BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been trying to get XXXX XXXX XXXX and Experian to list my mortgage payment/history but neither will get it done. I have sent letters to both and and have talked to my bank rep. Because the information is not making on to the report my score is much lower than the scores of the other XXXX agencies that do report it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is knowingly and willfully placing erroneous and fraudulent information on my credit report. I have sent them the proper paperwork, that shows them the information they are listing on my credit report is fraudulent. 
Experian has somebody else social security number listed on my credit report. Experian has some body else child support account listed on my credit report. Experian has XXXX addresses listed on my credit report, that I have never lived at. Experian has XXXX misspellings of my name listed on my credit report. Experian has XXXX telephone numbers listed on my credit report, that are not mine. 
I have disputed all this information via mail with Experian. I have sent them the original copies of the proper documentation to remove this erroneous and fraudulent information from my credit report. They still will not remove it. Please make Experian remove this erroneous and fraudulent information from 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 2015-05-13
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I wrote a letter in response and follow up to a phone call I had made to a representative of Pay Pal and was instructed to send Pay Pal a letter documenting a complaint that I felt borders predatory practices. 

" On Monday the XXXX day of XXXX, I was asked by a property management company if I would sign up for a pay pal account to pay an invoice they had prepared for me. It did not appear to be that big of an inconvenience, and thought in doing so, I may use from time to time when vacationing via XXXX, to pay for stays seeing it is widely used throughout XXXX. After joining, I paid a small invoice and thought nothing more about until I received a letter dated XXXX/XXXX/2015, stating I had been denied credit. I know that I had not requested any credit cards with pay pal, or any other type of credit, I became alarmed that someone was using my information that I provided when joining pay pal and quickly called to cease any malicious action on my behalf that may be occurring. After speaking with the pay pal representative and her looking over the online correspondence, it appears, from her account that I entered the last XXXX of my social thinking that it was part of signing up for a pay pal and inadvertently requested credit on my behalf, which I most certainly was not aware of! She told me that this is a common mistake and to write this letter. With that said, I feel that the way in which the credit is presented appears to be consistent with the remainder of a pay pal account, and most definitely not a third party/bank ( XXXX XXXX Bank ) soliciting and extending credit. I believe it is predatory in nature and a reputable company such as pay pal should remove immediately and or make VERY clear what the nature of the pop up window is. 

I kindly request that pay pal remove any and all request for credit off my credit report. 

Thank you in advance for your cooperation. 

Sincerely, XXXXXX '' Last XXXX of SS : XXXXDOB X/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
By law the Credit Reporting Agency is required to investigate and validate all accounts reported on a credit report ... .they should be able to supply to person 's name who entered the information ... .the actual contract or physical proof that is in their files to support the information being reported, yet, they refuse to investigate and verify properly.

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 2015-07-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I owned a Chase debit card that was fraudulently stolen and used for purchases at several retail stores in XXXX XXXX. I attempted to work with Chase but their independent review led them to believe that I was the one making the purchases even though I submit proof that I was in XXXX XXXX at the time of the purchases. Chase then took over XXXX dollars that was in my personal and joint accounts. This has been ongoing since XX/XX/XXXX with a final determination coming in XXXX 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: ALLY FINANCIAL INC.
State: CT
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:
I bought a used car, a XXXX XXXX XXXX, VIN # XXXX, that I financed through Ally Auto Finance. I was involved in an accident in XXXX of XXXX in which the car was basically totaled. The insurance company settled with the finance company ( Ally ). In XXXX of XXXX, I received a letter from Ally ( copy attached ) in which they stated that they sold the car for more than what I owed on it and that I was entitled to a refund of the surplus in the amount of {$11000.00}. The letter was dated XX/XX/XXXX. I waited several weeks but did not receive the excess funds as promised in the letter. I made several phone calls to the company and was given the complete runaround - put on hold for hours, transferred back and forth among various agents, but no one could or would give me an answer as to when I would receive the funds promised in the letter dated XX/XX/XXXX. In XXXX XXXX, I sent a certified letter to Ally demanding payment as promised. It has been over a month since I sent the letter and I still have neither received the funds or so much as a response to my inquiries. I am a single mother who has been significantly impacted by the Covid pandemic financially, and I desperately need the money I am owed.

