BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The credit reporting agencies are in complete control of our personal business lives, yet they have no accountability, no customer service, etc. Esperian is the worst of XXXX. I try to get them to update my report and I talk to someone in XXXX. This economy is based upon consumerism. It should be easier to update credit reports! 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Security National Automotive Acceptance
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I refinanced my auto loan. On XXXX XXXX I overnighted a check to SNAAC. On XXXX XXXX I called to verify they received the payment for the full loan amount and to make sure they would not pull funds from my account. I was told that no payments would be taken because they did receive the check. In fact, I was informed that I had a XXXX dollar credit that would be sent to be my mail. I was lied to. my full regular loan payment was withdrawn on XX/XX/XXXX despite being told that would not happen. Luckily I had the funds in my account, but with it being SATURDAY I am left with little to take care of my family this weekend. I called my bank but the process on their end takes up to 45 calendar days. I am really disgusted that a company can do this to people. I was given a blatent lie, and I feel like they told me what I needed to hear to get me to go away.

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 2017-01-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As part of our divorce settlement, my ex wife agreed to take full responsibility of a vehicle loan. The car was always in her possession. My ex wife decided to make partial payments and non payments after our separation. I tried to explain the situation with the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax was contacted about XXXX Bank assesing my credit file on XXXX/XXXX/2014. I told them that I had not applied to this business for credit. Please see that Equifax remove this hard inquiry from my file. Someone should be fined for assesing my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Paypal Holdings, Inc
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I am one of many affected by the PayPal Bill me later scandal in which it forced me to open a line of credit without my permission or consent. It forces you to think you are verifying your account rather than opening something new. I 'm curious how to receive compensation for this error and loss of time and finances. Hoping the consent order filed today is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have formally requested my free annual credit report from Experian twice. They have sent the same response, that " We were unable to honor your request because you did not provide sufficient identification information for us to verify your identity '' -- HOWEVER, I have sent everything they require, including : my full name, Soc Sec number and copy of my Soc Sec card, complete addresses for 2 years, date of birth and copy of my birth certificate, a copy of my driver 's license with my CURRENT address, and a copy of my most recent bank statement. EVERYTHING was legible. I have included additional copies of my Veteran 's Administration ID, voter 's registration, fingerprint clearance card, AND mail addressed to me from government entities with my current address on them. I ca n't reach them by phone or via the internet regarding this issue because they have no prompts or links to assist me with this particular matter. Another credit bureau, XXXX, has already sent a report to me with the same information. Please help me. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I received a new credit card from capital one. I went to set up the online account so that I could see transactions often and pay the bill, however, their system would not let me set the account up. I kept getting capital one error messages saying there was a problem with their site and to try again later. I called them to fix the problem. They said that my SSN was attached to an old car loan that was paid off and because of that it was pulling my old username to use, but I couldn't use that username with a credit card since it was associated with a car loan. They told me they would fix it and it would take 72 hours to take affect online. Fast forward to XXXX, I had used the card several times for a rental car and gas purchases, and I knew the bill was likely coming due even though I had not received any statements via email or regular mail, so I went online to log onto my account to pay the bill and experienced the same issue as before with the error message. I then called capital one again. That was XX/XX/XXXX. They told me they'd look into it and call me when it was fixed. They also told me it looked like some fraudulent activity had been seen on my card. One purchase for {$1000.00} to XXXX XXXX. I never used the card at XXXX XXXX, so I confirmed that this was fraudulent activity. They then canceled the card and issued me a new one. Two weeks later, I still had not received a call about them fixing the online access to pay the bill, a statement in the mail, or the new card, so I called them again. I went through the same song and dance as my earlier XXXX call. I even got disconnected and no one called me back. I then called the next day. The same thing happened. I then called on XX/XX/XXXX infuriated because they were doing nothing to correct the situation and were not allowing me to see my statement to further investigate any fraud that we know indeed did happen. They told me they would escalate the situation higher and they call me when it wasn't fixed. The next day, today, I found out that my new card was not working. I called them to ask why. They said it's because my balance was five days past due. I lost it. I have been trying to lay this bill since the first week of XXXX, but they refuse to send me a statement or allow me online access to look at my statement. With fraudulent activity being on the account, I want to view the statement before anything gets paid. I feel that I have the right to see the statement. I believe that it may even be a federal law. Instead, capital one is stalling so that interest and fees build up first before they allow me to see the statement and pay the bill. This is downright wrong and unethical. Please do something!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX Tribes Of The XXXX XXXX Reservation Tribal Government Fund paid the bill back on XXXX/XXXX/2015. The tribe had multiple contacts with them about this payment from my understanding each time they talked to them it was being handled. I then started receiving phone calls from Credence Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Telephone number XXXX. I stated that I believed this was taken care of and I would contact XXXX at the XXXX tribal clinic. XXXX told me she would call and take care of it. They have sent numarous letter each I have taken to the clinic they told me fedral funds will not pay twice for a bill. On XX/XX/XXXX XXXX XXXX talked to them and had it all resolved she can be reached at XXXX she has all supporting documents. There is also another payment made on XX/XX/XXXX for XXXX that there are trying to collect on with me too.

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 2017-02-10
Company: Interstate Recovery Service, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Interstate Recovery Services is pressuring me to pay a debt they claim I owe ( {$890.00} ). Deceptive marketing, fraud and harassment tactics are used in attempt to collect payment for so called magazine subscription contract from All American Readers ( ARR ) that they say I owe. I was contacted by XXXX saying that they would send me a free {$250.00} gift card with the purchase of XXXX magazines. I rec 'd the magazines but not the gift card, then began being charged $ XXXX on my debit card. I tried cancelling but could not. My bank reimbursed me and cancelled my card. Now I receive constant calls and letters threatening legal action if I do n't pay. And have been turned over to Interstate Recovery Services for collection of so called debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I called them after disputing the info that was incorrect on my report and they said it was correct. 
And that they would not allow me to dispute the information again even though it is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
ally auto repos the vechile within XXXX month of being deliqent of XXXX car payments, after a month prior they agreed to put me in forbarance. The manger refused to listen to previous recorded calls unless requested by attorny.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After an unsuccessful foreclosure mediation which resulted in Certificate to foreclose was issued ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ) we requested a review and approval of a loan modification. From the original modification request, we have submitted the lender 's documentation request always in a timely manner. The lack of communincation with our lender negotiator caused the documentation we submitted each time to go stale and cause the lender to request the same information over and over again as if the underwriter never received what we submited or received it later than we provided it. Now we are faced with Foreclosure Sale Date on XX/XX/XXXX. We have submitted a new modificationm request and when we contact the lender for a confirmation of the documents it is confirm the documents are in review then we call the next day and something else is requested. All of which was already provided. Since we are still receiving the inconsistencies that we dealt with for the past year, we feel very worried that the loan modication package review will not be given the allotted time needed to request a postponement. As such we are reaching out the you in the hopes that our file will be reviewed in enough time to request the postponement. Through the whole year that we have gone back and forth with the lender and the documentation request process not once were we declined the mod due to the financial/hardship status, etc it was because of documents not received on time which baffles us. It seems that all of the documentation request we received advising a decision should be made in 5-10 business days or 7-20 business days ( info stated in document confirmation letters received from lender ) that after a year worth of this back and for we would have had a decision by now which would have not led us to our home risking a foreclosure.m

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: First Data Corporation
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Please read Case number : XXXX because this is a continuation of that case that i thought was done. 

On Thursday XXXX/XXXX/2017 i contacted XXXX XXXX to say i got the credit card machine back and can use it. I gave her updated business checking account information and asked her if we were good and that it would not go on my Personal Credit Report because of the situation of the business being sold a year ago and not in control of the machine anymore. She said that we were good and that it would not go on my Personal Credit Report! 

On Monday XXXX/XXXX/2017 i checked my Personal Credit Report at night on XXXX XXXX and saw that it was on my XXXX Credit Report. Out of 10 years of being a business owner and leasing Credit Card Machines from other companies has this ever been on my Personal Credit Report. 

After i saw it my Personal Credit Report i called XXXX XXXX at XXXX and left a message to call me back ASAP. 

On Tuesday XXXX/XXXX/2017 i called again in the morning to call me back. Later on XXXX/XXXX/2017 at XXXX XXXX XXXX called me back and said she did not say that it would not go on my credit report, i said yes you did, she said no i did not, i said yes you did and then i asked if the conversation was recorded. 
She then said she will have boss contact me. Then we went back and forth, and she hung up on me. 
I then called back and left a message thanking her for hanging up on me. She eventually called me back about 15 minutes later saying she did not hang up and that she will have her boss contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditor 's collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

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 2016-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Mortgage servicing was transferred from XXXX company to another in XXXX XXXX. The new mortgage servicer ( Freedom Mortgage - XXXX TX ) did not start reporting information to credit bureaus until XXXX XXXX. XXXX are properly reporting status ; Experian refuses to investigate why Experian is not reporting the information - referring me once again to XXXX Mortgage. My credit score has decreased from XXXX to XXXX since XXXX and as a result of the bad/incomplete information a {$19000.00} unsecured line of credit was closed by XXXX XXXX XXXX and I have been denied a HELOC from XXXX XXXX XXXX. Experian 's lack of cooperation to resolve this matter concerns me as not only am I suffering loss of credit, but I am also concerned about potential impacts to my XXXX XXXX XXXX as the credit score continues to go down.

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 2015-07-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
We were charged for a recurring service by Experian that we never signed up for. Our account numbers are XXXX and XXXX. They refunded us for one month but two months of charges remain ( {$19.00} x XXXX people x XXXX months ) = approximately {$80.00} total

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX fay servicing acquired my mortgage. On XX/XX/XXXX I paid off mortgage. I called fay servicing to make sure wire transfer had been received it had. Iwas told that I could check with county deeds after 7 days then XXXX and then 45 days. On XX/XX/XXXX I spoke with a man named XXXX he placed me on hold then informed me the mistake had been on their end give them 3to 5 business days the situation would be resolved, it wasn't .on XXXX I 1st spoke with a woman who placed me on hold so that i could speak with supervisor then line went dead. Next i talked with XXXX XXXX who took my email, gave me his email and direct phone line, he informed me to call him by XXXX XXXX  if I did not hear from him 1st. XXXX XXXX  no answer on phone no reply to email. I spoke with a total of 4 people what I learned was customer service is in IL lien release is in Tx customer service has no direct line to anyone outside their dept so they can only tell you what is in comments on your screen. XXXX talked to 2 different people who said this had been given to vp of their dept.and that's really as far as I could take it. The last one was a lady who introduced a new number 90 days. I live in TN. This state has a statute of 30 days or company incurs fine. What I don't understand is the misleading information that makes you think you are making headway when your just getting runaround I just want to know has lien release been sent to county if so how and when if not when might this take place I just want to conclude business transaction. I was never late with payments and paid off mortgage 8 years early.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian claims to have verified a collection from XXXX # XXXX. However the other XXXX credit bureaus investigated and deleted this. Experian did not do an investigation or they too would have deleted it.

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 2017-03-15
Company: BlueChip Financial
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am self employed and I started having health problems and still am to this day under several doctors care. I lost my income and i wasnt able to pay the monthly installments. I tried to work out something else and they refused. Kept calling with threats. Today i get a call claiming it was a courier trying to deliver a letter thaf i had to sign. then called friends and relatives. I called back to see what they were talking about and the guy said i owed XXXX dollars on a XXXX dollar loan. I said really do you think I got that kind of money. He said he wasnt going to argue with me. he threating to take me to court. i told him that was predatory lending and the amount was ridiculous. He keep gettin smart so i hung up. then a few minutes later he called back. my number is on the do not call list but they keep calling. The company is Spotloan

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX continues to send fraudulent debt charges to a new debt collector. I severed my service after working with their c/s to improve service outages, dropped calls and roaming when I was local. I worked with them by using new phones and repeater antenna. None of their failed solutions were successful so I was released by them from my service. I was not under contract any longer. I returned all phones, and paid my last bill. They are charging me for returned phones and service long after I had ported my phone numbers. I have contacted them, and each of the debt collectors by phone and in writing. They continue to harass and lie about the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: Blackhawk Network Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
XXXX XXXX Offered us a {$100.00} XXXX card if we switched our cable and internet from XXXX XXXX to them. We changed and they sent us a card, but it had zero dollars on it. When we called XXXX XXXX they said we had to call a third party vendor for the card, Blackhawk XXXX. Blackhawk XXXX said the card was used for fraudelant charges XXXX and the card had never been activated. They told us to send in a dispute form, we did, and they sent us another zero balance Pre-Paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I continue to have problems with XXXX XXXX XXXX and Quality Loan Service in XXXX XXXX. Their latest move is to reschedule a foreclosure sale to XX/XX/XXXX but they have scheduled it to be held in XXXX, CA, instead of XXXX XXXX, CA, which is not what is stated in the NOS. This is a violation of CA Civil Code 2924g. In addition, I have been unable to locate where notice of the sale has been published. In addition, they dates on their website as to the dates of the NOS and NOD are incorrect.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation