BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit reporting agen cy ( CRA ) wa s contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,    2017. I n the letter I cited FCRA Sect ion 609 ( a ) ( 1 ) ( A ) r equesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX  , 2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX ,  2017, re questing the method of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), t he CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via ce rtified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a t hird dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). The CRA  has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I se nt a written letter to the CRA explaining that the account numbers for  XXXX  of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, pr ess release titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
transunion file # XXXX On XX/XX/XXXX i sent my first request for investigation letter it was delivered XX/XX/XXXX. Transunion then responded that the accounts were verified. I then responded XX/XX/XXXX requesting for Transunion method of verification. Transunion then responded again that the accounts were verified without providing me with their method of verification. I sent another letter XX/XX/XXXX after receiving from Transunion again that the accounts showing them that the accounts were not properly verified due to all the inaccuracies. Transunion again sent a letter saying that it is still verified with no changes and still not provided their method of verification. I sent another letter disputing these error again showing how it is inaccurate XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Pursuant to 15 U.S. Code 1666b - Timing of payments Discover Bank you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
In  XXXX , I noticed there were many accounts listed on my credit report that did not belong to me. I tried correcting this in  XXXX . Again I checked in  XXXX  and it was still incorrect. I filed another dispute then. Checked again  XXXX   XXXX ,  XXXX  and the information is still incorrect! I filed a dispute for the  3rd tim e and the results came back incorrect again. They are mixing up my information with another person 's because we have similar names, live in the same state, and have similar Social Security numbers. They have never fixed the problem and I do n't know what else to do.

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 2020-03-05
Company: Exeter Finance Corp.
State: PA
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:
( 4 ) XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) Exeter fin ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX All hard inquiries showing on my credit  report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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 have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no means of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2016-09-06
Company: Westlake Services, LLC
State: AZ
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
Westlake financial wont take payments by any means. They lied and said my moms check bounced and were trying to charge a XXXX dolloar insufficient funds charge. My mom went to the bank and the bank said " westlake lied and never even processed the check ''. Westlake states they take paymentd through XXXX, XXXX XXXX, but refused tsking payments through these means as well. Its like the company refuses to take paymenys just so they can repo vehicals. A guy came to my home and threatened that he was calling the police and sat outside for a half hour and then left. I demand an auto bailout from westlake financial

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was doing a general search online and discovered a judgement against me in  XXXX  County that I was never aware of.   The suit gave them a default win because I was not present to defend myself because I was not aware of it. The court date was  XXXX / XXXX / 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: NC
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:
I had an account with XXXX XXXX Bank. In XXXX of XXXX I was late for a payment. At that time XXXX XXXX Bank reported the delinquency to the credit reporting agency. In XXXX of XXXX this same bank sold my account to another bank and no longer existed. In XXXX of XXXX Experian reported that this company reported me 30 days late. This company XXXX XXXX XXXX Bank ) no longer existed so this information was false, this company did not make that report it was reported 5 years earlier.

I made a complaint to Experian and they did show the company closed and transferred the account to another company but never put the points back on my credit score.
This type reporting is unfair and damaging when the late payment was already reported 5 years earlier, reducing my credit score at that time and should not be used to reduce my score repeatedly. 

Experian constantly pulls something out of their hat to cause my score to decline but never shows anything positive no matter what accomplishments are made, not to mention their use of XXXX, which is nothing but a false statement that does nothing to help customers scores.

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 2015-12-30
Company: Utah System of Higher Education
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My educational institution, XXXX XXXX XXXX XXXX XXXX XXXX, initiated my repayments in XXXX through UHEA ( XXXX ). At that time, I owed approximately XXXX, XXXX dollars. Through a deferment, inability to " communicate '' with XXXX, getting conflicting information from them when they would respond, there total lack of cooperation in providing statements and other loan specifics as well as my own ignorance in just refusing to deal with them or my loan for about 2 years, I have since paid approximately XXXX dollars to them and still owe them approximately XXXX, XXXX dollars. I am nearing retirement and do n't feel I can maintain these payments much longer as I will not have the money. It trying to work with them to settle the loan, I received but rude and degrading comments. I am at my wits end about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have been a victim of a fraud and identity theft. Someone stole my Chase Atm card and saw my pin ( maybe over my shoulder I can only speculate ) the amount stolen was {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have XXXX police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded. 

I informed the FBI, the XXXX and Consumer and before I take further action I wound like you to interfere with Chase and send this complaint on my behalf. 

Thank you in advance! 

Truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage company failed to pay my county taxes for tax year XX/XX/XXXX in XX/XX/XXXX. So the XX/XX/XXXX taxes and the XX/XX/XXXX taxes were on my XXXX XXXX. This caused my itemized deductions to be too high and I ended up hitting XXXX and lost about XXXX in refunds. Because they paid the XX/XX/XXXX taxes in XX/XX/XXXX The escrow analysis for XX/XX/XXXX was not correct. The escrow analysis for XX/XX/XXXX showed a shortage of {$6.00}. The escrow analysis XX/XX/XXXX shows a shortage of {$4200.00} this is due to escrow not being calculated correctly for XX/XX/XXXX and was carried over to the XX/XX/XXXX escrow analysis. All the taxes were paid in XX/XX/XXXX but the amounts were not update in the escrow analysis. Basically I am playing catchup for XXXX years.

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 2019-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter.

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 2022-03-15
Company: BANK OF THE WEST
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/2021 I received a letter stating I owed {$10000.00} as a cosigner on a XXXX loan for my son XXXX XXXX. He surrendered the vehicle without my knowledge or approval. In fact they claimed I was the sole owner and signer on the loan. If that were true nobody but me should have been able to surrender the vehicle. The amount they ended up reselling for was {$15000.00} less than the amount paid off and the blue book value of the vehicle. I was never given the opportunity to take over the payments and sell at a profit other than the exaggerated loss they claim. I started paying XXXX} per month to keep this issue out of collections while I contacted the federal agencies and now your agency. This is complete fraud on the part of my son and Bank of the West. They have so far refused to return the XXXX to me or remove me from obligation. I could easily sold it as a take over payments and even collected a cash amount over and above the amount they claim to have sold it for.

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 2015-03-30
Company: Paypal Holdings, Inc
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
For CFPB & PayPal Inc, Thank you for deciding to read this message to help me out in regards to a indefinite suspension which was Issued on my servicing account with PayPal. 

On XXXX XXXX, PayPal decided to manually overview my account and believed it was best to finalize my partnership. This was due to a possible violation which may have happened on my account. The permanent restriction was placed on my account causing {$1000.00} to be held at my expense. 

The concern was that I was believed to infringe the rights of copyright holders when processing my sales with PayPal. After contacting agents to overlook the decision by phone and email, my request was denied. 

The reason being is that the items I sell are not fake. They are legally obtained through liquidations. I have been selling for over 5 years now, never having a problem with any brand owners regarding copyright infringement. We have now started drop shipping from our exporter for Almost two years with PayPal, coming to around XXXX satisfied eBay customers due to our exporters expertise in shipping within handling time, while providing items that are known for there authenticity. 

As a last reminder, please note that we have never had to a case opened under the counterfeit category with PayPal. This assures that we as a business never had any related " counterfeit '' problems with PayPal until this indefinite restriction came in place. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Hello, On XXXX XXXX, XX/XX/XXXX, I sent payment via Paypal in the amount of {$750.00} to XXXX at XXXX XXXX for aftermarket XXXX XXXX automotive headlights. XXXX 's company is located in XXXX, XXXX. For months, I contacted XXXX via XXXX messenger regarding the status of my order and why my item has not been shipped. XXXX has continuously promised that my XXXX would be shipped out XXXX, XXXX, XXXX, XXXX of XX/XX/XXXX and XXXX, XXXX, and XXXX of XX/XX/XXXX I have received nothing but excuses and failed promises. I have all records of my correspondence with this seller. More than XXXX, I have asked for a refund. He did not respond. My XXXX attempt to contact the seller was XXXX XXXX. He has still not responded. Unfortunately, Paypal will not let me dispute a claim regarding this transaction. {$750.00} was withdrawn directly from my checking account and sent via Paypal to XXXXXXXXXXXX. His company website no longer exists. His phone number listed on my Paypal website is XXXX. His " Customer Service URL : http : XXXXXXXXXXXX. His " Customer Service XXXX : XXXXXXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: The J. G. Wentworth Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I own 2 homes. Historically I lived in one and had the other set up as investment property and rented it out. I am being transferred by my employer to within 20 minutes of my other house and have had no tenants since XXXX, so I was refinancing it to change it from investment property to a primary resident. With then the plan to either rent out or sell the home I have been living in. 
I provided the lender JW Wentworth with all of this information. I provided all of my paperwork to prove eligibility within 2 days. Several days later we were ask again to send in all of the same documents that we had provided. 
Both my husband and I have credit scores over 800 and income of over 200k. With no negative marks on our credit. This should have been an easy close mortgage. 
We agreed on a XXXX refinance at 3.75 % with no appraisal required as the home is worth over 600k. This loan was to be 30 years fixed and no points. 
When the federal reserve lowered the interest rate, we requested to use the option in our original documents and also requested a reduction. After a lot of stalling, the reduced the rate to XXXX %, still with no fees, no points and no appraisals. 

The loan came back from underwriting that we were fully approved for credit wise and house wise, except that they wanted us in the house before we would close it. As we wanted some cash out to finish a few repairs and to move, this was not really possible. We were told by the loan officer originally that a letter from my explaining the situation, a letter from my employer and proof that the homes were over 200 miles apart would be all that was needed to show that it was going to be a primary residence. All of this was provided in the original packet. We appealed this and sent in proof that we had already change the address on several accounts, at our bank etc. 
The appeal came back that we needed to list it as a 2nd home and they could approve us. We were told that nothing would change in the terms. 
After another 4 days. we were called and told that we would now need a full appraisal and the terms would be changes since this was different. 
This has put us in an awful position as we clearly told them from the beginning that we need this loan closed before XX/XX/31. We will now be starting completely over with a different lender.

Company response to consumer: Closed with explanation