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 monetary relief
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted Experian on a number of occasions to inform them that US Dept of Education Account is reporting inaccurately 3 times on my credit file. The account is showing Derogatory status and this account is currently being paid as agreed. I will like for them to change this derogatory status. The account is showing as KD and it is not. I am paying them every month ontime according to their payment agreement.

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 2017-04-28
Company: Velocity Portfolio Group
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
In   XXXX   XXXX    , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing Velocity Investments, LLC regarding a loan that I had with   XXXX   XXXX   XXXX   that was purchased by Velocity Investments, LLC.  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20  times in  one  day and when I did not timely return a message that was left, the collector called every member of the  executive  management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney Mr.  XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved. Mr.  XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to Velocity Investments, LLC who now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  3  unanswered emails to Velocity Investments,  LLC in an a ttempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted Mr.  XXXX   XXXX  by phone who identifies himself as the Compliance  Officer  a t Velocity Investments, LLC  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gav e Velocity Investments, LLC  more than 10 days to confirm that and contact me and they have not done so. If Velocity Investments, LLC refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against Velocity and  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Freedom Mortgage Company
State: WY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refinanced a loan with Freedom Mortgage approximately 5 months after buying our home. We got a letter from them stating we were eligible for a VA Streamlined refinance that would not extend the term of the loan, as well as " no out-of pocket closing costs ''. An estimated closing date for the refinance was XX/XX/XXXX. We mailed a partial unapplied payment of {$530.00} just in case we did not close on XX/XX/XXXX and would have to make a payment on XX/XX/XXXX. Called and spoke with customer service to see if closing date was firm, it was, and then asked if our balance sitting in unapplied funds of {$530.00} would be applied towards our new loan. She said yes. None of these events actually transpired. Our original maturity date of XX/XX/XXXX changed to XX/XX/XXXX. Our {$530.00} was incorrectly applied to our old, now paid off loan. We have spoken to employes in customer service two more times about getting the {$530.00} applied towards new loan and were told it would be taken care of. Still has not been corrected as of today, 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 explanation
Consumer complaint received 2016-07-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I paid a service provider {$2200.00} through Paypal. The " seller '' aka contractor, declined the money on XXXX XXXX ( same day it was sent ) because it was a 21 day hold to receive funds. So once the Seller declined, and funds never touched their bank, it was expected they would be returned to me. However this was not the case. It took until XXXX XXXX to receive funds after 3 phone calls and long conversations. Paypal refused to release my funds saying they were doing this to protect me. There was nothing requiring protection, however. I simply had money debited and Paypal simply held onto it. After getting a supervisor on the phone they released back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I noticed that my XXXX score reported by Experian XXXX to XXXX XXXX XXXX had dropped almost XXXX points between XXXX and XXXX ; however, I am in good standing in all of my accounts and pay my credit cards in full every month. So I called the number provided by Experian in the report to ask. The phone menu provided me options to ask about my XXXX XXXX credit report or XXXX ) XXXX score, so I selected ( XXXX ). XXXX, the female Experian employee I spoke with, repeatedly apologized and told me that they do not know anything about XXXX scores, was not sure why the option was in the menu, and can not help me or direct me to anyone who could. She could also not enter a dispute. I asked her to direct me to the Experian department that could help me. She placed me on hold to speak with a supervisor and then provided me with a phone number : XXXX. She confirmed that this was a department from within Experian who could assist me with my XXXX score dispute ; however, I called and it is a paid credit monitoring service that also is not able to help me. They advised me to find and hire a XXXX party local advisor. I believe that if Experian is reporting my score, it should take responsibility and be able to provide answers or justification on how and why a score can drop suddenly with no recent adverse activity.

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 2016-07-05
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We had talked with a lender and applied with him. We used his specific guidance on a quiz for down-payment assistance, and filled it out exactly as he said we needed to. After we were pre-approved for the loan as well as the down payment assistance and already under contract on a house, he called and said we did not qualify for the down payment assistance, but said he could go ahead with the loan. He had promised and reassured us numerous times that it was good to go before submitting an offer on a house. He never could put together a good-faith estimate, nor any other details as to costs, closing or otherwise. When we asked for explanations for anything, his responses were short and lacking detail and never really answered our questions. He was never able to supply information on any costs related to the purchase of the home, only a guess at what our monthly mortgage payment " may '' be. Somewhere during this process he switched companies but never notified us of the change, only a new email. We decided to go with a trustworthy lender and fired him from our contract, and hope no-one else has to go through the XXXX of his incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-03-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As on all XXXX of my credit bureaus XXXX has filed inaccurate information on me, they refuse to remove it but underBy its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. Two FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue XXXX for false inaccurate information. This needs to be done ASAP

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 2021-01-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I had to re-sign e-docs several times because of not adding taxes in ( which is an understandable & fixable mistake ), then to resign because of closer computer issues. Then it was confusing if I needed to resign again after rescheduling hard copy Notary visit to home for signature to Title Company. 
Then, meanwhile ... .I was approved for 100 % XXXX to get my Property Taxes waived and no one ( Loan Processor, Originator & Closer ) couldn't tell me where to send my Verification Letter from VA. The Loan ProcessoXXXX vaguely pointed me back to the direction of Lakeview Loan Servicing Company. So, I tried several times for many days to try to find the correct email to send VA letter. I couldn't get in touch with Lakeview Loan Company so after about 2 weeks I finally figured out on my own through several phone calls and looking through hard copy of the Notary visit the Servicing Company and after being transferred a couple of times, I found the lady that could put me on hold & take the time out of her day to help her customer with a very legitimate inquiry. Come to find out that I needed to send the verification letter to none other than the Loan Processor, Closer or Originator ... go figure?

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 2021-01-19
Company: CITIBANK, N.A.
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:
There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. CITIBANK NA., BEST B Inquiry : XXXX. XXXX, 2020. XXXX XXXX : no contact information has been reported by this creditor. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2016-01-28
Company: ACCESS GROUP INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Perhaps this is a common problem. I have had private law school loans since 1998. These loans are currently split between XXXX service providers - XXXX ( formerly XXXX XXXX ) and Access Group ( ACS ). Since my loans went into repayment, I never missed a payment, and paid my full amount owed every month. However, in the last couple of years, I 've had some challenges. I had to take time off from full-time employment due to some health issues, and we needed to relocate for my husband 's job across the country. I had a baby. I needed to stay home for a while. With both loan providers, I was able to suspend the federal loans, but the private ones have been more problematic. I am told I have no other options with those at this point. The monthly for ACS is {$270.00} and the monthly for XXXX is {$230.00}. The financial stress on our family is significant because of this, as I am not bringing in an income and not receiving any type of unemployment assistance. The lenders claim I have no options. I asked if it might be possible for me to pay a lower amount each month until I obtain employment. The answer was no, that this would still be considered default, even if I paid XXXX-XXXX percent of the amount owed each month. Essentially paying a substantial portion counts for nothing. I feel that this makes no sense and is borderline predatory. It seems as if trying to work out an arrangement with them is impossible. I understand why people give up and do n't pay at all. However, I have excellent credit and it 's important to me to retain this. It 's going to wipe out our savings over the next few months. I think the unwillingness to work with clients during financial difficulties is a real problem. This is not credit card debt. Most of us with these loans are responsible consumers. The failure to work with an individual who is willing to pay the maximum possible in his/her current financial situation, is something that I felt was worth documenting. Thank you for your efforts to monitor business practices by the student loan industry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation