficiaries account but had not been withdrawn. ( Chase Fraud Prevention Department XXXX XXXX x XXXX Case No XXXX. ) I have been in daily contact with XXXX and they have told me daily the recall is in process but they needed to contact the beneficiaries on the account to ask them to send back the funds to me. Legally this was the procedure they had to follow. 

Today, on XX/XX/XXXX, I called Chase Fraud Department and was told that the beneficiary had contacted XXXX on XX/XX/XXXX, after 10 days of Chase leaving messages and sending demand letters for them ( a female and a male are account holders ) to contact the bank. She apparently told them that she would think about authorizing the funds to be returned to me. Then the male holder of the account called back to say they would not authorize the return of funds. I am now assuming, even with all evidence of fraud, that Chase is releasing the funds to these people who are under criminal investigation. 

Chase claimed that they are no exceptions to this rule that the funds can only be returned with permission of the account beneficiary. However, there are exceptions when a wire transfer can be reversed, in the event of a fraud or erroneous wire transfer, and provided the money on the recipient side has not been disbursed. This money was not disbursed before Chase was made fully aware that this was fraud. I called Chase Fraud Investigation Dept on XX/XX/XXXX before the recipients has a chance to remove the money. They have known this is a case of fraud for 10 days. On the day XX/XX/XXXX that the beneficiaries made contact with the bank, so did XXXX County DAs Office contact Chase Fraud Division and inform them they were starting an investigation and subpoenaed the account holders bank statements for the past 6 months. 

Chase writes that In this case, both the banks would have to agree that the transaction was a fraudulent ( or in error ) and it will be reversed, minus any charges, etc. that may have occurred on the transaction network ( e.g. XXXX, etc. ).

Chase IS the only bank involved, had plenty of evidence this was fraud, and yet it has released the funds. They have supported and abetted a fraudulent action and chosen to do NOTHING to help, me a Chase customer and victim of a scam which has resulted in me losing every penny I have. I am a single mother with a daughter at college and this is financially devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: GA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Glass Mountain Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All my online disputes through the Bureaus were closed and determined accurate, I was not provided any additional information. I then wrote and mailed letters via USPS. First letter was in response to debt collector recent claim regarding money I owe showing on my report. Complaint started back on XX/XX/XXXX, XXXX requested proof & evidence which they failed to provide at first and by not replying in a timely manner to my initial letter they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 2nd letter requesting additional information received photocopied inaccurate documents of debt. 3rd letter due to be sent out, which I will notarize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has continued to illegally report an account on my credit report that is not mine. Ive sent them 3 certified letters that I know they received and have yet to receive a response concerning what I sent. The last one sent was XX/XX/2019. This account is being reported incorrectly as it is not my account they have not sent me any type of proof that they have reflecting this is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: Improved Data Services LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 and XX/XX/2018 - I received a robo call from the debt collection company identifying as Improved Data Services ( IDS ). Although XXXX appears to have sold the debt to XXXX XXXX XXXX , XXXX and would be handling the matter as of XX/XX/2018, IDS claims to have received my information on XX/XX/2018. After following the prompts and trying to figure out why I was being called, the representative XXXX called and told me to " cut the attitude '' mind you, this is an unsolicited call to my job by people trying to verify who I am but called me. She was rude and said ( since I have an attitude ) " blah, blah, blah, we'll just continue to call you at work! '' She then hung up on me, called back from a blocked number and just proceeded to breath into the phone and not say anything. This is in direct violation of 15 USC 1692d Sec. 806 ( 5 ) of the FDCPA. I called the number from the initial phone call XXXX and spoke with XXXX XXXX, who told me to " focus and get back to the basics '' she said XXXX was seeking a judgement against me and they were trying to settle the debt. I have received no correspondence from XXXX indicated there is a judgement. I explained to XXXX that I am aware of my rights and work for a law firm and the sheer fact that she is mentioning a judgement ( without an actual judgment in place ) is in violation of the 15 USC 1692e Section 807 ( 13 ), which states " the false representation or implication that documents are legal process. '' She stated " it's not harassing, I've been a debt collector for 16 years. How long have you been a debt collector? '' At that point, I had enough of the harassment and hung up. 

As of XX/XX/2018, IDS is continuing to call my job.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation