BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied and used the forbearance period during covid-19 due to my wife position being eliminated. After the forbearance ended we are able to resume our mortgage payments and move forward, LoancareXXXX XXXX sent me a plan package that raised my interest rate from 3 % to 3.5 % and told me I had to make three payments at an elevated rate. In their plan they said I had the right to appeal which I did. After not hearing back from them at the end of the month I called them and was told even though it said that in the contract I was not allowed to appeal and had to make my first payment by the end of the month. I have now made 6 payments at their elevated interest rate and now they sent me loan modification agreement which outlines mothing, doesn't show my payments and increases my mortgage loan amount by {$30000.00}. I have called four time between XXXX and XXXX requesting hep and each time I am told a loan expert will call me back within 5 days. I have never received a call from them to date.

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 2021-11-05
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX $ XXXX THIS IS NOT MY DEBT THIS HAS BEEN HENDERING ME IM UNABLE TO RESIDE WHERE I WANT DO TO A DEBT THAT DOES NOT BELONG TO ME PLEASE DELETE THIS DEBT THIS IMMEDIATLEY. I KNOW MY RIGHT THIS IS ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: HW Holding, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Eastpoint Recovery Group, Inc
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Eastpoint Recovery Group , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX Left messages on a shared mailbox ( with a default greeting, not indicating the mailbox ) stating they needed to touch base with me regarding my breach of contract with XXXX XXXX, which is n't even a valid contract to begin with. As a result, this message was heard by my children and my babysitter. 

Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap.
Licensed Virginia consumer finance companies may charge more than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia.
Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: OK
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Paypal is exploiting their virtual platform to avoid reliable human resolution and taking consumer funds without recourse. They then hung up the phone without resolving. 

I sent {$750.00} instant deposit to my daughter via Paypal for an emergency. Minutes later my daughter advised she received notice she will receive funds via e-check in 3-5 business days and not in minutes as advertised. 

I reached out to Paypal to express urgency. Spoke to multiple reps and supervisors. They said they could not stop the transaction nor expedite the payment. Paypal effectively hijacked my money by not giving me an option to cancel the transaction or providing a stop payment. I voiced the fact that they deceptively advertised an instant deposit and did not provide disclosures setting true expectations of funds availability. No pop-up was provided to say " before you send, funds will be sent by check in 3-5 days '' ... no clear notice.

I stayed on the phone for more than 2 Hours. I believe they purposely kept me holding on the phone to wear me down so that I can go away. But I'm not quitting on my daughter during an emergency because a company has poor customer service or simply no respect for customers. 

I even offered to provide additional documentation confirming that my bank account has sufficient funds. They still claimed that they couldnt help me. 

This company is exploiting their virtual platform to avoid reliable human resolution and taking consumer funds without recourse. They then hung up the phone without resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I got an alert of a new address tied to a closed account alert from XXXX. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called XXXX several times to ask them to correct my personal information because its incorrect, they have stated several times that they can not remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT ... .I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now TRANSUNION is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.

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 2019-07-29
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to an ER in Florida in XXXX. I WAS NEVER SEEN by doctor 's. I spent months writing/filing complaints. XXXX XXXX told me that they had deleted the debt. 

This year in XXXX a debt popped up on my Credit stating it was from XX/XX/XXXX. They are also showing late payments every month. I immediately requested documentation and disputed this information. 

This debt was already removed from my credit reports TWICE! I have NEVER received any written communication from this debt collector even upon requesting it, and when I called the company they sent me to a voicemail. All I have is their phone number. 

They are violating re-aging laws and HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: IL
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 is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother and father are both and they had a joint checking account at Chase Bank. My mother passed away in XXXX of XXXX my father in the end of XXXX of XXXX, I notified XXXX XXXX The Personal Banker that had called my Father 's cell phone and emailed him telling him he could respond if he needed anything via email or phone on XX/XX/XXXX and returned a voice message left by XXXX on XX/XX/XXXX both times notifying of my father 's death. I advised XXXX that there is a Will ( email attached ) my father passed and that I was filing the will with probate that week and that there was I was the only heir and I was also the executor and that would bring in the letters of testamentary as soon as they were received from the courts. On XX/XX/XXXX my sister who's was named in the will but with no provisions to her from my father went into the bank and was able to withdraw approximately {$3000.00} from his checking account and savings account in addition to receiving information about transactions the account was not closed but the money was withdrawn creating overdrafts etc ... My sister was not a beneficiary on the account it was a joint tenants with rights of survivorship but there were no POD beneficiaries on the accounts. on XX/XX/XXXX my wife and I went into the Chase Bank with the will the death certificates to speak to them and find out how this happened we spoke to XXXX and his manager XXXX works at the branch and XXXX XXXX Texas and they refused to give us information they did take copies of the death certificates and the will and submitted them and said they sent them online for review however they said they would not give us any information until we came back with the letters of testamentary. the following day I emailed XXXX the manager of that location and requested her boss 's phone number due to my sister was able to walk into the bank and withdraw {$3000.00} when she had death certificates but no will and no other information and they gave it this information to her along with the cash yet I couldn't find out any information as to how or why they let her do this. XXXX XXXX response back to us was " Well she didn't do it at this location ''. I don't care where the transactions were completed I care that Chase bank was notified of my father 's death and alerted there was a will, they were alerted differently from XXXX XXXX ( my sister ). At the very least the funds should have remained on hold pending The discrepancy to be resolved. Chase also allowed my sister to cash a check made payable to my father 's estate I'll include a copy of that in the attached documents as well.my sister does have an account there so it's possible she deposited it instead of cashed it but you should be able to research it using the stubthat I'm providing. This is a clear case of your personal banker being negligent by not protecting the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX and XXXX Ten fraudulent charges made on my card. Five charges were for XXXX and five charges were XXXX ( foreign transaction fees ). I called the Go Program Card customer service twice to alert them that these are fraudulent charges that I did not make. Both times I was told there is nothing they can do about it until the charges post. This means I have to wait until my money is stolen. They will not stop my money from being stolen. They will not stop the payments from posting even though I have informed them they are fraudulent. This pre-paid card we are forced to use for unemployment is supposedly backed by Master Card ... what good is that is they do not employ the same security and fraud assistance as Master Card? I didnt ask to be laid off and I certainly did not ask for a prepaid card for my unemployment but we arent given a choice. It makes no sense why they would wait for my money to be stolen before taking any action. Any other legitimate card prefers to stop the fraud before damage is done. They never should have authorized the charges in the first place. All financial institutions would flag it after the second identical charge and not allow 10 of them. This Go Gard company is assisting in the theft of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: CITIBANK, N.A.
State: NY
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 and savings accounts were both hacked. Almost {$320000.00}. was taken. 
Citibank has promised to return the funds but has not, except for {$20000.00}. 
Checking Account # XXXX - {$160000.00}. 
XXXX Account # XXXX - {$160000.00}.

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 explanation
Consumer complaint received 2023-03-09
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan origination date was on or about XX/XX/XXXX for the amount of XXXX dollars. 
Contacted them in XX/XX/XXXX when the payment amount went up from XXXX dollars to XXXX dollars. During this conversation asked about the loan documents and why we were unable to access them or had not received a hard copy. 
Have made all payments through auto withdrawal loan was never defaulted. 
XX/XX/XXXX of XXXX made pay off in the amount of XXXX dollars. On XX/XX/XXXX of XXXX upon checking the bank account pay of amount and monthly payment were both charged after being told that monthly payment would be cancelled. 
XX/XX/XXXX of XXXX able to access account on website but all items in regard to the loan documents are not available. Links are disabled as are previous loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I use to have a joint account thru XXXX  in Colorado back in 2017 and I closed at least my side of the account. I lost all contact with my ex partner and I didn't receive any notices from the bank. I never got any reports or notices that I can recall but I also thought that because I closed my account side I owed anything at all. The bank doesn't have my information and I don't have access to any accounts since 2017 but suddenly in my credit statements I've seen that the account I thought closed had pick up some kind of interest and it's been negatively impacting my credit ever since 2017 while it appears to me as no debt collection active and nothing owed both thru XXXX or Equifax. If I would have been aware of all this behind the scenes I would have taken proper action but now the amount owed is high and all the work I've put into having a good credit score seems to be null.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Maturity date on the mortgage statement was changed by -17 years. Line item description was changed from maturity date to contractual due date. The loan is conventional, fixed rate, no defaults, no foreclosures, no refinancing, or any other activity regarding the property. Getting a different response from mortgage company and a different response from the servicing company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: CA
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Robo calls to a cell phone. 
XXXX @ XXXX XXXX @ XXXX and XXXX XXXX @ XXXX XXXX @ XXXX and XXXX I attempted to answer the phone multiple times, however it was a robo call from Sychrony Bank. I finally was able to talk with a Rep and tried to explain robo calls were not allowed to use in contacting WA state consumers and they would need to send me information by mail or be on the line when I picked up. He stated that there are no restrictions on robo dialers and to send them the RCWs. I stated they needed to know the laws and concluded the conversation. Obviously they are using the robo callers in violation of both WA State law ( each violation is {$500.00} ) and the TCPA.

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