BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I refinanced my mortgage via XXXX XXXX XXXX  - who then sold the servicing to BSI Financial in XX/XX/XXXX. During this month my homeowner hazard insurance and XXXX property taxes were due. The Escrow account was transferred to BSI but no payments made. I was told that they fell through the cracks during the transfer from XXXX XXXX. 
( * ) XX/XX/XXXX - I called BSI financial and told them that my insurance and property taxes were not paid. They told me to send them info for the county taxes and insurance company to their customer service email address : XXXX I sent them emails with attachments for the annual premium and property tax. 
( * ) I called and resent the email with attachments 10 days later. 
( * ) I paid the insurance with my credit card so as to avoid not having coverage. 
( * ) I call on average every two weeks to check on status - each time there is no status. 
( * ) XX/XX/XXXX BSI sent payment for insurance and 2 weeks later my insurance company re-imbursed me ( * ) XX/XX/XXXX - I called two times about property taxes not being paid and I was reassured that any penalties or interest would not come out of my escrow - being told it was being escalated - now 5 months delinquent and XXXX taxes due in XX/XX/XXXX. 
( * ) my last call with BSI financial customer service I my call was dropped as the rep was researching why they did not pay out of escrow - which continues to accrue funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Capital One sends me advertising to re-finance my auto loan to save money. I've gone through their prequalifying process a few times, they always offer me a higher interest rate ( which they are well aware of because they have me click on my current loan that has the rate and payoff balance ) however they continue to insist I will save money by refinancing. When I call them they say " well we save you money by offering a lower monthly paymemt '' but of course they do not explain that you are paying longer on the loan at a higher interest rate, and thus you are paying more over the life of the loan. Their process is intentinally deceptive, and outright lies to consumers in violation of fair lending. They refuse to be honest about the loan costing more, and many times when I call pointing out that the loan is more expensive they tell me I can't do simple math and insist that the loan they are offering will in fact save me money, or if not it's just an estimate so they can't be held accountable for lying to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have not been able to find a means to dispute the incorrect information Equifax has on their credit report on me. Equifax telephone numbers do not allow for dispute of their incorrect information. only to put a 90 day fraud alert- but the incorrect info remains. To mail a request to one of Equifax address is a waste as they can just trash it. The Equifax credit report viewed on my XXXX acct shows an incorrect address for my residence and in a State I have not even been in. And someone tried to open an account in my name and XXXX did closed that account. The incorrect address can cause a fraudulent situation which had just occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm been trying so hard to disputed all the wrong information with Equifax multiples times, I keep sending then information about my informationbut it looks like they do n't care, please I need your help to fix this problemright away since it is been a nightmare for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is against " Seterus '', a debt collection and mortgage servicing company. 
My complaint would qualify as an overpayment of funds that are not being returned or acknowledged. 
Description - In XXXX of this year I set up a repayment plan to catch up with my mortgage. The agreed upon plan consisted of five monthly payments. The first payment of {$2900.00} and the remaining four payments of {$2200.00} each. After which regular payments would be made. 
The plan was set up and completed just as agreed upon. Each payment was drafted from my checking account and paid in full. This we agree upon, but XXXX additional ; payment of {$1400.00} was made on XXXX XXXX that they have no reasonable explanation for. I 've called 4 times, spoke to supervisors and various other analysts and they give me the go around that no reasonable person could understand. They do admit that mistakes were made on their part, but still refuse to return the money to me. ( I have statements and records to verify my facts. ) Please help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my account or permanently limited. I can't withdraw it because i don't have any credit or debit card, and I don't have bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX  XXXX  XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX  XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$62000.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$23000.00} XXXX  XXXX {$500.00} XXXX XXXX {$900.00} XXXX/XXXX XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXX-XXXX XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00} 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 2022-03-26
Company: Experian Information Solutions Inc.
State: GA
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:
The XXXX mainConsumer Reporting Agencies ; EXPERIAN, XXXX, and XXXX are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true identity.

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 2022-03-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Venmo account was frozen out of no where for absolutely no reason. I am not able to manage or retrieve my remaining balance and not able to get answers from anyone from Venmo in regards to the issue. I would like my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-19
Company: ALLY FINANCIAL INC.
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Date of purchase : XXXX/XXXX/XXXX Reason for Complaint : The contract written up by XXXX XXXX was not completed properly. In the Federal Truth-in-Lending Disclosures box the Total Sale Price is incorrect by {$4100.00}. I received a correction letter from the lender, Ally acknowledging the mistake on the contract, but due to the fact that the mistake is in the Federal Truth-in-Lending Disclosures box, violating the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Yet, it was still accepted and funded by the lender. 

After talking to the lender on recorded lines, ( first to XXXX - employee # XXXX XXXX and second to XXXX - employee # XXXX XXXX, they tried multiple times to say that they would just have their administration department make the changes to the contract, which is not legal due to the location of the mistake on the contract, and tried to manipulate the conversation to make it seem like I was asking them to make the changes to the contract. 

Finally, I spoke with a Supervisor named XXXX - employee # XXXX XXXX multiple times over a 1 week period to XXXX - employee # XXXX XXXX ) I was told that I was correct that the contract is not valid, that the mistake is not my fault, and that I was not responsible for paying it. I was also told that if it were to happen again in the future, I would be liable and if I do n't pay my credit would be negatively affected. She was supposed to get in contact with XXXX XXXX to inform them of the situation and unravel the deal and then call me back. She never called me back, so I called her. She then proceeded to tell me that both XXXX XXXX and Ally agree that the contract is sufficient, and that I am ultimately responsible after all. However, as mentioned before, the contract violates the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. 

Copies of the contract and correction letter are attached to this complaint.

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 2022-08-04
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought an XXXX  XXXXXXXX XXXX XXXXXXXX that was locked to the XXXX  network from BestBuy on XX/XX/2022. I paid the full amount using my BesyBuy credit card on XX/XX/2022. XXXX sent me to collections recently for an amount of {$1000.00}. I called XXXX customer service to find out what this amount is meant for and I was tol by the customer service agent that the amount is for the XXXX XXXX XXXX XXXXXXXX device. I explained that I already paid the full amount and that XXXX should contact BestBuy to verify that I have paid off the full amount for the phone. They refused. They sent me to collections because I would not pay twice for the same phone. 
I am writing this so that this organization would mediate between me and XXXX regarding this issue. In the first place, I did not purchase a phone from XXXX. I purchased the phone from BestBuy and I see no reason XXXX would contact me to pay for a phone I already paid for. 
Another argument XXXX brought forward was that EMEI number in my receipt does not match with the EMEI on the phone. I contacted BestBuy regarding this and they made me understand that there are two EMEIs on an iphone. EMEI1 and EMEI2 on the phone box. EMEI2 number was used to process my payment from BestBuy and according to BestBuy, any of the EMEIs is good enough. XXXX only wants to see EMEI1 on the receipt or on the account. I am only a customer that purchased an item and I am not responsible for creating receipts. BestBuy and XXXX should work this out. I have lost almost 60 hrs of work time from XXXX till now driving around to XXXX and BestBuy store trying to solve this problem without any progress

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 2022-03-26
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 have submitted prior disputes regarding XXXX XXXX XXXX Accounts that are on my credit report. Experian is not allowing me to dispute these accounts despite the requirements of Regulation F not being met by XXXXXXXX XXXX, in violation of Federal law. These accounts should have been closed and removed as they have not been validated.

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 2020-03-18
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On    XXXX   XXXX   XXXX  ,  I took out a student loan with  XXXX . In  XXXX   XXXX ,  XXXX  reported it as delinquent and threatened to sue me. After a written request to cease harassing communication in  XXXX   XXXX ,  XXXX  did not communicate or attempt to collect the debt. On  XXXX / XXXX / XXXX , my credit report reflected the negative account as being due to drop of my report in  XXXX   XXXX . On  XXXX / XXXX / XXXX ,  XXXX  issued a  XXXX  With event code H for this loan. From on or abou  XXXX   XXXX   XXXX   until  XXXX   XXXX , I have had a  credit score in  the mid to upper  XXXX .     In  XXXX   XXXX ,  XXXX  assigned the loan to  XXXX   XXXX .  XXXX  refused to accept the loan. On or about  XXXX   XXXX ,  XXXX  sent the loan to a collection  Agency  called  XXXX   XXXX   XXXX . On or about  XXXX   XXXX ,  XXXX ,  XXXX  reported the debt as delinquent to the Credit Reporting Agencies showing that  XXXX  closed the account in  XXXX   XXXX , and that the delinquent report will not be removed until  XXXX .     From on or before  XXXX   XXXX ,  XXXX ,  XXXX  has failed to provide any means of communication re : student loans and referred all inquiries to  XXXX . On  XXXX / XXXX / XXXX ,  XXXX  denied accepting the loan,  XXXX   XXXX  denied unlawfully reporting the loan to the credit bureaus, and  XXXX  has failed to provide any method of contact to resolve the issue.     The debt is time barred and has never been revived under any section of law. The debt was to be removed from all credit reports no later than  XXXX   XXXX  under the law.     At this time,  one  or all  XXXX  companies appear to be in collusion to avoid liability for unlawful practices under the FCRA. One or all  XXXX  companies have failed to provide any means to dispute the unlawful negative 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 explanation
Consumer complaint received 2016-05-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Since XX/XX/XXXX we have been trying to correct an error in our credit history in reported by the credit bureau. The error consists of the payment for XX/XX/XXXX reported 30 days late for a mortgage with XXXX XXXX. The error continues to this date. In response to our claim the bank send us a letter indicating that error was corrected in their system and that credit bureau was notified ( See Exhibit 1 ). After several a couple of months of monitoring our credit report we contacted the bank to inform them that correction has not been made. The bank indicated that they did what they were required to do and that the problem is with the credit bureau which has not made the correction. They suggested that we contact the credit bureau and ask for a correction. We contacted the credit bureau but never received a response. 
Attached is evidence that that payment was made and debited our account at XXXX XXXX XXXX on XXXX XXXX, XXXX. 
We appreciate your help in getting the credit bureau to correct the record. We would appreciate a notification of the correction made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Harley Davidson Financial Services Inc
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:
In XXXX of XXXX I took my motorcycle to XXXX XXXX of XXXX to have some modifications done. I told them at that time I had over 1000 dollars in gift certificates for their store and the remaining money would be paid by check. There was never a question brought up with financing any of this. A couple months later a Hard credit report shows up on my credit check I periodically do and try to resolve the issue with this company and after many months I filed a report fearing some type of fraud. Come to find out after the investigation it was XXXX XXXX of XXXX that requested this with no knowledge to me, and me not even thinking I would have a credit check done seeing that I was paying for this with no credit involved. I was never asked nor told there would be a check done and was quite surprised to see this happened. I have bought several motorcycles from XXXX XXXX and used their financial network they could have easily went through them to see I have never defaulted or been late with payment on any bike I bought there. Very underhanded move here. I never authorized and credit check for this transaction on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My mom had a XXXX XX/XX/19. I called the debt collector on XX/XX/19 because they had called my mom 's cell phone. I told the person my mom had a XXXX & was on XXXX & XXXX. The debt collector said she would note the account. I have now learned that the same day, XX/XX/19, I suspect after talking with me, they filed for wage garnishment against my mom 's XXXX for {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: TN
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 the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX  XXXX  XXXX {$3000.00} XXXX XXXX {$560.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX   XXXX {$520.00} XXXX  XXXX {$120.00} XXXX  XXXX {$82.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$310.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: BTH Management
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Plaza Service # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this was in collections and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation